MARKET WIRETradingView • 1d ago
Total current assets of Pioneer Bancorp, Inc. – NASDAQ:PBFSTradingView report covering Pioneer Bancorp Inc. (PBFS) market action, institutional positioning, and fundamental catalysts.
Why PBFS Stock surged +2.33% Today — RQD Quant Desk Flash
$18.45 +2.33% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)
EXT / AFTER-HRS: $18.49
Pioneer Bancorp Inc. (PBFS) carries a Roarable Rating of D+ (Sell) with 55/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.
ROARABLE D+ • SELL / AVOID
Cap $447.9M
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Click Any Pre-Computed AI Quant Specialist Briefing on PBFS Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief)
Is PBFS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Pioneer Bancorp Inc. (NASDAQ: PBFS) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 55/100 at a spot price of $18.45 (+2.33% 1D, market cap $447.9M). Pillar breakdown: Fundamental Cash Engine 7/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, PBFS ranks #530 in composite RQD confidence.
✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does PBFS compare to AVBC and HBCP in the Financials sector?
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Within the Financials sector (Banks), PBFS carries a Roarable D+ (55/100 RQD), trailing P/E of 22.2x, gross margin of —, and ROIC of 6.3%. By comparison, AVBC (Avidia Bancorp Inc.) holds a D+ grade (57/100 RQD, P/E N/A, ROIC -0.9%, cap $469.3M) and HBCP (Home Bancorp Inc.) posts a D+ grade (53/100 RQD, P/E 10.5x, ROIC 10.6%, cap $477.0M). Among the 5-stock peer group, NECB leads on earnings multiple (9.0x) while NECB leads on capital efficiency (12.6% ROIC).
✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for PBFS?
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Per PBFS's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001769663), Pioneer Bancorp Inc. generated $15.8M in revenue (+5.8% YoY), $20.3M in net income, and $11.1M in free cash flow against $2.15B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.
✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
EXT / AFTER-HRS: $18.49 (+0.23%)🧬 Cannibal Buyback (-1.24% YoY Shares)⚙️ Cash Engine: 7/20 (D-) • 70.3% FCF Margin
Verify 90D Bucket Audit →📊 Historical Track Record: Scores of 55/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.5% avg 90D alpha vs SPY • 51.4% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →RQD QUANT TACHOMETERSELL / AVOID • D+
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
5-PILLAR RQD RADARRw D · Rk C
Each axis scored 0–20
12M PRICE TARGET CONE-1.4% Base Target
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PBFS)Realized 20D OHLCV Swing Band: ±3.8%
Deterministic 5-Pillar Attribution (55/100 Composite)
🔍 WHY PBFS SCORES 55/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (24% of score)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9
▲ #2 Bullish Driver: Macro Regime Fit+13/20 pts (24% of score)
FRED Regime × Technicals: 79% of 52W Range • RSI-14 at 53.5 (NEUTRAL RANGE)
▼ #1 Drag / Risk Factor: Cash Engine Quality7/20 pts (-13 pt drag)
Capital intensity & 0% operating margin leave 13 pts on the table
📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)Grade D$17.60+1.5% Next Q
47
Q2 (-2Q)Grade C-$17.87+1.7% Next Q
50
Q3 (-1Q)Grade C-$18.18+1.5% Next Q
52
CurrentGrade D+$18.45-0.5% Hist 90D α
55
Trajectory: D (47) → D+ (55)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER
⚔️ Adversarial Opposing Case: Why the PBFS Bull Thesis Could Fail
Even with a 55/100 (D+) score, PBFS faces multiple-compression risk if 22.2x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
⚠️ Forensic Kill-Switch #1
Broader market pullbacks can still drag down strong stocks in the short run.
⚠️ Forensic Kill-Switch #2
Dilution & Margin Drag: Cannibal Buyback (-1.24% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
⚠️ Forensic Kill-Switch #3
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($17.87) or 200D SMA ($15.99) invalidates the momentum regime and cuts Target Base ($18.20) toward Bear Floor ($14.20).
🎲 LIVE PREDICTION MARKET ODDS TIED TO $PBFS• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “PBFS Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why PBFS Stock surged +2.33% Today — RQD Quant Desk Flash
Pioneer Bancorp Inc. (PBFS) surged +2.33% to $18.45, trading at 79% of its 52-week range ($13 – $19.91). Stretched risk/reward at 22x P/E (6% return on capital) under elevated 10-year interest-rate pressure.
