Pioneer Bancorp, Inc. (PBFS) 10-Year Financial Performance & Capital Metrics

PBFS • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingNortheast Community Banks

AboutPioneer Bancorp, Inc. operates as a holding company for Pioneer Savings Bank that provides various banking products and services in New York. The company accepts various deposit products, such as demand, savings, and money market accounts, as well as certificates of deposit accounts. Its loan products include commercial real estate, commercial and industrial, commercial construction, one- to four-family residential real estate, home equity, and consumer loans; and home equity lines of credit. The company also invests in the U.S. governmental securities, fixed rate collateralized mortgage obligations, mortgage-backed securities, fixed-rate investment grade bonds, and equity securities. In addition, the company offers personal and commercial insurance products, including homeowners, automobile, and comprehensive business insurance; employee benefit products and services, such as group health, dental, disability, and life insurance products, as well as defined contribution, defined benefit administration, and human resource management services; and wealth management services comprising investment advice, retirement income planning, estate planning, business succession, and employer retirement planning. It operates through a network of 22 retail banking offices in Albany, Greene, Rensselaer, Saratoga, Schenectady, and Warren Counties in New York. The company was founded in 1889 and is based in Albany, New York. Pioneer Bancorp, Inc. operates as a subsidiary of Pioneer Bancorp, MHC.Show more

Net Interest Income $0 -100.0%
Total Revenue $88M -10.7%
Net Income $19M +25.8%
Return on Equity 6.29% +16.0%
Net Interest Margin 0% -100.0%
Efficiency Ratio 62.71% +13.0%
ROA 0.96% +18.3%
Equity / Assets 14.99% -4.2%
Book Value per Share 12.52 +6.5%
Tangible BV/Share 11.99 +7.0%
Debt/Equity -

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong 5Y profit CAGR of 29.9%
✓Well capitalized: 15.0% equity/assets
✓Diversified revenue: 100.0% from non-interest income
✓Trading at only 1.1x book value

✗Weaknesses

No significant weaknesses identified

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y-

5Y4.95%

3Y15.02%

TTM-

Profit (Net Income) CAGR

10Y-

5Y29.87%

3Y23.15%

TTM49.75%

EPS CAGR

10Y-

5Y29.34%

3Y22.84%

TTM48.39%

ROCE

10Y Avg6.9%

5Y Avg6.25%

3Y Avg8.42%

Latest9.67%

Peer Comparison

Northeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
DCOMDime Community Bancshares, Inc.	1.37B	31.13	56.60	0.1%	4.5%	4.02%	6.79%	0.70
EBCEastern Bankshares, Inc.	4.4B	19.56	29.64	91.64%	11.17%	1.3%	6.14%	0.01
LYGLloyds Banking Group plc	80.5B	5.48	21.92	10.79%	11.75%	9.93%		1.76
CFGCitizens Financial Group, Inc.	26.03B	60.61	20.00	1.31%	12.22%	6.6%	7.22%	0.51
PFSProvident Financial Services, Inc.	2.65B	20.29	19.32	63.91%	10.13%	7.51%	16.04%	0.93
CBUCommunity Bank System, Inc.	3.3B	62.73	18.24	24.44%	19.4%	10.34%	6.71%	0.57
VLYValley National Bancorp	6.7B	12.02	17.42	6.51%	10.65%	6.53%	8.18%	0.50
INDBIndependent Bank Corp.	3.8B	76.62	16.95	6.89%	19.72%	7.76%	5.51%	0.23

