COMP <GO>
PBFS vs V // NET PROFIT MARGIN
Pioneer Bancorp Inc. (NASDAQ) VS. Visa Inc. (NYSE) • 15-METRIC TALLY: PBFS 2
— V 7
▲ NET PROFIT MARGIN LEADER: PBFS
LAST: $18.45 (+2.33%) • MKT CAP: $447.9M
net-margins
68.00%
LAST: $425.51 (+2.88%) • MKT CAP: $738.98B
net-margins
50.10%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PBFS VS. V)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | PBFS | V | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 6.30% | 32.30% | -26.00 | V | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 28.9x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 2.47% | 2.90% | -0.43 | V | /fcf-yield <GO> |
| Operating Margin | — | 60.00% | — | TIE | /operating-margins <GO> |
| Net Profit Margin ACTIVE | 68.00% | 50.10% | +17.90 | PBFS | /net-margins <GO> |
| Revenue Growth (YoY) | 5.80% | 11.30% | -5.50 | V | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.63% | -0.63 | V | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | 9.09 | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 9/9 | -4.00 | V | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 53.5 | 67.7 | -14.20 | V | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.06 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 20.6x | 34.0x | -13.40 | PBFS | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $447.9M | $738.98B | -$738.54B | V | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | PBFS REV | V REV | PBFS GROSS % | V GROSS % | PBFS FCF | V FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $15.8M | $40.00B | — | — | $11.1M | $21.26B |
| FY 2024 | $15.0M | $35.93B | — | — | $23.0M | $18.33B |
| FY 2023 | $13.0M | $32.65B | — | — | $26.3M | $19.29B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
PBFS // BETA —
V // BETA 1.06