COMP <GO>
AVBC vs PBFS // EV/EBITDA & P/E VALUATION
Avidia Bancorp Inc. (NYSE) VS. Pioneer Bancorp Inc. (NASDAQ) • 15-METRIC TALLY: AVBC 3
— PBFS 2
■ METRIC PARITY
LAST: $23.54 (+1.20%) • MKT CAP: $470.1M
valuation
—
LAST: $18.12 (+0.28%) • MKT CAP: $450.1M
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (AVBC VS. PBFS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | AVBC | PBFS | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | -0.90% | 6.30% | -7.20 | PBFS | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 5.12% | 2.47% | +2.65 | AVBC | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | 68.00% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | 5.80% | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 3/9 | 5/9 | -2.00 | PBFS | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 74.1 | 54.1 | +20.05 | AVBC | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | — | 20.6x | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $470.1M | $450.1M | $20.0M | AVBC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | AVBC REV | PBFS REV | AVBC GROSS % | PBFS GROSS % | AVBC FCF | PBFS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $15.8M | — | — | $24.1M | $11.1M |
| FY 2024 | $0 | $15.0M | — | — | $20.4M | $23.0M |
| FY 2023 | — | $13.0M | — | — | — | $26.3M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
AVBC // BETA —
PBFS // BETA —