Profit & Loss

	Jun 2017	Jun 2018	Jun 2019	Jun 2020	Jun 2021	Jun 2022	Jun 2023	Jun 2024	Dec 2024
Net Interest Income+	35.21M	43.3M	49.68M	48.79M	41.82M	42.38M	65.54M	66.51M	0
NII Growth %	-	0.23%	0.15%	-0.02%	-0.14%	0.01%	0.55%	0.01%	-1%
Net Interest Margin %	-	-	-	-	-	-	-	-	-
Interest Income	37.62M	46.49M	54.16M	53.52M	43.93M	43.84M	71.03M	88.32M	0
Interest Expense	2.41M	3.19M	4.48M	4.73M	2.11M	1.46M	5.49M	21.8M	0
Loan Loss Provision	2.4M	1.97M	18.15M	6.79M	4.05M	-550K	0	2.7M	0
Non-Interest Income+	10.9M	12.8M	14.41M	15.68M	15.75M	14.07M	14.15M	10.38M	88.12M
Non-Interest Income %	-	-	-	-	-	-	-	-	-
Total Revenue+	48.52M	59.29M	68.57M	69.2M	59.68M	57.92M	85.18M	98.7M	88.12M
Revenue Growth %	-	0.22%	0.16%	0.01%	-0.14%	-0.03%	0.47%	0.16%	-0.11%
Non-Interest Expense	35.37M	36.33M	37.89M	51.69M	50.86M	43.66M	51.83M	54.78M	55.26M
Efficiency Ratio	-	-	-	-	-	-	-	-	-
Operating Income+	8.35M	17.81M	8.05M	6M	2.66M	13.34M	27.86M	19.41M	32.86M
Operating Margin %	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-	1.13%	-0.55%	-0.25%	-0.56%	4.01%	1.09%	-0.3%	0.69%
Pretax Income+	8.35M	17.81M	8.05M	6M	2.66M	13.34M	27.86M	19.41M	24.82M
Pretax Margin %	-	-	-	-	-	-	-	-	-
Income Tax+	2.71M	6.31M	737K	797K	1.58M	3.06M	5.91M	4.15M	5.62M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-
Net Income+	5.63M	11.5M	7.31M	5.2M	1.08M	10.28M	21.95M	15.26M	19.2M
Net Margin %	-	-	-	-	-	-	-	-	-
Net Income Growth %	-	1.04%	-0.36%	-0.29%	-0.79%	8.54%	1.14%	-0.3%	0.26%
Net Income (Continuing)	5.63M	11.5M	7.31M	5.2M	1.08M	10.28M	21.95M	15.26M	19.2M
EPS (Diluted)+	0.50	1.03	0.65	0.21	0.04	0.41	0.87	0.61	0.76
EPS Growth %	-	1.06%	-0.37%	-0.68%	-0.8%	8.53%	1.12%	-0.3%	0.25%
EPS (Basic)	0.50	1.03	0.65	0.21	0.04	0.41	0.87	0.61	0.77
Diluted Shares Outstanding	11.17M	11.17M	11.17M	25.01M	25.07M	25.13M	25.17M	25.22M	25.1M

