Pioneer Bancorp, Inc./MD PBFS
Last close
18.54
2026-09-04
Market cap
$460.6M
2026-06-30 share count
52-week range
12.64 - 19.42
Valuation FY2025 figures against the last close
P/S29.1x
P/E22.3x
P/FCF41.4x
EV/EBITDA—
Dividend yield—
Diluted EPS0.83
Annual financial statements
Income statement
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 |
|---|---|---|---|---|---|---|---|---|---|
| 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 | 0.83 | 0.61 | 0.87 | 0.41 | 0.04 | 0.21 | — | — | — |
| EPS, diluted | 0.83 | 0.61 | 0.87 | 0.41 | 0.04 | 0.21 | — | — | — |
| Shares, diluted (wtd. avg.) | $24.6M | $25.2M | $25.2M | $25.1M | $25.1M | — | — | — | — |
Balance sheet
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 |
|---|---|---|---|---|---|---|---|---|---|
| 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 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 |
|---|---|---|---|---|---|---|---|---|---|
| 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.
Others in SIC 6036
| Ticker | Company | Market cap | P/E | Revenue growth |
|---|---|---|---|---|
| FLG | FLAGSTAR BANK, NATIONAL ASSOCIATION | $5.61B | — | -25.0% |
| BBT | Beacon Financial Corp | $2.67B | 31.0x | 81.1% |
| HFWA | HERITAGE FINANCIAL CORP /WA/ | $1.20B | 14.9x | 1.5% |
| NBBK | NB Bancorp, Inc. | $1.01B | 17.3x | 14.8% |
| SMBC | SOUTHERN MISSOURI BANCORP, INC. | $817.0M | 14.3x | 11.7% |
| TCBX | Third Coast Bancshares, Inc. | $767.0M | 12.2x | — |
| GCBC | GREENE COUNTY BANCORP INC | $607.0M | 19.5x | 13.5% |
| HBCP | HOME BANCORP, INC. | $553.8M | 12.0x | 4.9% |