- ▸Technical Tape: Trading at 79% of its 52-week range ($13 – $19.91) with RSI-14 at 53.5 (NEUTRAL RANGE).
- ▸Volatility Profile: Historical 20-day realized swing band of ±3.8% around $18.45 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable D+ (Sell) backed by 52% gross margin and $11.1M annual free cash flow.
Live PBFS Headlines & Catalysts
MARKET WIREwww.marketscreener.com • 1d ago
Pioneer Bancorp, Inc. Reports Earnings Results for the Third Quarter and Nine Months Ended September 30, 2026www.marketscreener.com report covering Pioneer Bancorp Inc. (PBFS) market action, institutional positioning, and fundamental catalysts.
MARKET WIRETradingView • 1d ago
Pioneer Bancorp, Inc. Estimates – NASDAQ:PBFSTradingView report covering Pioneer Bancorp Inc. (PBFS) market action, institutional positioning, and fundamental catalysts.
CATALYSTMarketBeat • 1d ago
Pioneer Bancorp (NASDAQ:PBFS) Upgraded at Wall Street ZenMarketBeat report covering Pioneer Bancorp Inc. (PBFS) market action, institutional positioning, and fundamental catalysts.
MARKET WIREQuiver Quantitative • 1d ago
Pioneer Bancorp Reports $85,000 Third-Quarter 2026 Net IncomeQuiver Quantitative report covering Pioneer Bancorp Inc. (PBFS) market action, institutional positioning, and fundamental catalysts.
MARKET WIRETradingKey • 1d ago
Complete U.S. Stocks List: Prices, Performance and Key DataTradingKey report covering Pioneer Bancorp Inc. (PBFS) market action, institutional positioning, and fundamental catalysts.
MARKET WIRETradingView • 1d ago
Pioneer Bancorp Reports $85,000 Third-Quarter Net IncomeTradingView report covering Pioneer Bancorp Inc. (PBFS) market action, institutional positioning, and fundamental catalysts.
MARKET WIRETradingKey • 2d ago
Largest Companies by Market Cap: U.S. StocksTradingKey report covering Pioneer Bancorp Inc. (PBFS) market action, institutional positioning, and fundamental catalysts.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk
Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring PBFS)
- ✓Walkthrough of PBFS's RQD Radar, SEC cash-conversion gap & downside invalidation levels
- ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
- ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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PBFS // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +29.75%📐 HORIZONTAL RANGE
2026-11-03O $18.12H $18.45L $18.03C $18.45VOL 10.1K
RES: $20.24SUP: $16.81SMA50: $17.87SMA200: $15.99
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK
PBFS Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Share Count & Dilution Monitor
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
Reverse-DCF Expectations Hurdle
15.9%/yr Implied 5Y Growth
vs. +5.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
Ellis Vennor Setup Ledger
No active Ellis Vennor swing setup published on PBFS today. View full Setup Ledger →
🦋 Documented & Second-Order Butterfly Connections
Open Graph →
No direct multi-tier Butterfly edges indexed yet for PBFS. Explore sector supply chains on /butterfly.
AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for PBFS today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (PBFS)
Financials Rank #530 of 1097
⚔️ AVBC vs PBFS Full Matrix →
1. Head-to-Head Financials Peer Comparison (PBFS vs. AVBC, HBCP, NECB, TSBK)
Industry: Banks (24 Tracked Issuers)Across 1097 tracked Financials securities in the Roarable RQD universe, Pioneer Bancorp Inc. (PBFS) ranks #530 by composite RQD confidence (55/100, grade D+) and #728 by equity capitalization ($447.9M). Within this direct 5-issuer industry benchmark cohort, NECB leads on earnings valuation at 9.0x trailing P/E, while NECB leads on capital efficiency and profitability with 12.6% ROIC and — gross margin. NECB currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with PBFS at 55/100 (D+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| PBFS
ACTIVE
Pioneer Bancorp Inc. | D+ | 55/100 | 22.2x | — | 6.3% | +2.33% | $447.9M | Benchmark Subject |
| AVBC Avidia Bancorp Inc. | D+ | 57/100 | — | — | -0.9% | +0.47% | $469.3M | /avbc-vs-pbfs → |
| HBCP Home Bancorp Inc. | D+ | 53/100 | 10.5x | — | 10.6% | +2.22% | $477.0M | /hbcp-vs-pbfs → |