Balance Sheet

	Jun 2017	Jun 2018	Jun 2019	Jun 2020	Jun 2021	Jun 2022	Jun 2023	Jun 2024	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	39.53M	111.41M	228.03M	155.52M	324.78M	372.59M	148.31M	151.55M	119.39M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	1.02B	1.08B	1.14B	1.24B	1.36B	1.49B	1.6B	1.63B	1.87B
Investments Growth %	-	0.06%	0.05%	0.09%	0.1%	0.1%	0.08%	0.02%	0.15%
Long-Term Investments	934.98M	991.2M	1.05B	1.16B	1.1B	1.01B	1.17B	1.37B	1.59B
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-
Goodwill	5.24M	7.29M	7.29M	7.29M	7.29M	8.8M	8.8M	10.88M	10.88M
Intangible Assets	498K	2.87M	2.52M	2.16M	1.84M	2.49M	2.1M	2.95M	2.46M
PP&E (Net)	37.38M	42.9M	41.71M	40.86M	38.92M	38.02M	41.62M	40.1M	35.73M
Other Assets	31.28M	36.53M	47M	77.59M	59.21M	47.35M	45.98M	55.79M	45.78M
Total Current Assets	124.76M	203.33M	319.1M	234.76M	593.43M	859.01M	587.17M	416.52M	416.31M
Total Non-Current Assets	1.01B	1.08B	1.15B	1.29B	1.2B	1.11B	1.27B	1.48B	1.68B
Total Assets+	1.13B	1.28B	1.47B	1.53B	1.8B	1.96B	1.86B	1.9B	2.1B
Asset Growth %	-	0.13%	0.14%	0.04%	0.18%	0.09%	-0.06%	0.02%	0.11%
Return on Assets (ROA)	0%	0.01%	0.01%	0%	0%	0.01%	0.01%	0.01%	0.01%
Accounts Payable	0	0	0	7.76M	0	0	0	0	0
Total Debt+	0	0	0	0	0	0	0	0	0
Net Debt	-39.53M	-111.41M	-228.03M	-155.52M	-324.78M	-372.59M	-148.31M	-151.55M	-119.39M
Long-Term Debt	0	0	0	0	0	0	0	0	0
Short-Term Debt	0	0	0	0	0	0	0	0	0
Other Liabilities	15.2M	10.42M	7.67M	18.49M	21.72M	35.73M	39.75M	38.92M	29.55M
Total Current Liabilities	1.01B	1.16B	1.34B	1.28B	1.54B	1.69B	1.55B	1.56B	1.75B
Total Non-Current Liabilities	15.2M	10.42M	7.67M	18.49M	21.72M	35.73M	39.75M	38.92M	29.55M
Total Liabilities	1.03B	1.17B	1.35B	1.3B	1.56B	1.72B	1.59B	1.6B	1.78B
Total Equity+	104.01M	118.06M	123.26M	223.97M	237.82M	242.63M	266.7M	296.53M	314.25M
Equity Growth %	-	0.14%	0.04%	0.82%	0.06%	0.02%	0.1%	0.11%	0.06%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.05%	0.1%	0.06%	0.03%	0%	0.04%	0.09%	0.05%	0.06%
Book Value per Share	9.31	10.57	11.03	8.95	9.49	9.65	10.60	11.76	12.52
Tangible BV per Share	-	-	-	-	-	-	-	-	-
Common Stock	0	0	0	260K	260K	260K	260K	263K	255K
Additional Paid-in Capital	10.66M	10.66M	0	113.96M	113.81M	113.71M	113.54M	113.48M	114.77M
Retained Earnings	103.02M	116.39M	134.36M	139.73M	140.81M	151.09M	173.04M	187.73M	201.38M
Accumulated OCI	-9.67M	-8.99M	-11.1M	-17.37M	-5.13M	-11.18M	-9.57M	4.94M	7.05M
Treasury Stock	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0

Cash Flow

	Jun 2017	Jun 2018	Jun 2019	Jun 2020	Jun 2021	Jun 2022	Jun 2023	Jun 2024	Dec 2024
Cash from Operations+	11.87M	23M	6.13M	2.02M	32.65M	49.97M	26.27M	23.85M	33.71M
Operating CF Growth %	-	0.94%	-0.73%	-0.67%	15.12%	0.53%	-0.47%	-0.09%	0.41%
Net Income	5.63M	11.5M	7.31M	5.2M	1.08M	10.28M	21.95M	15.26M	19.2M
Depreciation & Amortization	1.96M	2.64M	2.81M	2.91M	2.86M	2.74M	2.7M	2.6M	2.51M
Deferred Taxes	-116K	2.08M	-63K	-3.49M	-1.2M	708K	855K	-188K	0
Other Non-Cash Items	2.49M	3.83M	18.3M	11.12M	3.3M	1M	-523K	6.39M	6.52M
Working Capital Changes	1.9M	2.96M	-22.23M	-14.71M	26.09M	34.65M	778K	-841K	3.54M
Cash from Investing+	-140.03M	-78.7M	-78.02M	-109.47M	-125.11M	-148.03M	-114.87M	-18.05M	-311.8M
Purchase of Investments	-40.87M	-80.5M	-72.21M	-81.32M	-254.81M	-360.61M	-144.25M	-36.74M	0
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	0
Net Investment Activity	-	-	-	-	-	-	-	-	-
Acquisitions	-5.8M	-4.7M	0	0	0	-1.66M	0	-1.98M	-1.98M
Other Investing	-145.71M	-57.7M	-70.31M	-116.12M	61.96M	100.44M	-160.66M	-202.3M	-308.31M
Cash from Financing+	133.91M	135.71M	181.72M	34.24M	260.51M	149.16M	-136.98M	8.91M	140.76M
Dividends Paid	0	0	0	0	0	0	0	0	0
Share Repurchases	0	0	0	0	0	0	0	-1.07M	-6.29M
Stock Issued	0	0	0	109.06M	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	-1000K	0	0	0	0	-114K	-102K	-102K
Other Financing	145.91M	140.71M	181.72M	-74.81M	260.51M	149.16M	-136.86M	10.09M	147.15M
Net Change in Cash+	5.74M	80.02M	109.83M	-73.21M	168.06M	51.1M	-225.58M	14.71M	14.71M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0
Cash at Beginning	34.52M	40.26M	120.28M	230.11M	156.9M	324.96M	376.06M	150.48M	150.48M
Cash at End	40.26M	120.28M	230.11M	156.9M	324.96M	376.06M	150.48M	165.19M	165.19M
Interest Paid	2.4M	3.19M	4.47M	4.71M	2.12M	1.46M	5.43M	21.75M	26.71M
Income Taxes Paid	1M	3.25M	5.35M	1.8M	2M	1.5M	4.8M	5M	0
Free Cash Flow+	2.5M	14.99M	3.85M	322K	32.06M	49.19M	25.82M	23.01M	32.2M
FCF Growth %	-	5%	-0.74%	-0.92%	98.56%	0.53%	-0.48%	-0.11%	0.4%

