Pioneer Bancorp, Inc./MD (PBFS) stock analysis
PBFSNasdaqSavings Institutions, Not Federally CharteredFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 6, 2026
$18.15−0.17 (-0.93%)
Close on Nov 12, 2026Market cap $450.88MP/E 29.8Yield –
Margins
Share of revenue, fiscal years 2017 to 2024
Net margin
102.1%+45.4 pts over 5 years
Growth rates
Compound annual growth to fiscal 2024
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +15.2% | +5.4% | +3.0% | – | |
| Net income | -30.5% | +142.0% | +15.9% | – | |
| EPS, diluted | -29.9% | +148.0% | – | – | |
| Free cash flow | -10.9% | -10.5% | +43.0% | – |
Returns and balance sheet
8 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2017 | FY2019 | FY2024 | Trend |
|---|---|---|---|---|
| Return on equity | – | 6.1% | 5.4% | |
| Return on assets | – | 0.5% | 0.8% | |
| Capex to revenue | – | 17.7% | 5.6% | |
| Diluted shares | – | – | 25M |
Where the cash went
Fiscal 2020 to 2024, five years combined
Pioneer Bancorp generated $134.76M from operations and spent $5.44M on capital expenditure, dividends and share buybacks. 80% of that went back into the business.
Generated
$134.76M
Used
$5.44M
Capital expenditure$4.37M80%Dividends$00%Share buybacks$1.08M20%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin102.1%
×Asset turnover0.01×
×Equity multiplier6.66×
=Return on equity, FY20245.4%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2024 | 102.1% | 0.01× | 6.66× | 5.4% |
| FY2023 | 169.1% | 0.01× | 7.50× | 8.6% |
| FY2022 | 77.7% | 0.01× | 7.83× | 4.3% |
| FY2021 | 8.4% | 0.01× | 7.20× | 0.5% |
| FY2020 | 41.4% | 0.01× | 8.62× | 3.0% |
| FY2019 | 56.7% | 0.01× | 11.41× | 6.1% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2024 against fiscal 2023
4of 6 tests passed in fiscal 2024. Some tests lack the figures they need.
- ProfitableNet income above zero$15.26M
- Cash generatingOperating cash flow above zero$23.85M
- Return on assets improvedROA up on the prior year1.1% → 0.8%
- Earnings backed by cashOperating cash flow above net income$23.85M vs $15.26M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise25M → 25M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.01 → 0.01
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