Demonstrações financeiras detalhadas de Pioneer Bancorp, Inc. (PBFS): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Pioneer Bancorp, Inc. registou receitas de $126.7M no último exercício, com um CAGR de 5 anos de 16.2%. O lucro líquido atingiu $20.3M, com CAGR de 5 anos de 79.9%.
Margens dos últimos 12 meses: margem bruta 73.1%, margem operacional 15.9%, margem líquida 12.5%. O fluxo de caixa livre cresceu a CAGR de -22.8% em 5 anos.
Ao preço atual de $18.11, PBFS negocia a um P/L de 25.20 e um ROE de 5.22%. A capitalização de mercado é de $454M.
Demonstração de Resultados (10 anos)
| Ano | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2024 | 2026 |
|---|
| Receita | $48.5M | $59.3M | $68.6M | $69.2M | $59.7M | $57.9M | $85.2M | $98.7M | $88.1M | $126.7M |
| Custo da Receita | $4.8M | $5.2M | $22.6M | $11.5M | $6.2M | $914000 | $5.5M | $24.5M | $16.5M | $34.1M |
| Lucro Bruto | $43.7M | $54.1M | $45.9M | $57.7M | $53.5M | $57.0M | $79.7M | $74.2M | $88.1M | $92.6M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $22.7M | $23.2M | $24.2M | $25.8M | $28.4M | $22.9M | $30.0M | $32.0M | $12.6M | $36.9M |
| Despesas Operacionais | $35.4M | $36.3M | $37.9M | $51.7M | $50.9M | $43.7M | $51.8M | $54.8M | $55.3M | $66.1M |
| Lucro Operacional | $8.3M | $17.8M | $8.0M | $6.0M | $2.7M | $13.3M | $27.9M | $19.4M | $32.9M | $26.5M |
| EBITDA | $10.3M | $20.4M | $10.9M | $8.9M | $5.5M | $16.1M | $30.6M | $22.0M | $2.5M | $28.4M |
| Despesas com Juros | $2.4M | $3.2M | $4.5M | $4.7M | $2.1M | $1.5M | $5.5M | $21.8M | $14.2M | $30.4M |
| Lucro Antes de Impostos | $8.3M | $17.8M | $8.0M | $6.0M | $2.7M | $13.3M | $27.9M | $19.4M | $24.8M | $26.5M |
| Imposto | $2.7M | $6.3M | $737000 | $797000 | $1.6M | $3.1M | $5.9M | $4.1M | $5.6M | $6.2M |
| Lucro Líquido | $5.6M | $11.5M | $7.3M | $5.2M | $1.1M | $10.3M | $21.9M | $15.3M | $19.2M | $20.3M |
| LPA | $0.50 | $1.03 | $0.65 | $0.21 | $0.04 | $0.41 | $0.87 | $0.61 | $0.76 | $0.83 |
| LPA Diluído | $0.50 | $1.03 | $0.65 | $0.21 | $0.04 | $0.41 | $0.87 | $0.61 | $0.76 | $0.83 |
| Ações em Circulação (Diluídas) | $11.2M | $11.2M | $11.2M | $25.0M | $25.1M | $25.1M | $25.2M | $25.2M | $25.1M | $24.6M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $32.1M | $33.2M | $32.2M | $37.3M |
| Lucro Bruto | $23.2M | $24.5M | $23.8M | $27.0M |
| Lucro Operacional | $5.6M | $5.3M | $5.7M | $4.8M |
| EBITDA | $6.2M | $5.4M | $6.3M | $5.9M |
| Lucro Líquido | $4.3M | $3.7M | $5.3M | $3.5M |
| LPA | $0.18 | $0.16 | $0.22 | $0.14 |
| LPA Diluído | $0.18 | $0.15 | $0.22 | $0.14 |
Balanço (10 anos)
| Ano | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2025 |
|---|
| Caixa e Equivalentes | $39.5M | $111.4M | $228.0M | $155.5M | $324.8M | $372.6M | $148.3M | $151.6M | $119.4M | $130.9M |
| Investimentos de Curto Prazo | $82.0M | $88.1M | $86.7M | $75.8M | $264.6M | $481.8M | $431.7M | $257.4M | $288.2M | $54.4M |
