PBFS vs TSBK: stock comparison and AI forecast
Pioneer Bancorp, Inc./Md (PBFS) and Timberland Bancorp Inc (TSBK) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
PBFS Pioneer Bancorp, Inc./Md
- Market Cap
- $458M
- P/E Ratio
- 131.8x
- Size
- small-cap
- AI Forecast
TSBK Timberland Bancorp Inc
- Price
- $46.82 +17.4% · 6M
- Market Cap
- $364M
- P/E Ratio
- 9.7x
- Size
- small-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Key facts
- PBFS is 1.3 times larger than TSBK by market capitalization ($458M against $364M).
- TSBK trades at 9.7 times trailing earnings, PBFS at 131.8 times.
- TSBK turns 36.7% of its revenue into net income, against 12.9% for PBFS.
- TSBK carries 6.54 times debt per unit of equity, against 6.20 times for PBFS.
- TSBK yields 2.42% in dividends; PBFS pays none.
- Both companies share the SEC industry classification Savings Institutions, Not Federally Chartered.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | PBFS | TSBK |
|---|---|---|
| Market Cap | $458M | $364M |
| P/E Ratio | 131.79x | 9.67x |
| P/B Ratio | 1.40x | 1.33x |
| Dividend Yield | – | 2.42% |
| EPS | $0.14 | $4.84 |
| Book Value/Share | $13.22 | $35.14 |
| Revenue/Share | $1.09 | $11.04 |
| FCF/Share | – | $3.74 |
Profitability & Margins
| Metric | PBFS | TSBK |
|---|---|---|
| ROE | 1.1% | 11.5% |
| ROA | 0.1% | 1.5% |
| Net Margin | 12.9% | 36.7% |
| EBT Margin | 17.7% | 45.6% |
| Tax Rate | 27.2% | 19.5% |
Financial Health
| Metric | PBFS | TSBK |
|---|---|---|
| D/E Ratio | 6.20x | 6.54x |
| Financial Leverage | 7.20x | 7.54x |
Cash Flow
| Metric | PBFS | TSBK |
|---|---|---|
| Operating Cash Flow | $14M | $31M |
| Free Cash Flow | – | $29M |
| Capital Spending | – | -$2M |
| OCF Growth YoY | 842.8% | 17.1% |
| FCF Growth YoY | – | 15.1% |
| FCF/Sales | – | 33.9% |
| CapEx/Sales | – | 2.5% |
Operational Efficiency
| Metric | PBFS | TSBK |
|---|---|---|
| Asset Turnover | 0.01x | 0.04x |
| Fixed Assets Turnover | 0.8x | 3.9x |
Income Statement
| Metric | PBFS | TSBK |
|---|---|---|
| Total Revenue | $27M | $86M |
| Net Income | $3M | $32M |
Dividend & Shareholder Information
| Metric | PBFS | TSBK |
|---|---|---|
| Dividends Per Share | – | $1.13 |
| Payout Ratio | – | 23.4% |
| Shares Outstanding | 25M | 8M |
| Net Income Growth | -46.0% | 16.4% |
| EPS Growth | -46.1% | 45.8% |
PBFS vs TSBK: stock comparison and AI forecast
Which is bigger, PBFS or TSBK?
PBFS is 1.3 times larger than TSBK by market capitalization ($458M against $364M).
Which is cheaper on earnings, PBFS or TSBK?
TSBK trades at 9.7 times trailing earnings, PBFS at 131.8 times.
Which one does Intratio's AI model rank higher, PBFS or TSBK?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.