Pioneer Bancorp, Inc./MD PBFS

Financials SIC 6036 - Savings Institutions, Not Federally Chartered NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Savings Institutions and Other Depository Credit Intermediation derived Nasdaq

Last close 18.22 2026-10-23
Market cap $452.6M 2026-06-30 share count
52-week range 12.90 - 19.91

Valuation FY2025 figures against the last close

P/S28.6x
P/E22.0x
P/FCF40.7x
EV/EBITDA—
Dividend yield—
Diluted EPS0.83

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017
Revenue $15.8M$15.0M$13.0M$13.2M$12.8M$12.6M$12.9M$46.5M—
Interest expense $79.1M$66.5M$65.5M$1.5M$2.1M$4.7M$4.5M$3.2M—
Pre-tax income $26.5M$19.4M$27.9M$13.3M$2.7M$6.0M$8.0M$17.8M—
Income tax $6.2M$4.1M$5.9M$3.1M$1.6M$797.0K$737.0K$6.3M—
Net income $20.3M$15.3M$21.9M$10.3M$1.1M$5.2M$7.3M$11.5M—
EPS, basic 0.830.610.870.410.040.21———
EPS, diluted 0.830.610.870.410.040.21———
Shares, diluted (wtd. avg.) 24.6M25.2M25.2M25.1M25.1M————

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017
Cash and equivalents $133.7M$165.2M$150.5M$376.1M$325.0M$156.9M$230.1M$120.3M$40.3M
Property, plant and equipment $31.5M$30.6M$35.6M$38.0M$38.9M$40.9M$41.7M$42.9M—
Goodwill $9.6M$10.9M$8.8M$8.8M$7.3M$7.3M$7.3M$7.3M$5.2M
Other intangibles $2.7M$2.7M$2.1M$2.5M$1.8M$2.2M$2.5M$2.9M—
Total assets $2.15B$1.98B$1.86B$1.96B$1.80B$1.53B$1.47B$1.28B—
Total liabilities $1.83B$1.68B$1.59B$1.72B$1.56B$1.30B$1.35B$1.17B—
Retained earnings $203.0M$194.2M$173.0M$151.1M$140.8M$139.7M$134.4M$116.4M—
Total equity $323.9M$296.5M$266.7M$242.6M$237.8M$224.0M$123.3M$118.1M$104.0M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017
Operating cash flow $11.1M$23.8M$26.3M$50.0M$32.7M$2.0M$6.1M$23.0M—
Depreciation and amortisation $1.9M$2.1M$2.3M$2.4M$2.5M$2.5M$2.5M$2.4M—
Stock-based compensation $1.3M$154.0K———————
Capital expenditure —$838.0K$451.0K$780.0K$596.0K$1.7M$2.3M$8.0M—
Investing cash flow -$125.8M-$18.0M-$114.9M-$148.0M-$125.1M-$109.5M-$78.0M-$78.7M—
Financing cash flow $151.8M$8.9M-$137.0M$149.2M$260.5M$34.2M$181.7M$135.7M—
Buybacks $11.3M$1.1M———————

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001104659-26-040117.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 20M 40M 60M Revenue, FY2018: 46.5M Net income, FY2018: 11.5M Revenue, FY2019: 12.9M Net income, FY2019: 7.3M Revenue, FY2020: 12.6M Net income, FY2020: 5.2M Revenue, FY2021: 12.8M Net income, FY2021: 1.1M Revenue, FY2022: 13.2M Net income, FY2022: 10.3M Revenue, FY2023: 13M Net income, FY2023: 21.9M Revenue, FY2024: 15M Net income, FY2024: 15.3M Revenue, FY2025: 15.8M Net income, FY2025: 20.3M FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue — $46.5M $12.9M $12.6M $12.8M $13.2M $13.0M $15.0M $15.8M
Gross profit — — — — — — — — —
Net income — $11.5M $7.3M $5.2M $1.1M $10.3M $21.9M $15.3M $20.3M

Recent filings and events

  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Results announced Item 2.02
  • Acquisition or disposal completed A purchase or sale of a significant business or asset has closed. Item 2.01
  • Other event Item 8.01
  • Other event Item 8.01
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Results announced Item 2.02
  • Officer or director change Item 5.02
  • Other event Item 8.01

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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