Banking Ratios

Metric	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	5.41%	10.36%	6.06%	2.99%	0.47%	4.28%	8.62%	5.42%	6.29%
Return on Assets (ROA)	0.5%	0.95%	0.53%	0.35%	0.06%	0.55%	1.15%	0.81%	0.96%
Net Interest Margin	3.1%	3.37%	3.38%	3.2%	2.33%	2.16%	3.53%	3.51%	0%
Efficiency Ratio	72.89%	61.27%	55.26%	74.69%	85.22%	75.39%	60.85%	55.51%	62.71%
Equity / Assets	9.17%	9.19%	8.39%	14.67%	13.24%	12.35%	14.37%	15.64%	14.99%
Book Value / Share	9.31	10.57	11.03	8.95	9.49	9.65	10.6	11.76	12.52
NII Growth	-	22.98%	14.73%	-1.79%	-14.29%	1.34%	54.66%	1.48%	-100%

Revenue by Segment

	2020	2021	2022	2023	2024
Wealth management services	-	-	3.89M	4.29M	6.28M
Wealth management services Growth	-	-	-	10.25%	46.33%
Insurance services	-	-	3.18M	2.76M	3.03M
Insurance services Growth	-	-	-	-13.32%	9.82%
Card services income	-	-	3.12M	2.96M	2.84M
Card services income Growth	-	-	-	-4.94%	-4.05%
Service charges on deposit accounts	-	-	2.73M	2.48M	2.43M
Service charges on deposit accounts Growth	-	-	-	-9.44%	-1.94%
Other	-	-	302K	486K	370K
Other Growth	-	-	-	60.93%	-23.87%
Insurance Revenues Fee	3.73M	3.63M	-	-	-
Insurance Revenues Fee Growth	-	-2.63%	-	-	-
Wealth Management Services	2.75M	3.18M	-	-	-
Wealth Management Services Growth	-	15.78%	-	-	-
Credit And Debit Card	2.78M	3.09M	-	-	-
Credit And Debit Card Growth	-	11.26%	-	-	-
Deposit Account	3.1M	2.52M	-	-	-
Deposit Account Growth	-	-18.68%	-	-	-
Service Other	199K	346K	-	-	-
Service Other Growth	-	73.87%	-	-	-

Frequently Asked Questions

Valuation & Price

Pioneer Bancorp, Inc. (PBFS) has a price-to-earnings (P/E) ratio of 17.8x. This is roughly in line with market averages.

Growth & Financials

Pioneer Bancorp, Inc. (PBFS) saw revenue decline by 10.7% over the past year.

