Last 31 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Pioneer Bancorp, Inc.'s quarterly P/E stands at 22.5x, up 1.4% year-over-year. EV/EBITDA has compressed 16.3% YoY to 11.6x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 19.59 | 22.47 | 18.14 | 11.57 | 12.73 | 22.15 | 10.97 | 15.64 | 12.91 | 19.25 | 15.25 | 12.43 | 10.27 |
| — | +1.4% | +65.3% | -26.0% | -1.4% | +15.1% | -28.1% | +25.8% | +25.7% | +68.9% | +28.2% | -52.3% | -96.1% | |
| P/S Ratio | 4.24 | 2.47 | 2.50 | 2.32 | 2.47 | 2.50 | 2.42 | 2.32 | 2.26 | 3.10 | 2.27 | 2.53 | 2.82 |
| — | -1.2% | +3.5% | +0.3% | +9.2% | -19.4% | +6.8% | -8.6% | -19.7% | -5.3% | -28.1% | -36.5% | -40.9% | |
| P/B Ratio | 1.19 | 1.01 | 1.02 | 0.94 | 0.94 | 0.96 | 0.91 | 0.85 | 0.86 | 0.89 | 0.79 | 0.85 | 0.95 |
| — | +5.8% | +12.7% | +10.5% | +9.8% | +7.5% | +14.7% | +0.7% | -10.3% | -22.6% | -20.1% | -16.8% | -14.3% | |
| P/FCF | 11.60 | 15.00 | 21.86 | 16.22 | — | 4.25 | 38.51 | 7.14 | 19.30 | — | 4.46 | 4.22 | 27.26 |
| — | +253.1% | -43.2% | +127.3% | — | — | +764.1% | +69.2% | -29.2% | — | -41.3% | +45.6% | +834.3% | |
| EV / EBITDA | 7.73 | 11.65 | 3.75 | 5.41 | 4.82 | 13.91 | 1.51 | 4.44 | 0.08 | 6.22 | 0.05 | 3.02 | 3.19 |
| — | -16.3% | +148.2% | +21.8% | +6144.0% | +123.6% | +2931.4% | +47.0% | -97.6% | +48.2% | +100.9% | +135.9% | +107.4% | |
| EV / EBIT | 7.73 | 11.65 | 4.15 | 5.41 | 5.20 | 13.91 | 1.63 | 5.01 | 0.09 | 7.22 | 0.06 | 3.37 | 3.47 |
| — | -16.3% | +155.0% | +8.0% | +5992.0% | +92.7% | +2724.2% | +48.7% | -97.5% | +58.3% | +100.9% | +132.6% | +103.2% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Pioneer Bancorp, Inc.'s operating margin was 16.1% in Q2 2026, down 1.4 pp QoQ and up 1.6 pp YoY. This marks the 3rd consecutive quarter of margin compression, signaling a persistent pressure on profitability that investors should monitor. The trailing four-quarter average of 21.0% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 100.0% | 73.8% | 72.4% | 71.9% | 74.4% | — | 80.3% | 73.9% | 78.6% | 68.0% | 78.9% | 85.8% | 94.3% |
| — | — | -9.9% | -2.7% | -5.3% | — | +1.8% | -13.9% | -16.7% | -30.6% | -18.4% | -16.4% | -3.4% | |
| Operating Margin | 37.3% | 16.1% | 17.5% | 25.6% | 25.1% | 14.5% | 28.8% | 18.5% | 22.1% | 19.7% | 18.2% | 25.7% | 34.8% |
| — | +11.0% | -39.2% | +38.6% | +13.3% | -26.6% | +58.4% | -28.3% | -36.4% | -45.8% | -46.9% | +30.3% | +957.9% | |
| Net Margin | 21.8% | 11.3% | 13.5% | 20.3% | 19.5% | 11.3% | 22.1% | 14.4% | 17.3% | 15.7% | 14.4% | 20.3% | 27.3% |
| — | -0.1% | -39.1% | +40.6% | +12.9% | -27.9% | +53.6% | -28.9% | -36.9% | -44.4% | -47.7% | +32.5% | +1154.9% |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 6.3% | 1.2% | 1.4% | 2.1% | 1.9% | 1.1% | 2.1% | 1.3% | 1.6% | 1.1% | 1.3% | 1.7% | 2.4% |
| — | +8.5% | -34.4% | +53.8% | +13.7% | -5.8% | +65.5% | -21.6% | -30.3% | -54.3% | -41.2% | +73.8% | +1783.8% | |
| ROA | 1.0% | 0.2% | 0.2% | 0.3% | 0.3% | 0.2% | 0.3% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.3% |
| — | +3.2% | -38.1% | +52.8% | +15.7% | -1.5% | +80.3% | -16.3% | -24.4% | -47.2% | -31.0% | +101.9% | +1961.4% | |
| ROIC | 8.1% | 1.2% | 1.3% | 2.0% | 1.7% | 1.0% | 2.0% | 1.3% | 1.6% | 1.1% | 1.2% | 1.6% | 2.3% |
| — | +18.3% | -34.6% | +51.5% | +7.1% | -10.0% | +70.6% | -20.9% | -29.7% | -55.5% | -40.3% | +70.9% | +1487.3% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Pioneer Bancorp, Inc.'s Debt/EBITDA ratio is 10.2x — elevated, raising questions about debt serviceability.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | — | 0.17 | — | — | — | 0.13 | — | — | — | — | — | — | — |
| — | +27.9% | — | — | — | — | — | — | — | — | — | — | — | |
| Debt / EBITDA | — | 10.22 | — | — | — | 9.49 | — | — | — | — | — | — | — |
| — | +7.7% | — | — | — | — | — | — | — | — | — | — | — | |
| Current Ratio | 0.24 | 0.77 | 1.10 | 0.24 | 0.16 | — | 0.29 | 0.27 | 0.33 | 0.30 | 0.39 | 0.38 | 0.42 |
| — | — | +276.3% | -11.0% | -51.5% | — | -23.9% | -29.5% | -20.2% | -28.6% | -25.2% | -25.6% | -19.1% | |
| Quick Ratio | 0.24 | 0.77 | 1.10 | 0.24 | 0.16 | — | 0.29 | 0.27 | 0.33 | 0.30 | 0.39 | 0.38 | 0.42 |
| — | — | +276.3% | -11.0% | -51.5% | — | -23.9% | -29.5% | -20.2% | -28.6% | -25.2% | -25.6% | -19.1% | |
| Interest Coverage | — | 0.65 | 0.69 | 1.10 | 1.10 | — | 1.26 | 0.79 | 1.05 | 0.74 | 1.01 | 2.00 | 6.07 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 31 years · Updated daily
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Pioneer Bancorp, Inc.'s current P/E is 19.6x. The average P/E over the last 4 quarters is 16.2x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Pioneer Bancorp, Inc.'s current operating margin is 37.3%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Pioneer Bancorp, Inc.'s business trajectory between earnings reports.