Pioneer Bancorp Inc (PBFS) - Cash Flow Conversion Efficiency
Based on the latest financial reports, Pioneer Bancorp Inc (PBFS) has a cash flow conversion efficiency ratio of 0.012x as of September 2025. Cash flow conversion efficiency measures how effectively a company's net assets (equity) generate operating cash flow. It is calculated by dividing operating cash flow ($3.90 Million) by net assets ($314.20 Million). A higher ratio indicates that the company is more efficient at using its equity to generate cash flow from its core operations. See Pioneer Bancorp Inc (PBFS) balance sheet quality index to measure how much of total assets are equity-financed.
Pioneer Bancorp Inc - Cash Flow Conversion Efficiency Trend (2017–2025)
This chart illustrates how Pioneer Bancorp Inc's cash flow conversion efficiency has evolved over time, based on yearly financial data. Check PBFS cash flow quality score to evaluate the quality of earnings relative to operating cash generation.
Pioneer Bancorp Inc Competitors by Cash Flow Conversion Efficiency
The table below lists competitors of Pioneer Bancorp Inc ranked by their cash flow conversion efficiency.
| Company | Cash Flow Conversion Efficiency |
|---|---|
|
Shanghai Xin Nanyang Co Ltd
SHG:600661
|
-0.043x |
|
Nanjing TDH Technology Co. Ltd. A
SHE:301378
|
N/A |
|
NewtekOne, Inc.
NASDAQ:NEWT
|
-0.225x |
|
Elite Color Environmental Resources
SHE:002998
|
0.002x |
|
Falcon's Beyond Global, Inc. Class A Common Stock
NASDAQ:FBYD
|
-0.672x |
|
AEON Co (Malaysia) Bhd
KLSE:6599
|
0.152x |
|
Shandong Gold Phoenix Co Ltd
SHG:603586
|
0.050x |
|
Chen Ke Ming Food Manufacturing Co Ltd
SHE:002661
|
0.076x |
Annual Cash Flow Conversion Efficiency for Pioneer Bancorp Inc (2017–2025)
The table below shows the annual cash flow conversion efficiency of Pioneer Bancorp Inc from 2017 to 2025. For the full company profile with market capitalisation and key ratios, see Pioneer Bancorp Inc market capitalisation.
| Year | Net Assets | Operating Cash Flow | Cash Flow Conversion Efficiency | Change |
|---|---|---|---|---|
| 2025-06-30 | $314.25 Million | $33.71 Million | 0.107x | +33.37% |
| 2024-06-30 | $296.53 Million | $23.85 Million | 0.080x | -18.35% |
| 2023-06-30 | $266.70 Million | $26.27 Million | 0.098x | -52.17% |
| 2022-06-30 | $242.63 Million | $49.97 Million | 0.206x | +49.99% |
| 2021-06-30 | $237.82 Million | $32.65 Million | 0.137x | +1418.55% |
| 2020-06-30 | $223.97 Million | $2.02 Million | 0.009x | -81.82% |
| 2019-06-30 | $123.26 Million | $6.13 Million | 0.050x | -74.48% |
| 2018-06-30 | $118.06 Million | $23.00 Million | 0.195x | +70.81% |
| 2017-06-30 | $104.01 Million | $11.87 Million | 0.114x | -- |
About Pioneer Bancorp Inc
Pioneer Bancorp, Inc. operates as a holding company for Pioneer Bank, National Association that provides various banking products and services in New York. It accepts various deposit accounts, such as demand, savings, and money market accounts, as well as certificates of deposit. The company's loan products include commercial real estate, commercial and industrial, commercial construction, reside… Read more