Yes, Pioneer Bancorp, Inc. (PBFS) is profitable, generating $22.9M in net income for fiscal year 2025 (21.8% net margin).

Dividend & Returns

Pioneer Bancorp, Inc. (PBFS) has a return on equity (ROE) of 6.3%. This is below average, suggesting room for improvement.

Industry Metrics

Pioneer Bancorp, Inc. (PBFS) has a net interest margin (NIM) of N/A. NIM has been under pressure due to interest rate environment.

Pioneer Bancorp, Inc. (PBFS) has an efficiency ratio of 62.7%. This is reasonable for a bank.

US Stock Screener

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Pioneer Bancorp, Inc. (PBFS) 10-Year Financial Performance & Capital Metrics

PBFS • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingNortheast Community Banks

Net Interest Income $0 -100.0%
Total Revenue $88M -10.7%
Net Income $19M +25.8%
Return on Equity 6.29% +16.0%
Net Interest Margin 0% -100.0%
Efficiency Ratio 62.71% +13.0%
ROA 0.96% +18.3%
Equity / Assets 14.99% -4.2%
Book Value per Share 12.52 +6.5%
Tangible BV/Share 11.99 +7.0%
Debt/Equity -

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong 5Y profit CAGR of 29.9%
✓Well capitalized: 15.0% equity/assets
✓Diversified revenue: 100.0% from non-interest income
✓Trading at only 1.1x book value

✗Weaknesses

No significant weaknesses identified

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y-

5Y4.95%

3Y15.02%

TTM-

Profit (Net Income) CAGR

10Y-

5Y29.87%

3Y23.15%

TTM49.75%

EPS CAGR

10Y-

5Y29.34%

3Y22.84%

TTM48.39%

ROCE

10Y Avg6.9%

5Y Avg6.25%

3Y Avg8.42%

Latest9.67%

Peer Comparison

Northeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
DCOMDime Community Bancshares, Inc.	1.37B	31.13	56.60	0.1%	4.5%	4.02%	6.79%	0.70
EBCEastern Bankshares, Inc.	4.4B	19.56	29.64	91.64%	11.17%	1.3%	6.14%	0.01
LYGLloyds Banking Group plc	80.5B	5.48	21.92	10.79%	11.75%	9.93%		1.76
CFGCitizens Financial Group, Inc.	26.03B	60.61	20.00	1.31%	12.22%	6.6%	7.22%	0.51
PFSProvident Financial Services, Inc.	2.65B	20.29	19.32	63.91%	10.13%	7.51%	16.04%	0.93
CBUCommunity Bank System, Inc.	3.3B	62.73	18.24	24.44%	19.4%	10.34%	6.71%	0.57
VLYValley National Bancorp	6.7B	12.02	17.42	6.51%	10.65%	6.53%	8.18%	0.50
INDBIndependent Bank Corp.	3.8B	76.62	16.95	6.89%	19.72%	7.76%	5.51%	0.23

