COMP <GO>
PBFS vs FSBW // PIOTROSKI F-SCORE QUALITY
Pioneer Bancorp Inc. (NASDAQ) VS. FS Bancorp Inc. (NASDAQ) • 15-METRIC TALLY: PBFS 3
— FSBW 4
▲ PIOTROSKI F-SCORE QUALITY LEADER: PBFS
LAST: $18.12 (+0.28%) • MKT CAP: $450.1M
piotroski-score
5/9
LAST: $44.34 (+1.33%) • MKT CAP: $348.6M
piotroski-score
4/9
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PBFS VS. FSBW)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | PBFS | FSBW | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 6.30% | 10.80% | -4.50 | FSBW | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 2.47% | 14.90% | -12.43 | FSBW | /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% | 2.94% | -2.94 | FSBW | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality ACTIVE | 5/9 | 4/9 | +1.00 | PBFS | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 56.3 | 52.9 | +3.40 | PBFS | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 20.6x | 9.8x | +10.80 | FSBW | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $450.1M | $348.6M | $101.5M | PBFS | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | PBFS REV | FSBW REV | PBFS GROSS % | FSBW GROSS % | PBFS FCF | FSBW FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $15.8M | $0 | — | — | $11.1M | $51.9M |
| FY 2024 | $15.0M | $0 | — | — | $23.0M | $49.2M |
| FY 2023 | $13.0M | $4.6M | — | — | $26.3M | $77.7M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
PBFS // BETA —
FSBW // BETA —