COMP <GO>
PBFS vs MS // FREE CASH FLOW YIELD
Pioneer Bancorp Inc. (NASDAQ) VS. Morgan Stanley (NYSE) • 15-METRIC TALLY: PBFS 5
— MS 3
▲ FREE CASH FLOW YIELD LEADER: PBFS
LAST: $18.12 (+0.28%) • MKT CAP: $450.1M
fcf-yield
2.47%
LAST: $190.00 (-0.07%) • MKT CAP: $298.41B
fcf-yield
-7.25%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PBFS VS. MS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | PBFS | MS | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 6.30% | 3.00% | +3.30 | PBFS | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 31.0x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield ACTIVE | 2.47% | -7.25% | +9.72 | PBFS | /fcf-yield <GO> |
| Operating Margin | — | 24.60% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 20.20% | +47.80 | PBFS | /net-margins <GO> |
| Revenue Growth (YoY) | 5.80% | 5.50% | +0.30 | PBFS | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 2.21% | -2.21 | MS | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 5/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 56.3 | 51.0 | +5.30 | PBFS | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.04 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 20.6x | 16.5x | +4.10 | MS | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $450.1M | $298.41B | -$297.96B | MS | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | PBFS REV | MS REV | PBFS GROSS % | MS GROSS % | PBFS FCF | MS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $15.8M | $0 | — | — | $11.1M | -$17.89B |
| FY 2024 | $15.0M | $0 | — | — | $23.0M | $1.36B |
| FY 2023 | $13.0M | $0 | — | — | $26.3M | -$33.54B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
PBFS // BETA —
MS // BETA 1.04