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Pioneer Bancorp, Inc.(PBFS)Earnings, Financials & Key Ratios
PBFS•NASDAQ•Banking & Credit
22.5× P/E·Price updated Jun 19, 2026
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 Equity6.29%+16.0%
- Net Interest Margin0%-100.0%
- Efficiency Ratio62.71%+13.0%
- ROA0.96%+18.3%
- Equity / Assets14.99%-4.2%
- Book Value per Share12.52+6.5%
PBFS Key Insights
Pioneer Bancorp, Inc. (PBFS) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong 5Y profit CAGR of 29.9%
- ✓Momentum leader: RS Rating 80 (top 20%)
- ✓Well capitalized: 15.0% equity/assets
- ✓Diversified revenue: 100.0% from non-interest income
- ✓Trading near 52-week high
- ✓Trading at only 1.4x book value
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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PBFS Price & Volume
Pioneer Bancorp, Inc. (PBFS) stock price & volume — 10-year historical chart
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PBFS Growth Metrics
Pioneer Bancorp, Inc. (PBFS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years4.95%
3 Years15.02%
TTM-
Profit CAGR
10 Years-
5 Years29.87%
3 Years23.15%
TTM2.71%
EPS CAGR
10 Years-
5 Years29.34%
3 Years22.84%
TTM5.19%
Return on Capital
10 Years6.9%
5 Years6.25%
3 Years8.42%
Last Year9.67%
PBFS Recent Earnings
Pioneer Bancorp, Inc. (PBFS) EPS & revenue vs analyst estimates — last 4 quarters
Q2 2026Latest
May 11, 2026Metric
Actual
Est
EPS
$0.22
—
Rev
$32M
—
Q2 2026
Apr 30, 2026Metric
Actual
Est
EPS
$0.22
—
Rev
$32M
—
Q1 2026
Feb 12, 2026Metric
Actual
Est
EPS
$0.13
—
Rev
$33M
—
Q1 2026
Feb 5, 2026Metric
Actual
Est
EPS
$0.13
—
Rev
$33M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 11, 2026 | $0.22 | $32M |
| Q2 2026 | Apr 30, 2026 | $0.22 | $32M |
| Q1 2026 | Feb 12, 2026 | $0.13 | $33M |
| Q1 2026 | Feb 5, 2026 | $0.13 | $33M |
Based on last 12 quarters of dataView full earnings history →
PBFS Peer Comparison
Pioneer Bancorp, Inc. (PBFS) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 DCOM | 1.72B | 39.00 | 16.46 | 13.03% | 15.15% | 7.67% | 0.25 | |
 NBTB | 2.44B | 46.68 | 14.02 | 10.36% | 18.76% | 9.51% | 0.17 | |
 KRNY | 532.62M | 8.47 | 20.17 | 5.09% | 9.41% | 4.31% | 1.68 | |
 NFBK | 601.82M | 14.41 | 727.78 | -26.69% | 0.3% | 0.11% | 1.44 | |
 TRST | 925.2M | 52.24 | 16.07 | 5.77% | 21.97% | 8.86% | 0.28 | |
 CZWI | 205.47M | 21.34 | 14.62 | -9.41% | 16.01% | 7.81% | 0.28 | |
 CHMG | 341.44M | 70.97 | 22.67 | -6.46% | 10.79% | 6.27% | 0.02 | |
 FISI | 735.42M | 37.36 | 10.35 | 43.07% | 19.86% | 12.26% | 0.53 |
Compare PBFS vs Peers
Pioneer Bancorp, Inc. (PBFS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
PBFS Income Statement
Pioneer Bancorp, Inc. (PBFS) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Jun'17 | Jun'18 | Jun'19 | Jun'20 | Jun'21 | Jun'22 | Jun'23 | Jun'24 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 35.21M | 43.3M | 49.68M | 48.79M | 41.82M | 42.38M | 65.54M | 66.51M | 0 | 80.81M |