Profit & Loss

	Jun 2017	Jun 2018	Jun 2019	Jun 2020	Jun 2021	Jun 2022	Jun 2023	Jun 2024	Dec 2024
Net Interest Income+	35.21M	43.3M	49.68M	48.79M	41.82M	42.38M	65.54M	66.51M	0
NII Growth %	-	0.23%	0.15%	-0.02%	-0.14%	0.01%	0.55%	0.01%	-1%
Net Interest Margin %	-	-	-	-	-	-	-	-	-
Interest Income	37.62M	46.49M	54.16M	53.52M	43.93M	43.84M	71.03M	88.32M	0
Interest Expense	2.41M	3.19M	4.48M	4.73M	2.11M	1.46M	5.49M	21.8M	0
Loan Loss Provision	2.4M	1.97M	18.15M	6.79M	4.05M	-550K	0	2.7M	0
Non-Interest Income+	10.9M	12.8M	14.41M	15.68M	15.75M	14.07M	14.15M	10.38M	88.12M
Non-Interest Income %	-	-	-	-	-	-	-	-	-
Total Revenue+	48.52M	59.29M	68.57M	69.2M	59.68M	57.92M	85.18M	98.7M	88.12M
Revenue Growth %	-	0.22%	0.16%	0.01%	-0.14%	-0.03%	0.47%	0.16%	-0.11%
Non-Interest Expense	35.37M	36.33M	37.89M	51.69M	50.86M	43.66M	51.83M	54.78M	55.26M
Efficiency Ratio	-	-	-	-	-	-	-	-	-
Operating Income+	8.35M	17.81M	8.05M	6M	2.66M	13.34M	27.86M	19.41M	32.86M
Operating Margin %	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-	1.13%	-0.55%	-0.25%	-0.56%	4.01%	1.09%	-0.3%	0.69%
Pretax Income+	8.35M	17.81M	8.05M	6M	2.66M	13.34M	27.86M	19.41M	24.82M
Pretax Margin %	-	-	-	-	-	-	-	-	-
Income Tax+	2.71M	6.31M	737K	797K	1.58M	3.06M	5.91M	4.15M	5.62M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-
Net Income+	5.63M	11.5M	7.31M	5.2M	1.08M	10.28M	21.95M	15.26M	19.2M
Net Margin %	-	-	-	-	-	-	-	-	-
Net Income Growth %	-	1.04%	-0.36%	-0.29%	-0.79%	8.54%	1.14%	-0.3%	0.26%
Net Income (Continuing)	5.63M	11.5M	7.31M	5.2M	1.08M	10.28M	21.95M	15.26M	19.2M
EPS (Diluted)+	0.50	1.03	0.65	0.21	0.04	0.41	0.87	0.61	0.76
EPS Growth %	-	1.06%	-0.37%	-0.68%	-0.8%	8.53%	1.12%	-0.3%	0.25%
EPS (Basic)	0.50	1.03	0.65	0.21	0.04	0.41	0.87	0.61	0.77
Diluted Shares Outstanding	11.17M	11.17M	11.17M	25.01M	25.07M	25.13M	25.17M	25.22M	25.1M

Balance Sheet

	Jun 2017	Jun 2018	Jun 2019	Jun 2020	Jun 2021	Jun 2022	Jun 2023	Jun 2024	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	39.53M	111.41M	228.03M	155.52M	324.78M	372.59M	148.31M	151.55M	119.39M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	1.02B	1.08B	1.14B	1.24B	1.36B	1.49B	1.6B	1.63B	1.87B
Investments Growth %	-	0.06%	0.05%	0.09%	0.1%	0.1%	0.08%	0.02%	0.15%
Long-Term Investments	934.98M	991.2M	1.05B	1.16B	1.1B	1.01B	1.17B	1.37B	1.59B
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-
Goodwill	5.24M	7.29M	7.29M	7.29M	7.29M	8.8M	8.8M	10.88M	10.88M
Intangible Assets	498K	2.87M	2.52M	2.16M	1.84M	2.49M	2.1M	2.95M	2.46M
PP&E (Net)	37.38M	42.9M	41.71M	40.86M	38.92M	38.02M	41.62M	40.1M	35.73M
Other Assets	31.28M	36.53M	47M	77.59M	59.21M	47.35M	45.98M	55.79M	45.78M
Total Current Assets	124.76M	203.33M	319.1M	234.76M	593.43M	859.01M	587.17M	416.52M	416.31M
Total Non-Current Assets	1.01B	1.08B	1.15B	1.29B	1.2B	1.11B	1.27B	1.48B	1.68B
Total Assets+	1.13B	1.28B	1.47B	1.53B	1.8B	1.96B	1.86B	1.9B	2.1B
Asset Growth %	-	0.13%	0.14%	0.04%	0.18%	0.09%	-0.06%	0.02%	0.11%
Return on Assets (ROA)	0%	0.01%	0.01%	0%	0%	0.01%	0.01%	0.01%	0.01%
Accounts Payable	0	0	0	7.76M	0	0	0	0	0
Total Debt+	0	0	0	0	0	0	0	0	0
Net Debt	-39.53M	-111.41M	-228.03M	-155.52M	-324.78M	-372.59M	-148.31M	-151.55M	-119.39M
Long-Term Debt	0	0	0	0	0	0	0	0	0
Short-Term Debt	0	0	0	0	0	0	0	0	0
Other Liabilities	15.2M	10.42M	7.67M	18.49M	21.72M	35.73M	39.75M	38.92M	29.55M
Total Current Liabilities	1.01B	1.16B	1.34B	1.28B	1.54B	1.69B	1.55B	1.56B	1.75B
Total Non-Current Liabilities	15.2M	10.42M	7.67M	18.49M	21.72M	35.73M	39.75M	38.92M	29.55M
Total Liabilities	1.03B	1.17B	1.35B	1.3B	1.56B	1.72B	1.59B	1.6B	1.78B
Total Equity+	104.01M	118.06M	123.26M	223.97M	237.82M	242.63M	266.7M	296.53M	314.25M
Equity Growth %	-	0.14%	0.04%	0.82%	0.06%	0.02%	0.1%	0.11%	0.06%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.05%	0.1%	0.06%	0.03%	0%	0.04%	0.09%	0.05%	0.06%
Book Value per Share	9.31	10.57	11.03	8.95	9.49	9.65	10.60	11.76	12.52
Tangible BV per Share	-	-	-	-	-	-	-	-	-
Common Stock	0	0	0	260K	260K	260K	260K	263K	255K
Additional Paid-in Capital	10.66M	10.66M	0	113.96M	113.81M	113.71M	113.54M	113.48M	114.77M
Retained Earnings	103.02M	116.39M	134.36M	139.73M	140.81M	151.09M	173.04M	187.73M	201.38M
Accumulated OCI	-9.67M	-8.99M	-11.1M	-17.37M	-5.13M	-11.18M	-9.57M	4.94M	7.05M
Treasury Stock	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0

