PBFS

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Pioneer Bancorp, Inc.

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Key Metrics

Previous Close: $17.19
52-Week Range: $12.64 – $19.42
Market Cap: $413.96M
P/E (TTM): 24.46
EPS (TTM): 0.70
Dividend Yield: —

Advanced Metrics

Price/Book: 1.27
PEG Ratio: —
Return on Equity: 5.24%
Return on Assets: 0.75%
Gross Margin: 0.00%
Operating Margin: 18.69%
Profit Margin: 17.10%
Current Ratio: —
Debt/Equity: —
Total Debt: $8.45M
Free Cash Flow: —
Revenue Growth: 17.90%
Earnings Growth: -46.20%
Enterprise Value: $307.62M

PBFS Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$56.45M	$79.69M	$76.89M	$96.29M
Selling, General & Admin	$22.93M	$30.01M	$31.96M	$36.87M
Pretax Income	$13.34M	$27.86M	$19.41M	$26.49M
Income Tax	$3.06M	$5.91M	$4.15M	$6.20M
Net Income	$10.28M	$21.95M	$15.26M	$20.29M
Diluted EPS	0.41	0.87	0.61	0.83
Diluted Shares	25.13M	25.17M	25.22M	24.57M

PBFS Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$372.59M	$148.31M	$151.55M	$130.88M
Receivables	$4.62M	$7.19M	$7.56M	$8.89M
Total Assets	$1.96B	$1.86B	$1.90B	$2.15B
Total Liabilities	$1.72B	$1.59B	$1.60B	$1.83B
Retained Earnings	$151.09M	$173.04M	$187.73M	$203.04M
Shareholders' Equity	$242.63M	$266.70M	$296.53M	$323.86M

PBFS Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$49.97M	$26.27M	$23.85M	$11.12M
Capital Expenditure	-$780.00K	-$451.00K	-$838.00K	-$2.32M
Free Cash Flow	$49.19M	$25.82M	$23.01M	$8.80M
Depreciation & Amortisation	$2.74M	$2.70M	$2.60M	$1.90M
Stock-Based Compensation	$581.00K	$513.00K	$626.00K	$1.89M
Investing Cash Flow	-$148.03M	-$114.87M	-$18.05M	-$125.79M
Financing Cash Flow	$149.16M	-$136.98M	$8.91M	$151.83M
Share Repurchases	—	$0.00	-$1.07M	-$11.29M
Net Change in Cash	$51.10M	-$225.58M	$14.71M	$37.15M

PBFS Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$24.41M	$24.02M	$25.05M	$24.61M	—
Selling, General & Admin	$9.28M	$9.27M	$9.30M	$9.43M	—
Pretax Income	$8.14M	$5.61M	$5.33M	$5.71M	—
Income Tax	$1.69M	$1.28M	$1.58M	$416.00K	—
Net Income	$6.45M	$4.33M	$3.74M	$5.29M	—
Diluted EPS	0.26	—	0.15	0.22	0.14
Diluted Shares	24.57M	—	24.29M	24.34M	24.33M

PBFS Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$137.86M	$119.39M	$225.10M	$130.88M	$144.69M
Receivables	$8.38M	$8.70M	$9.24M	$8.89M	$9.51M
Total Assets	$2.07B	$2.10B	$2.24B	$2.15B	$2.22B
Total Liabilities	$1.76B	$1.78B	$1.93B	$1.83B	$1.89B
Retained Earnings	$198.38M	$201.38M	$199.72M	$203.04M	$208.34M
Shareholders' Equity	$310.70M	$314.25M	$314.20M	$323.86M	$328.58M

PBFS Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	-$3.53M	$5.06M	$3.90M	$5.67M	-$161.00K
Capital Expenditure	-$1.36M	-$508.00K	-$227.00K	-$217.00K	-$636.00K
Free Cash Flow	-$4.89M	$4.55M	$3.68M	$5.46M	-$797.00K
Depreciation & Amortisation	$583.00K	$600.00K	$595.00K	$121.00K	$608.00K
Stock-Based Compensation	$499.00K	$500.00K	$446.00K	$449.00K	$539.00K
Investing Cash Flow	-$45.65M	-$43.61M	-$37.11M	$585.00K	-$37.93M
Financing Cash Flow	$92.28M	$20.99M	$139.69M	-$101.14M	$61.35M
Share Repurchases	-$1.57M	-$3.31M	-$6.00M	-$417.00K	$0.00
Net Change in Cash	$43.10M	-$17.56M	$106.48M	-$94.88M	$23.26M

Market Snapshot

About

Pioneer Bancorp, Inc. is the holding company for Pioneer Bank, a community bank serving the Capital Region and Hudson Valley of New York. The bank provides commercial and consumer banking services including business lending, residential mortgages, deposit accounts, and cash management solutions.