NII Growth % | - | 22.98% | 14.73% | -1.79% | -14.29% | 1.34% | 54.66% | 1.48% | -100% | 35.62% |
Net Interest Margin % | 3.1% | 3.37% | 3.38% | 3.2% | 2.33% | 2.16% | 3.53% | 3.51% | 0% | 3.64% |
Interest Income | 37.62M | 46.49M | 54.16M | 53.52M | 43.93M | 43.84M | 71.03M | 88.32M | 0 | 112.06M |
Interest Expense | 2.41M | 3.19M | 4.48M | 4.73M | 2.11M | 1.46M | 5.49M | 21.8M | 0 | 31.24M |
Loan Loss Provision | 2.4M | 1.97M | 18.15M | 6.79M | 4.05M | -550K | 0 | 2.7M | 0 | 3.67M |
Non-Interest Income | 10.9M | 12.8M | 14.41M | 15.68M | 15.75M | 14.07M | 14.15M | 10.38M | 88.12M | 17.27M |
Non-Interest Income % | 22.46% | 21.6% | 21.01% | 22.66% | 26.39% | 24.3% | 16.61% | 10.52% | 100% | 13.36% |
Total Revenue | 48.52M▲ 0% | 59.29M▲ 22.2% | 68.57M▲ 15.6% | 69.2M▲ 0.9% | 59.68M▼ 13.8% | 57.92M▼ 3.0% | 85.18M▲ 47.1% | 98.7M▲ 15.9% | 88.12M▼ 10.7% | 129.33M▲ 0% |
Revenue Growth % | - | 22.2% | 15.65% | 0.93% | -13.76% | -2.95% | 47.08% | 15.87% | -10.72% | 52.26% |
Non-Interest Expense | 35.37M | 36.33M | 37.89M | 51.69M | 50.86M | 43.66M | 51.83M | 54.78M | 55.26M | 69.64M |
Efficiency Ratio | 72.89% | 61.27% | 55.26% | 74.69% | 85.22% | 75.39% | 60.85% | 55.51% | 62.71% | 53.84% |
Operating Income | 8.35M▲ 0% | 17.81M▲ 113.4% | 8.05M▼ 54.8% | 6M▼ 25.5% | 2.66M▼ 55.6% | 13.34M▲ 401.4% | 27.86M▲ 108.8% | 19.41M▼ 30.3% | 32.86M▲ 69.3% | 24.78M▲ 0% |
Operating Margin % | 17.2% | 30.04% | 11.73% | 8.66% | 4.46% | 23.03% | 32.7% | 19.67% | 37.29% | 19.16% |
Operating Income Growth % | - | 113.38% | -54.82% | -25.49% | -55.63% | 401.43% | 108.84% | -30.32% | 69.29% | - |
Pretax Income | 8.35M▲ 0% | 17.81M▲ 113.4% | 8.05M▼ 54.8% | 6M▼ 25.5% | 2.66M▼ 55.6% | 13.34M▲ 401.4% | 27.86M▲ 108.8% | 19.41M▼ 30.3% | 24.82M▲ 27.9% | 24.78M▲ 0% |
Pretax Margin % | 17.2% | 30.04% | 11.73% | 8.66% | 4.46% | 23.03% | 32.7% | 19.67% | 28.17% | 19.16% |
Income Tax | 2.71M | 6.31M | 737K | 797K | 1.58M | 3.06M | 5.91M | 4.15M | 5.62M | 4.96M |
Effective Tax Rate % | 32.53% | 35.43% | 9.16% | 13.29% | 59.51% | 22.93% | 21.21% | 21.38% | 22.65% | 20.03% |
Net Income | 5.63M▲ 0% | 11.5M▲ 104.2% | 7.31M▼ 36.4% | 5.2M▼ 28.9% | 1.08M▼ 79.3% | 10.28M▲ 854.4% | 21.95M▲ 113.5% | 15.26M▼ 30.5% | 19.2M▲ 25.8% | 19.82M▲ 0% |
Net Margin % | 11.61% | 19.39% | 10.66% | 7.51% | 1.8% | 17.75% | 25.77% | 15.46% | 21.79% | 15.32% |
Net Income Growth % | - | 104.21% | -36.44% | -28.88% | -79.28% | 854.41% | 113.52% | -30.47% | 25.82% | 2.71% |
Net Income (Continuing) | 5.63M | 11.5M | 7.31M | 5.2M | 1.08M | 10.28M | 21.95M | 15.26M | 19.2M | 19.82M |
EPS (Diluted) | 0.50▲ 0% | 1.03▲ 106.0% | 0.65▼ 36.9% | 0.21▼ 67.7% | 0.04▼ 79.5% | 0.41▲ 853.5% | 0.87▲ 112.2% | 0.61▼ 29.9% | 0.76▲ 24.6% | 0.81▲ 0% |