Cash Flow

	Jun 2017	Jun 2018	Jun 2019	Jun 2020	Jun 2021	Jun 2022	Jun 2023	Jun 2024	Dec 2024
Cash from Operations+	11.87M	23M	6.13M	2.02M	32.65M	49.97M	26.27M	23.85M	33.71M
Operating CF Growth %	-	0.94%	-0.73%	-0.67%	15.12%	0.53%	-0.47%	-0.09%	0.41%
Net Income	5.63M	11.5M	7.31M	5.2M	1.08M	10.28M	21.95M	15.26M	19.2M
Depreciation & Amortization	1.96M	2.64M	2.81M	2.91M	2.86M	2.74M	2.7M	2.6M	2.51M
Deferred Taxes	-116K	2.08M	-63K	-3.49M	-1.2M	708K	855K	-188K	0
Other Non-Cash Items	2.49M	3.83M	18.3M	11.12M	3.3M	1M	-523K	6.39M	6.52M
Working Capital Changes	1.9M	2.96M	-22.23M	-14.71M	26.09M	34.65M	778K	-841K	3.54M
Cash from Investing+	-140.03M	-78.7M	-78.02M	-109.47M	-125.11M	-148.03M	-114.87M	-18.05M	-311.8M
Purchase of Investments	-40.87M	-80.5M	-72.21M	-81.32M	-254.81M	-360.61M	-144.25M	-36.74M	0
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	0
Net Investment Activity	-	-	-	-	-	-	-	-	-
Acquisitions	-5.8M	-4.7M	0	0	0	-1.66M	0	-1.98M	-1.98M
Other Investing	-145.71M	-57.7M	-70.31M	-116.12M	61.96M	100.44M	-160.66M	-202.3M	-308.31M
Cash from Financing+	133.91M	135.71M	181.72M	34.24M	260.51M	149.16M	-136.98M	8.91M	140.76M
Dividends Paid	0	0	0	0	0	0	0	0	0
Share Repurchases	0	0	0	0	0	0	0	-1.07M	-6.29M
Stock Issued	0	0	0	109.06M	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	-1000K	0	0	0	0	-114K	-102K	-102K
Other Financing	145.91M	140.71M	181.72M	-74.81M	260.51M	149.16M	-136.86M	10.09M	147.15M
Net Change in Cash+	5.74M	80.02M	109.83M	-73.21M	168.06M	51.1M	-225.58M	14.71M	14.71M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0
Cash at Beginning	34.52M	40.26M	120.28M	230.11M	156.9M	324.96M	376.06M	150.48M	150.48M
Cash at End	40.26M	120.28M	230.11M	156.9M	324.96M	376.06M	150.48M	165.19M	165.19M
Interest Paid	2.4M	3.19M	4.47M	4.71M	2.12M	1.46M	5.43M	21.75M	26.71M
Income Taxes Paid	1M	3.25M	5.35M	1.8M	2M	1.5M	4.8M	5M	0
Free Cash Flow+	2.5M	14.99M	3.85M	322K	32.06M	49.19M	25.82M	23.01M	32.2M
FCF Growth %	-	5%	-0.74%	-0.92%	98.56%	0.53%	-0.48%	-0.11%	0.4%