| Contas a Receber | $3.3M | $3.9M | $4.4M | $3.5M | $4.0M | $4.6M | $7.2M | $7.6M | $8.7M | $8.9M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $124.8M | $203.3M | $319.1M | $234.8M | $593.4M | $859.0M | $587.2M | $416.5M | $416.3M | $194.1M |
| Imobilizado | $37.4M | $42.9M | $41.7M | $40.9M | $38.9M | $38.0M | $41.6M | $40.1M | $35.7M | $35.6M |
| Ágio | $5.2M | $7.3M | $7.3M | $7.3M | $7.3M | $8.8M | $8.8M | $10.9M | $10.9M | $9.6M |
| Ativos Intangíveis | $498000 | $2.9M | $2.5M | $2.2M | $1.8M | $2.5M | $2.1M | $3.0M | $2.5M | $2.7M |
| Ativos Totais | $1.13B | $1.28B | $1.47B | $1.53B | $1.80B | $1.96B | $1.86B | $1.90B | $2.10B | $2.15B |
| Contas a Pagar | 0 | 0 | 0 | $7.8M | 0 | 0 | 0 | 0 | 0 | 0 |
| Dívida de Curto Prazo | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Passivos Circulantes | $1.01B | $1.16B | $1.34B | $1.28B | $1.54B | $1.69B | $1.55B | $1.56B | $1.75B | $1.75B |
| Dívida de Longo Prazo | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Passivos Totais | $1.03B | $1.17B | $1.35B | $1.30B | $1.56B | $1.72B | $1.59B | $1.60B | $1.78B | $1.83B |
| Reservas | $103.0M | $116.4M | $134.4M | $139.7M | $140.8M | $151.1M | $173.0M | $187.7M | $201.4M | $203.0M |
| Patrimônio Líquido | $104.0M | $118.1M | $123.3M | $224.0M | $237.8M | $242.6M | $266.7M | $296.5M | $314.2M | $323.9M |
| Dívida Total | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dívida Líquida | -$121.5M | -$199.5M | -$314.7M | -$231.3M | -$589.4M | -$854.4M | -$580.0M | -$409.0M | -$407.6M | -$185.2M |
| Capital de Giro | -$890.2M | -$952.3M | -$1.02B | -$1.05B | -$943.3M | -$826.9M | -$962.6M | -$1.14B | -$1.34B | -$1.55B |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2025-Q4 | 2026-Q1 |
|---|
| Caixa e Equivalentes | $225.1M | $130.9M | $133.7M | $144.7M |
| Ativos Totais | $2.24B | $2.15B | $2.16B | $2.22B |
| Passivos Totais | $1.93B | $1.83B | $1.84B | $1.89B |
| Patrimônio Líquido | $314.2M | $323.9M | $323.9M | $328.6M |
| Dívida Total | 0 | 0 | $54.4M | 0 |
Fluxo de Caixa (10 anos)
| Ano | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2024 | 2025 |
|---|
| Lucro Líquido | $5.6M | $11.5M | $7.3M | $5.2M | $1.1M | $10.3M | $21.9M | $15.3M | $19.2M | $20.3M |
| Depreciação e Amortização | $2.0M | $2.6M | $2.8M | $2.9M | $2.9M | $2.7M | $2.7M | $2.6M | $2.5M | $1.9M |
| Compensação em Ações | 0 | 0 | 0 | $995000 | $534000 | $581000 | $513000 | $626000 | $1.9M | $1.9M |
| Variação Capital de Giro | $1.9M | $3.0M | -$22.2M | -$14.7M | $26.1M | $34.7M | $778000 | -$841000 | $3.5M | -$13.7M |
| Fluxo de Caixa Operacional | $11.9M | $23.0M | $6.1M | $2.0M | $32.7M | $50.0M | $26.3M | $23.8M | $33.7M | $11.1M |
| CapEx | -$9.4M | -$8.0M | -$2.3M | -$1.7M | -$596000 | -$780000 | -$451000 | -$838000 | -$1.5M | -$2.3M |
| Aquisições | -$5.8M | -$4.7M | 0 | 0 | 0 | -$1.7M | 0 | -$2.0M | -$2.0M | -$480000 |
| Recompra de Ações | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -$1.1M | -$6.3M | -$11.3M |
| Dividendos Pagos | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Fluxo de Caixa Livre | $2.5M | $15.0M | $3.8M | $322000 | $32.1M | $49.2M | $25.8M | $23.0M | $32.2M | $8.8M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2025-Q4 | 2026-Q1 |