EPS Growth % | - | 106% | -36.89% | -67.69% | -79.52% | 853.49% | 112.2% | -29.89% | 24.59% | 5.19% |
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 | 24.34M |
PBFS Balance Sheet
Pioneer Bancorp, Inc. (PBFS) balance sheet — assets, liabilities & shareholders' equity
| Metric | Jun'17 | Jun'18 | Jun'19 | Jun'20 | Jun'21 | Jun'22 | Jun'23 | Jun'24 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 121.51M | 199.47M | 314.72M | 231.29M | 589.38M | 854.38M | 579.98M | 408.96M | 407.61M | 1.28B |
Cash & Due from Banks | 39.53M | 111.41M | 228.03M | 155.52M | 324.78M | 372.59M | 148.31M | 151.55M | 119.39M | 26.94M |
Short Term Investments | 81.97M | 88.06M | 86.69M | 75.77M | 264.6M | 481.79M | 431.67M | 257.41M | 288.22M | 200.89M |
Total Investments | 1.02B | 1.08B | 1.14B | 1.24B | 1.36B | 1.49B | 1.6B | 1.63B | 1.87B | 200.89M |
Investments Growth % | - | 6.13% | 5.38% | 8.98% | 9.73% | 9.57% | 7.51% | 1.52% | 15.18% | -148.1% |
Long-Term Investments | 934.98M | 991.2M | 1.05B | 1.16B | 1.1B | 1.01B | 1.17B | 1.37B | 1.59B | 3.43B |
Accounts Receivables | 3.26M | 3.85M | 4.37M | 3.47M | 4.05M | 4.62M | 7.19M | 7.56M | 8.7M | 1.71B |
Goodwill & Intangibles | 5.74M | 10.17M | 9.81M | 9.45M | 9.13M | 11.29M | 10.89M | 13.83M | 13.34M | 12.19M |
Goodwill | 5.24M | 7.29M | 7.29M | 7.29M | 7.29M | 8.8M | 8.8M | 10.88M | 10.88M | 9.6M |
Intangible Assets | 498K | 2.87M | 2.52M | 2.16M | 1.84M | 2.49M | 2.1M | 2.95M | 2.46M | 2.59M |
PP&E (Net) | 37.38M | 42.9M | 41.71M | 40.86M | 38.92M | 38.02M | 41.62M | 40.1M | 35.73M | 36.09M |
Other Assets | 31.28M | 36.53M | 47M | 77.59M | 59.21M | 47.35M | 45.98M | 55.79M | 45.78M | 0 |
Total Current Assets | 124.76M | 203.33M | 319.1M | 234.76M | 593.43M | 859.01M | 587.17M | 416.52M | 416.31M | 1.94B |
Total Non-Current Assets | 1.01B | 1.08B | 1.15B | 1.29B | 1.2B | 1.11B | 1.27B | 1.48B | 1.68B | 48.28M |
Total Assets | 1.13B▲ 0% | 1.28B▲ 13.2% | 1.47B▲ 14.3% | 1.53B▲ 4.0% | 1.8B▲ 17.7% | 1.96B▲ 9.4% | 1.86B▼ 5.5% | 1.9B▲ 2.1% | 2.1B▲ 10.6% | 2.22B▲ 0% |
Asset Growth % | - | 13.22% | 14.34% | 3.96% | 17.68% | 9.35% | -5.5% | 2.11% | 10.61% | 38.54% |
Return on Assets (ROA) | 0.5% | 0.95% | 0.53% | 0.35% | 0.06% | 0.55% | 1.15% | 0.81% | 0.96% | 0.91% |
Accounts Payable | 0 | 0 | 0 | 7.76M | 0 | 0 | 0 | 0 | 0 | 0 |
Total Debt | 0 | 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 | -26.94M |
Long-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Short-Term Debt | 0 | 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 | 1.89B |
Total Current Liabilities | 1.01B | 1.16B | 1.34B | 1.28B | 1.54B | 1.69B | 1.55B | 1.56B | 1.75B | 0 |
Total Non-Current Liabilities | 15.2M | 10.42M | 7.67M | 18.49M | 21.72M | 35.73M | 39.75M | 38.92M | 29.55M | 1.89B |
Total Liabilities | 1.03B | 1.17B | 1.35B | 1.3B | 1.56B | 1.72B | 1.59B | 1.6B | 1.78B | 1.89B |
