COMP <GO>
PBFS vs TSBK // 10Y YIELD & FRED MACRO BETA
Pioneer Bancorp Inc. (NASDAQ) VS. Timberland Bancorp Inc. (NASDAQ) • 15-METRIC TALLY: PBFS 1
— TSBK 5
■ METRIC PARITY
LAST: $18.12 (+0.28%) • MKT CAP: $450.1M
macro-sensitivity
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LAST: $47.26 (+0.38%) • MKT CAP: $367.5M
macro-sensitivity
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PBFS VS. TSBK)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | PBFS | TSBK | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 6.30% | 10.90% | -4.60 | TSBK | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 2.47% | 7.73% | -5.26 | TSBK | /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% | 2.20% | -2.20 | TSBK | /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 | 59.4 | -3.10 | TSBK | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta ACTIVE | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 20.6x | 11.7x | +8.90 | TSBK | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $450.1M | $367.5M | $82.7M | PBFS | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | PBFS REV | TSBK REV | PBFS GROSS % | TSBK GROSS % | PBFS FCF | TSBK FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $15.8M | $0 | — | — | $11.1M | $28.4M |
| FY 2024 | $15.0M | $0 | — | — | $23.0M | $21.7M |
| FY 2023 | $13.0M | $0 | — | — | $26.3M | $31.0M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
PBFS // BETA —
TSBK // BETA —