Pioneer Bancorp, Inc. (PBFS) Earnings History
Annual and quarterly earnings data from 2017 to 2025
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PBFS EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
PBFS Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 100.0% | 37.3% | 21.8% |
| 2024 | 75.2% | 19.7% | 15.5% |
| 2023 | 93.6% | 32.7% | 25.8% |
| 2022 | 98.4% | 23.0% | 17.7% |
| 2021 | 89.7% | 4.5% | 1.8% |
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Pioneer Bancorp, Inc. (PBFS) Earnings Overview
As of May 8, 2026, Pioneer Bancorp, Inc. (PBFS) reported trailing twelve-month net income of $20M, reflecting +24.6% year-over-year growth. The company earned $0.84 per diluted share over the past four quarters, with a net profit margin of 21.8%.
Looking at the long-term picture, PBFS's 5-year EPS compound annual growth rate (CAGR) stands at +29.3%, indicating exceptional earnings growth. The company achieved its highest annual net income of $22M in fiscal 2023.
Pioneer Bancorp, Inc. maintains industry-leading profitability with a gross margin of 100.0%, operating margin of 37.3%, and net margin of 21.8%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including DCOM ($111M net income, 15.2% margin), NBTB ($169M net income, 19.5% margin), KRNY ($32M net income, 7.6% margin), PBFS has outperformed on profitability metrics. Compare PBFS vs DCOM →
PBFS Earnings vs Peers
Earnings metrics vs comparable public companies
PBFS Historical Earnings Data (2017–2025)
9 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $19M | +25.8% | $33M | $0.76 | 21.8% | 37.3% |
| 2024 | $15M | -30.5% | $19M | $0.61 | 15.5% | 19.7% |
| 2023 | $22M | +113.5% | $28M | $0.87 | 25.8% | 32.7% |
| 2022 | $10M | +854.4% | $13M | $0.41 | 17.7% | 23.0% |
| 2021 | $1M | -79.3% | $3M | $0.04 | 1.8% | 4.5% |
| 2020 | $5M | -28.9% | $6M | $0.21 | 7.5% | 8.7% |
| 2019 | $7M | -36.4% | $8M | $0.65 | 10.7% | 11.7% |
| 2018 | $11M | +104.2% | $18M | $1.03 | 19.4% | 30.0% |
| 2017 | $6M | - | $8M | $0.50 | 11.6% | 17.2% |
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Start ComparisonPBFS — Frequently Asked Questions
Quick answers to the most common questions about buying PBFS stock.
Is PBFS growing earnings?
PBFS EPS is $0.84, with earnings growth accelerating to +24.6%. This exceeds the 5-year CAGR of +29.3%. TTM net income reached $20M.
What are PBFS's profit margins?
Pioneer Bancorp, Inc. net margin is +21.8%, with operating margin at +37.3%. Above-average margins indicate pricing power.
How consistent are PBFS's earnings?
PBFS earnings data spans 2017-2025. The accelerating earnings trend is +24.6% YoY. Historical data enables comparison across business cycles.