Total Equity | 104.01M▲ 0% | 118.06M▲ 13.5% | 123.26M▲ 4.4% | 223.97M▲ 81.7% | 237.82M▲ 6.2% | 242.63M▲ 2.0% | 266.7M▲ 9.9% | 296.53M▲ 11.2% | 314.25M▲ 6.0% | 328.58M▲ 0% |
Equity Growth % | - | 13.51% | 4.4% | 81.71% | 6.19% | 2.02% | 9.92% | 11.18% | 5.98% | 21.49% |
Equity / Assets (Capital Ratio) | 9.17% | 9.19% | 8.39% | 14.67% | 13.24% | 12.35% | 14.37% | 15.64% | 14.99% | 14.79% |
Return on Equity (ROE) | 5.41% | 10.36% | 6.06% | 2.99% | 0.47% | 4.28% | 8.62% | 5.42% | 6.29% | 6.19% |
Book Value per Share | 9.31 | 10.57 | 11.03 | 8.95 | 9.49 | 9.65 | 10.60 | 11.76 | 12.52 | 13.50 |
Tangible BV per Share | 8.80 | 9.66 | 10.16 | 8.58 | 9.12 | 9.21 | 10.16 | 11.21 | 11.99 | 13.00 |
Common Stock | 0 | 0 | 0 | 260K | 260K | 260K | 260K | 263K | 255K | 251K |
Additional Paid-in Capital | 10.66M | 10.66M | 0 | 113.96M | 113.81M | 113.71M | 113.54M | 113.48M | 114.77M | 115.82M |
Retained Earnings | 103.02M | 116.39M | 134.36M | 139.73M | 140.81M | 151.09M | 173.04M | 187.73M | 201.38M | 208.34M |
Accumulated OCI | -9.67M | -8.99M | -11.1M | -17.37M | -5.13M | -11.18M | -9.57M | 4.94M | 7.05M | 12.88M |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
PBFS Cash Flow Statement
Pioneer Bancorp, Inc. (PBFS) cash flow — operating, investing & free cash flow history
| Metric | Jun'17 | Jun'18 | Jun'19 | Jun'20 | Jun'21 | Jun'22 | Jun'23 | Jun'24 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 11.87M | 23M | 6.13M | 2.02M | 32.65M | 49.97M | 26.27M | 23.85M | 33.71M | 14.48M |
Operating CF Growth % | - | 93.89% | -73.36% | -66.96% | 1512.49% | 53.02% | -47.43% | -9.22% | 41.34% | 87.72% |
Net Income | 5.63M | 11.5M | 7.31M | 5.2M | 1.08M | 10.28M | 21.95M | 15.26M | 19.2M | 19.82M |
Depreciation & Amortization | 1.96M | 2.64M | 2.81M | 2.91M | 2.86M | 2.74M | 2.7M | 2.6M | 2.51M | 1.8M |
Deferred Taxes | -116K | 2.08M | -63K | -3.49M | -1.2M | 708K | 855K | -188K | 0 | -3.34M |
Other Non-Cash Items | 2.49M | 3.83M | 18.3M | 11.12M | 3.3M | 1M | -523K | 6.39M | 6.52M | -3.83M |
Working Capital Changes | 1.9M | 2.96M | -22.23M | -14.71M | 26.09M | 34.65M | 778K | -841K | 3.54M | -1.09M |
Cash from Investing | -140.03M | -78.7M | -78.02M | -109.47M | -125.11M | -148.03M | -114.87M | -18.05M | -311.8M | -118.06M |
Purchase of Investments | -40.87M | -80.5M | -72.21M | -81.32M | -254.81M | -360.61M | -144.25M | -36.74M | 0 | -76.33M |
Sale/Maturity of Investments | 61.71M | 72.21M | 66.79M | 89.67M | 68.34M | 114.57M | 190.49M | 223.81M | 0 | 143.84M |
Net Investment Activity | 20.85M | -8.29M | -5.42M | 8.35M | -186.47M | -246.04M | 46.24M | 187.07M | 0 | 67.51M |
Acquisitions | -5.8M | -4.7M | 0 | 0 | 0 | -1.66M | 0 | -1.98M | -1.98M | 0 |
Other Investing | -145.71M | -57.7M | -70.31M | -116.12M | 61.96M | 100.44M | -160.66M | -202.3M | -308.31M | -184.84M |