|---|
| Fluxo de Caixa Operacional | $3.9M | $730000 | $5.7M | -$161000 |
| CapEx | -$227000 | -$1.2M | -$217000 | -$636000 |
| Fluxo de Caixa Livre | $3.7M | -$507000 | $5.5M | -$797000 |
| Dividendos Pagos | 0 | 0 | 0 | 0 |
| Compensação em Ações | $446000 | $820000 | $449000 | $179000 |
Crescimento e Margens (10 anos)
| Ano | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2024 | 2026 |
|---|
| Crescimento Receita (anual) | | +22.2% | +15.6% | +0.9% | -13.8% | -3.0% | +47.1% | +15.9% | -10.7% | +43.8% |
| Crescimento Lucro Líquido (anual) | | +104.2% | -36.4% | -28.9% | -79.3% | +854.4% | +113.5% | -30.5% | +25.8% | +5.7% |
| Crescimento LPA (anual) | | +106.0% | -36.9% | -67.7% | -79.5% | +853.5% | +112.2% | -29.9% | +24.6% | +9.2% |
| Variação de Ações (anual) | | -0.0% | +0.0% | +123.9% | +0.2% | +0.3% | +0.2% | +0.2% | -0.5% | -2.1% |
| Crescimento FCF (anual) | | +499.8% | -74.3% | -91.6% | +9855.6% | +53.4% | -47.5% | -10.9% | +39.9% | -72.7% |
| Margem Bruta | 90.1% | 91.3% | 67.0% | 83.4% | 89.7% | 98.4% | 93.6% | 75.2% | 100.0% | 73.1% |
| Margem Operacional | 17.2% | 30.0% | 11.7% | 8.7% | 4.5% | 23.0% | 32.7% | 19.7% | 37.3% | 20.9% |
| Margem EBITDA | 21.2% | 34.5% | 15.8% | 12.9% | 9.2% | 27.8% | 35.9% | 22.3% | 2.8% | 22.4% |
| Margem Líquida | 11.6% | 19.4% | 10.7% | 7.5% | 1.8% | 17.7% | 25.8% | 15.5% | 21.8% | 16.0% |
| Margem FCF | 5.2% | 25.3% | 5.6% | 0.5% | 53.7% | 84.9% | 30.3% | 23.3% | 36.5% | 6.9% |
| Taxa Efetiva de Imposto | 32.5% | 35.4% | 9.2% | 13.3% | 59.5% | 22.9% | 21.2% | 21.4% | 22.6% | 23.4% |
Dados por Ação (10 anos)
| Ano | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2024 | 2026 |
|---|
| FCF por Ação | $0.22 | $1.34 | $0.34 | $0.01 | $1.28 | $1.96 | $1.03 | $0.91 | $1.28 | $0.36 |
| Dividendo por Ação | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Ações em Circulação (Básicas) | $11.2M | $11.2M | $11.2M | $25.0M | $25.1M | $25.1M | $25.2M | $25.2M | $25.1M | $24.5M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 5.22% |
| Retorno sobre capital investido | 4.66% |
| Retorno sobre ativos | 0.76% |
| Margem bruta | 73.05% |
| Margem operacional | 15.89% |
| Margem líquida | 12.49% |
Saúde financeira
| Dívida / Patrimônio | 0.00 |
| Liquidez corrente | 0.11 |
Índices Chave (10 anos)
| Ano | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2025 |
|---|
| P/L | 29.50 | 14.32 | 22.69 | 43.57 | 279.53 | 23.90 | 10.29 | 17.03 | 15.83 | 16.24 |
| P/VP | 1.58 | 1.40 | 1.34 | 1.02 | 1.27 | 1.02 | 0.84 | 0.88 | 0.96 | 1.02 |
| P/V | 3.40 | 2.78 | 2.40 | 3.31 | 5.05 | 4.25 | 2.64 | 2.65 | 3.43 | 2.60 |
| Margem Bruta | 90.1% | 91.3% | 67.0% | 83.4% | 89.7% | 98.4% | 93.6% | 75.2% | 100.0% | 73.1% |
| Margem Operacional | 17.2% | 30.0% | 11.7% | 8.7% | 4.5% | 23.0% | 32.7% | 19.7% | 37.3% | 20.9% |
| Margem Líquida | 11.6% | 19.4% | 10.7% | 7.5% | 1.8% | 17.7% | 25.8% | 15.5% | 21.8% | 16.0% |