| NECB NorthEast Community Bancorp Inc. | B- | 71/100 | 9.0x | — | 12.6% | +1.63% | $398.0M | /necb-vs-pbfs → |
| TSBK Timberland Bancorp Inc. | C+ | 69/100 | 12.6x | — | 10.9% | +2.03% | $364.1M | /tsbk-vs-pbfs → |
2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)
SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001769663 ↗In its most recent audited fiscal period (FY2025, filed 2025-12-31), Pioneer Bancorp Inc. (PBFS) reported GAAP revenue of $15.8M (+5.8% vs. FY2024 revenue of $15.0M , and +21.9% cumulative change since FY2023) , GAAP net income of $20.3M, operating cash flow of $11.1M, and free cash flow of $11.1M (-51.7% YoY). On the balance sheet, PBFS closed FY2025 with $2.15B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $15.8M | $20.3M | $11.1M | $11.1M | $2.15B | — |
| FY2024 (FY) | 2024-06-30 | $15.0M | $15.3M | $23.8M | $23.0M | $1.98B | — |
| FY2023 (FY) | 2023-06-30 | $13.0M | $21.9M | $26.3M | $26.3M | — | — |
3. PBFS Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)
✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLEDIs PBFS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-03, Pioneer Bancorp Inc. (NASDAQ: PBFS) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 55/100 at a spot price of $18.45 (+2.33% 1D, market cap $447.9M). Pillar breakdown: Fundamental Cash Engine 7/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, PBFS ranks #530 in composite RQD confidence.
How does PBFS compare to AVBC and HBCP in the Financials sector?
Within the Financials sector (Banks), PBFS carries a Roarable D+ (55/100 RQD), trailing P/E of 22.2x, gross margin of —, and ROIC of 6.3%. By comparison, AVBC (Avidia Bancorp Inc.) holds a D+ grade (57/100 RQD, P/E N/A, ROIC -0.9%, cap $469.3M) and HBCP (Home Bancorp Inc.) posts a D+ grade (53/100 RQD, P/E 10.5x, ROIC 10.6%, cap $477.0M). Among the 5-stock peer group, NECB leads on earnings multiple (9.0x) while NECB leads on capital efficiency (12.6% ROIC).
What are the biggest fundamental strengths and SEC risk factors for PBFS?
Per PBFS's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001769663), Pioneer Bancorp Inc. generated $15.8M in revenue (+5.8% YoY), $20.3M in net income, and $11.1M in free cash flow against $2.15B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.
Where is PBFS trading relative to its 50-day, 200-day, and 52-week technical levels?
PBFS last traded at $18.45 (+2.33% on volume of 16,515 shares), positioning the stock +3.25% above its 50-day simple moving average ($17.87) and +15.38% above its 200-day simple moving average ($15.99). Across its 52-week range of $13.00 to $19.91, PBFS sits at the 78.9% percentile with a 14-day RSI of 53.5 (NEUTRAL RANGE) and an implied next-earnings move of ±3.8% ($17.75 to $19.15).
ROARABLE RATING BRIEF • RQD 55/100 (D+)
✓ SEC XBRL & RQD VERIFIED
PBFS — Pioneer Bancorp Inc.: What the Facts Mean to a Prospective Investor
Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31
1. Roarable Rating Brief: What This Means to a Prospective Investor
Pioneer Bancorp Inc. (PBFS) earns a live Roarable RQD composite score of 55/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $18.45 (+2.33% 1D, market capitalization $447.9M).
- Fundamental Cash Engine (7/20): Anchored by return on invested capital (ROIC) of 6.3%, gross margin of —, operating margin of —, and free cash flow yield of 2.47%.
- Whale 13F & Options Flow (10/20) + Insider Conviction (12/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
- Macro Regime Fit (13/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.
2. Business Model, Unit Margins & SEC Financial Trajectory
Pioneer Bancorp Inc. Is a NASDAQ-listed issuer in the Financials sector, Banks industry. The profile does not describe its products, customer base, or revenue model..5B.
In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Pioneer Bancorp Inc. (PBFS) reported $15.8M in annual revenue (up from $15.0M in FY2024, +5.8% YoY) and $20.3M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($13.0M revenue, $21.9M net income) through FY2025, PBFS scaled operating cash flow to $11.1M and free cash flow to $11.1M, backed by $2.15B in total assets against $0 in total debt.
