PBFSNasdaqSavings Institutions, Not Federally CharteredFiscal year ends December 31
Pioneer Bancorp, Inc./MD
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 10, 2026
$17.65+0.07 (+0.40%)
Close on Oct 19, 2026
- Market cap
- $429.44M
- P/E (TTM)
- 28.9
- Dividend yield
- –
Pioneer Bancorp statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of Savings Institutions, Not Federally Chartered companies for comparison
Valuation
| Measure | Pioneer Bancorp | Industry median |
|---|---|---|
| Market Cap | $438.46M | $679.86M |
| Enterprise Value | $343.89M | $408.94M |
| PE Ratio | 28.93 | 11.99 |
| PS Ratio | 29.32 | 3.59 |
| PB Ratio | 1.34 | 1.18 |
| P/TBV Ratio | 1.45 | 1.41 |
| P/FCF Ratio | 19.06 | 10.89 |
| P/OCF Ratio | 18.39 | 10.01 |
Enterprise value
| Measure | Pioneer Bancorp | Industry median |
|---|---|---|
| EV / Sales | 23.00 | 2.76 |
| EV / FCF | 14.95 | 8.23 |
Income (trailing twelve months)
| Measure | Pioneer Bancorp | Industry median |
|---|---|---|
| Revenue | $14.95M | $170.85M |
| Pretax Income | $19.41M | $70.12M |
| Net Income | $15.26M | $54.33M |
| EPS (Diluted) | $0.61 | $2.91 |
Margins
| Measure | Pioneer Bancorp | Industry median |
|---|---|---|
| Pretax Margin | 129.8% | 36.5% |
| Profit Margin | 102.1% | 29.1% |
| FCF Margin | 153.9% | 33.2% |
Returns
| Measure | Pioneer Bancorp | Industry median |
|---|---|---|
| Return on Equity (ROE) | 4.65% | 10.6% |
| Return on Assets (ROA) | 0.65% | 1.12% |
Growth
| Measure | Pioneer Bancorp | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 15.2% | 11.8% |
| Net Income Growth (YoY) | -30.5% | 23.2% |
| EPS Growth (YoY) | -29.9% | 23.1% |
| FCF Growth (YoY) | -10.9% | 28.5% |
| Revenue Growth (3Y CAGR) | 5.41% | 5.82% |
| Revenue Growth (5Y CAGR) | 3.01% | 6.17% |
| EPS Growth (3Y CAGR) | 148.0% | 1.31% |
Balance sheet
| Measure | Pioneer Bancorp | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $94.57M | $205.54M |
| Net Cash (Debt) | $94.57M | $164.40M |
| Net Cash Per Share | $3.81 | $8.13 |
| Equity (Book Value) | $328.34M | $563.88M |
| Book Value Per Share | $13.22 | $28.47 |
| Tangible Book Value | $301.78M | $475.36M |
Cash flow (trailing twelve months)
| Measure | Pioneer Bancorp | Industry median |
|---|---|---|
| Operating Cash Flow | $23.85M | $61.52M |
| Capital Expenditures | -$838.00K | -$4.08M |
| Free Cash Flow | $23.01M | $52.15M |
| FCF Per Share | $0.93 | $3.05 |
Efficiency
| Measure | Pioneer Bancorp | Industry median |
|---|---|---|
| Asset Turnover | 0.01 | 0.04 |
| Revenue Per Employee | $58.18K | $353.78K |
| Profits Per Employee | $59.38K | $107.28K |
| Employee Count | 257 | 489 |
Dividends and yields
| Measure | Pioneer Bancorp | Industry median |
|---|---|---|
| Earnings Yield | 3.48% | 8.13% |
| FCF Yield | 5.25% | 8.91% |
| Buyback Yield | 0.25% | 1.55% |
| Shareholder Yield | 0.25% | 3.13% |
Shares
| Measure | Pioneer Bancorp | Industry median |
|---|---|---|
| Shares Outstanding | 24,841,700 | 18,839,100 |
| Shares Change (YoY) | 0.21% | 0.40% |
| Shares Change (QoQ) | -0.94% | 0.00% |
| Float | 24,668,200 | 17,061,900 |
| Shares Held by Insiders | 0.70% | 5.89% |
| Shares Held by Institutions | 22.9% | 61.9% |
Taxes
| Measure | Pioneer Bancorp | Industry median |
|---|---|---|
| Income Tax | $4.15M | $14.50M |
| Effective Tax Rate | 21.4% | 21.1% |
Scores
| Measure | Pioneer Bancorp | Industry median |
|---|---|---|
| Graham Number | $13.47 | $45.31 |
| Graham Upside | -23.7% | 21.9% |
| Altman Z-Score | 0.26 | 0.21 |
| Piotroski F-Score | 5 | 6 |
Calculated by StockData from Pioneer Bancorp's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.