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Pioneer Bancorp, Inc.
PBFSFinancial ServicesNASDAQUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $88.12M | 21.8% | $19.21M | $32.16M | N/A |
| 2027 | $96.93M | 21.8% | $21.13M | $35.38M | $32.16M |
| 2028 | $106.62M | 21.8% | $23.24M | $38.92M | $32.16M |
| 2029 | $117.29M | 21.8% | $25.57M | $42.81M | $32.16M |
| 2030 | $129.01M | 21.8% | $28.12M | $47.09M | $32.16M |
| 2031 | $141.91M | 21.8% | $30.94M | $51.80M | $32.16M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $0.76 | 2024-12-31 |
| EPS growth | +26.2% | Forecast years: 5 |
| Future EPS | $2.433 | EPS × (1 + G)^5 |
| Base P/E | 15.8 | P/E |
| Future price | $38.439 | Future EPS × P/E |
| Fair value today | $23.867 | PV @ 10.0% |
| 30% safety price | $16.707 | Margin of safety |
| 50% safety price | $11.934 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $54.824 | $58.836 | $64.308 |
| 10.0% | $50.772 | $53.73 | $57.598 |
| 11.0% | $47.577 | $49.83 | $52.683 |