Cash from Financing | 133.91M | 135.71M | 181.72M | 34.24M | 260.51M | 149.16M | -136.98M | 8.91M | 140.76M | 120.89M |
Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Share Repurchases | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1.07M | -6.29M | -9.72M |
Stock Issued | 0 | 0 | 0 | 109.06M | 0 | 0 | 0 | 0 | 0 | 123K |
Net Stock Activity | 0 | 0 | 0 | 109.06M | 0 | 0 | 0 | -1.07M | -6.29M | -9.6M |
Debt Issuance (Net) | -1000K | -1000K | 0 | 0 | 0 | 0 | -114K | -102K | -102K | -65K |
Other Financing | 145.91M | 140.71M | 181.72M | -74.81M | 260.51M | 149.16M | -136.86M | 10.09M | 147.15M | 130.56M |
Net Change in Cash | 5.74M▲ 0% | 80.02M▲ 1293.3% | 109.83M▲ 37.3% | -73.21M▼ 166.7% | 168.06M▲ 329.6% | 51.1M▼ 69.6% | -225.58M▼ 541.5% | 14.71M▲ 106.5% | 14.71M▲ 0.0% | 17.31M▲ 0% |
Exchange Rate Effect | 0 | 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 | 133.68M |
Cash at End | 40.26M | 120.28M | 230.11M | 156.9M | 324.96M | 376.06M | 150.48M | 165.19M | 165.19M | 156.94M |
Interest Paid | 2.4M | 3.19M | 4.47M | 4.71M | 2.12M | 1.46M | 5.43M | 21.75M | 26.71M | 23.2M |
Income Taxes Paid | 1M | 3.25M | 5.35M | 1.8M | 2M | 1.5M | 4.8M | 5M | 0 | 9.25M |
Free Cash Flow | 2.5M▲ 0% | 14.99M▲ 499.8% | 3.85M▼ 74.3% | 322K▼ 91.6% | 32.06M▲ 9855.6% | 49.19M▲ 53.4% | 25.82M▼ 47.5% | 23.01M▼ 10.9% | 32.2M▲ 39.9% | 20.98M▲ 0% |
FCF Growth % | - | 499.84% | -74.35% | -91.63% | 9855.59% | 53.44% | -47.51% | -10.88% | 39.95% | -8.27% |
PBFS Banking Ratios
Pioneer Bancorp, Inc. (PBFS) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 10.36% | 6.06% | 2.99% | 0.47% | 4.28% | 8.62% | 5.42% | 6.29% | 6.19% |
Return on Assets (ROA) | 0.95% | 0.53% | 0.35% | 0.06% | 0.55% | 1.15% | 0.81% | 0.96% | 0.91% |
Net Interest Margin | 3.37% | 3.38% | 3.2% | 2.33% | 2.16% | 3.53% | 3.51% | 0% | 3.64% |
Efficiency Ratio | 61.27% | 55.26% | 74.69% | 85.22% | 75.39% | 60.85% | 55.51% | 62.71% | 53.84% |
Equity / Assets | 9.19% | 8.39% | 14.67% | 13.24% | 12.35% | 14.37% | 15.64% | 14.99% | 14.79% |
Book Value / Share | 10.57 | 11.03 | 8.95 | 9.49 | 9.65 | 10.6 | 11.76 | 12.52 | 13.5 |
NII Growth | 22.98% | 14.73% | -1.79% | -14.29% | 1.34% | 54.66% | 1.48% | -100% | 49.16% |
Dividend Payout | - | - | - | - | - | - | - | - | 0% |
Related:PBFS Dividend History·PBFS Revenue History·PBFS Price History·PBFS P/E History·PBFS Financial Ratios·PBFS Institutional Holders
PBFS SEC Filings & Documents
Pioneer Bancorp, Inc. (PBFS) SEC filings — annual & quarterly reports (10-K, 10-Q)
PBFS Frequently Asked Questions
Pioneer Bancorp, Inc. (PBFS) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Pioneer Bancorp, Inc. (PBFS) saw revenue decline by 10.7% over the past year.
Yes, Pioneer Bancorp, Inc. (PBFS) is profitable, generating $19.8M 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.