Pioneer Bancorp, Inc. (PBFS) Earnings History
Elite Compounder10 years of earnings data (2017–2026) · 5-year EPS CAGR exceeds 18% — top-tier earnings quality
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Pioneer Bancorp, Inc. (PBFS) Earnings Overview
As of November 8, 2026, Pioneer Bancorp, Inc. (PBFS) reported trailing twelve-month net income of $20M, reflecting +9.2% year-over-year growth. The company earned $0.83 per diluted share over the past four quarters, with a net profit margin of 21.1%.
Looking at the long-term picture, PBFS's 5-year EPS compound annual growth rate (CAGR) stands at +80.8%, 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 96.2%, operating margin of 27.5%, and net margin of 21.1%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including DCOM ($143M net income, 24.4% margin), NBTB ($218M net income, 25.7% margin), KRNY ($37M net income, 20.4% margin), PBFS has room to improve margins relative to the peer group. Compare PBFS vs DCOM →
PBFS Earnings vs Peers
Earnings metrics vs comparable public companies
PBFS Historical Earnings Data (2017–2026)
10 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2026 | $20M | +5.7% | $26M | $0.83 | 21.1% | 27.5% |
| 2025 | $19M | +25.8% | $33M | $0.76 | 26.0% | 44.4% |
| 2024 | $15M | -30.5% | $19M | $0.61 | 19.8% | 25.2% |
| 2023 | $22M | +113.5% | $28M | $0.87 | 27.5% | 35.0% |
| 2022 | $10M | +854.4% | $13M | $0.41 | 18.2% | 23.6% |
| 2021 | $1M | -79.3% | $3M | $0.04 | 1.9% | 4.6% |
| 2020 | $5M | -28.9% | $6M | $0.21 | 8.1% | 9.3% |
| 2019 | $7M | -36.4% | $8M | $0.65 | 11.4% | 12.6% |
| 2018 | $11M | +104.2% | $18M | $1.03 | 20.5% | 31.7% |
| 2017 | $6M | - | $8M | $0.50 | 12.2% | 18.1% |
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PBFS — Frequently Asked Questions
Quick answers to the most common questions about buying PBFS stock.
What is PBFS earnings per share (EPS)?
PBFS trailing twelve-month (TTM) diluted EPS is $0.83, reflecting +9.2% year-over-year growth. The 5-year EPS CAGR is +80.8%. Complete EPS history from 2017 to 2026 is available in the table on this page.
What is Pioneer Bancorp, Inc.'s net income?
Pioneer Bancorp, Inc. (PBFS) trailing twelve-month net income is $20M as of 2026. Earnings grew +9.2% year-over-year. Pioneer Bancorp, Inc. has been profitable for 10 consecutive years.
Is PBFS profitable?
Yes, PBFS is profitable with a TTM net income of $20M and a net profit margin of +21.1%. Pioneer Bancorp, Inc. has generated profits for 10 consecutive years.
What is PBFS's earnings growth rate?
PBFS compound annual EPS growth rates (CAGR): 1-Year: +9.2%, 3-Year: -1.6%, 5-Year: +80.8%, 10-Year: N/A. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2017 to 2026.
What are PBFS's profit margins?
Pioneer Bancorp, Inc. net profit margin is +21.1%, operating margin is +27.5%, and gross margin is +96.2%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +6.4%.
Is PBFS growing earnings?
PBFS is growing earnings steadily. YoY EPS growth of +9.2% is consistent with the 5-year CAGR of +80.8%. TTM net income is $20M.
What was PBFS's best earnings year?
Pioneer Bancorp, Inc.'s highest annual net income on record is $22M, achieved in fiscal year 2023. Earnings history on this page spans 2017 to 2026 and includes all annual and quarterly figures.
What were PBFS's earnings last quarter?
PBFS's most recent reported quarter was Q1 2027. Net income was $85000.00 with diluted EPS of $0.00. For a full breakdown of all quarters, see the quarterly earnings table on this page.