Banking Ratios

Metric	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	5.41%	10.36%	6.06%	2.99%	0.47%	4.28%	8.62%	5.42%	6.29%
Return on Assets (ROA)	0.5%	0.95%	0.53%	0.35%	0.06%	0.55%	1.15%	0.81%	0.96%
Net Interest Margin	3.1%	3.37%	3.38%	3.2%	2.33%	2.16%	3.53%	3.51%	0%
Efficiency Ratio	72.89%	61.27%	55.26%	74.69%	85.22%	75.39%	60.85%	55.51%	62.71%
Equity / Assets	9.17%	9.19%	8.39%	14.67%	13.24%	12.35%	14.37%	15.64%	14.99%
Book Value / Share	9.31	10.57	11.03	8.95	9.49	9.65	10.6	11.76	12.52
NII Growth	-	22.98%	14.73%	-1.79%	-14.29%	1.34%	54.66%	1.48%	-100%

Revenue by Segment

	2020	2021	2022	2023	2024
Wealth management services	-	-	3.89M	4.29M	6.28M
Wealth management services Growth	-	-	-	10.25%	46.33%
Insurance services	-	-	3.18M	2.76M	3.03M
Insurance services Growth	-	-	-	-13.32%	9.82%
Card services income	-	-	3.12M	2.96M	2.84M
Card services income Growth	-	-	-	-4.94%	-4.05%
Service charges on deposit accounts	-	-	2.73M	2.48M	2.43M
Service charges on deposit accounts Growth	-	-	-	-9.44%	-1.94%
Other	-	-	302K	486K	370K
Other Growth	-	-	-	60.93%	-23.87%
Insurance Revenues Fee	3.73M	3.63M	-	-	-
Insurance Revenues Fee Growth	-	-2.63%	-	-	-
Wealth Management Services	2.75M	3.18M	-	-	-
Wealth Management Services Growth	-	15.78%	-	-	-
Credit And Debit Card	2.78M	3.09M	-	-	-
Credit And Debit Card Growth	-	11.26%	-	-	-
Deposit Account	3.1M	2.52M	-	-	-
Deposit Account Growth	-	-18.68%	-	-	-
Service Other	199K	346K	-	-	-
Service Other Growth	-	73.87%	-	-	-

Frequently Asked Questions

Valuation & Price

Pioneer Bancorp, Inc. (PBFS) has a price-to-earnings (P/E) ratio of 17.8x. This is roughly in line with market averages.

Growth & Financials

Pioneer Bancorp, Inc. (PBFS) saw revenue decline by 10.7% over the past year.

Yes, Pioneer Bancorp, Inc. (PBFS) is profitable, generating $22.9M in net income for fiscal year 2025 (21.8% net margin).

Dividend & Returns

Pioneer Bancorp, Inc. (PBFS) has a return on equity (ROE) of 6.3%. This is below average, suggesting room for improvement.

Industry Metrics

Pioneer Bancorp, Inc. (PBFS) has a net interest margin (NIM) of N/A. NIM has been under pressure due to interest rate environment.

Pioneer Bancorp, Inc. (PBFS) has an efficiency ratio of 62.7%. This is reasonable for a bank.