3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff
- 🐂 Primary Bull Case (D+ • RQD 55/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of 2.47% and institutional whale pillar of 10/20. With Fundamental Cash Engine at 7/20 and Institutional Whale Flow at 10/20, sustained execution supports upside toward the upper end of the $13.00 – $19.91 52-week range.
- 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 22.2x trailing P/E against — operating margins and a 1.00x macro beta.
4. 2nd-Order Butterfly Ripples & Key Questions to Watch
Operating in Banks (Financials), PBFS carries a macro regime beta of 1.00 and gross margin of —.
- Key Question #1: Can PBFS sustain or expand its — operating margin and 6.3% ROIC against Banks peers over the next 4 quarters?
- Key Question #2: Following FY2025 revenue of $15.8M and free cash flow of $11.1M, how will capital allocation balance growth reinvestment against $0 in total debt?
- Key Question #3: How sensitive is PBFS's 20.6x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?
PBFS Live News Feed, Press Releases & Catalyst Wire
Real-time company headlines, analyst actions, and sector developments for Pioneer Bancorp Inc. (PBFS) • Click "Debate This Headline" to argue it in the Roar Pit below
🟡 MARKET WIRE TradingView • 1d ago
Total current assets of Pioneer Bancorp, Inc. – NASDAQ:PBFS TradingView report covering Pioneer Bancorp Inc. (PBFS) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE www.marketscreener.com • 1d ago
Pioneer Bancorp, Inc. Reports Earnings Results for the Third Quarter and Nine Months Ended September 30, 2026 www.marketscreener.com report covering Pioneer Bancorp Inc. (PBFS) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE TradingView • 1d ago
Pioneer Bancorp, Inc. Estimates – NASDAQ:PBFS TradingView report covering Pioneer Bancorp Inc. (PBFS) market action, institutional positioning, and fundamental catalysts.
🟢 CATALYST MarketBeat • 1d ago
Pioneer Bancorp (NASDAQ:PBFS) Upgraded at Wall Street Zen MarketBeat report covering Pioneer Bancorp Inc. (PBFS) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Quiver Quantitative • 1d ago
Pioneer Bancorp Reports $85,000 Third-Quarter 2026 Net Income Quiver Quantitative report covering Pioneer Bancorp Inc. (PBFS) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE TradingKey • 1d ago
Complete U.S. Stocks List: Prices, Performance and Key Data TradingKey report covering Pioneer Bancorp Inc. (PBFS) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE TradingView • 1d ago
Pioneer Bancorp Reports $85,000 Third-Quarter Net Income TradingView report covering Pioneer Bancorp Inc. (PBFS) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE TradingKey • 2d ago
Largest Companies by Market Cap: U.S. Stocks TradingKey report covering Pioneer Bancorp Inc. (PBFS) market action, institutional positioning, and fundamental catalysts.
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE
3 Active Posts & Replies
PBFS Bull vs. Bear Conversation Board — What's Your Call at $18.45?
🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON PBFS 🐻 33% BEARISH CONVICTION
TA TapeReader_Pro RQD DEBATE OPENER • Price Action & Volume Trader 🐂 BULLISH
🎯 Target: $23.44 (+30.0%)
📌 Pinned Debate Net margin of 68% and a Piotroski F-Score of 5/9 with Altman Z of 2.5 show a profitable, moderately sound balance sheet.
Here is why I am bullish on PBFS here at $18.03: Net margin of 68% and a Piotroski F-Score of 5/9 with Altman Z of 2.5 show a profitable, moderately sound balance sheet.. Compare PBFS's 0.0% operating margin and 6.3% ROIC against the rest of Banks. As long as cash conversion holds up, dips toward $17.13 are getting bought.
ArenaChamp_24 🐂 BULL
@SkepticalCFA Fair point on 22.2x trailing P/E, but you're ignoring the forward operating leverage in Banks. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.
SK SkepticalCFA RQD DEBATE OPENER • Fundamental Contrarian 🐻 BEARISH
🎯 Target: $15.33 (-15.0%)
Spot @ $18.03 Free cash flow fell from $26.3M in FY 2023 to $11.1M in FY 2025, and the FCF yield of 2.47% is weak for the price.
Sitting on the sidelines or leaning short PBFS above $18.03. Free cash flow fell from $26.3M in FY 2023 to $11.1M in FY 2025, and the FCF yield of 2.47% is weak for the price.. Until Fundamental Cash Engine (7/20) and FCF yield (2.47%) inflect higher, upside is capped near $19.91.