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Pioneer Bancorp, Inc./MD

PBFS

$18.23 ▼ -0.55 (-2.93%) at close

10 Visible periods

32 Metrics

Peer-ranked Benchmarks

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Health

Good

Bullish

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Analytical Summary

Pioneer Bancorp, Inc./MD shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $446.1M

Dividend Yield —

Revenue Growth None

Op. Margin 27.5%

ROIC None

FCF / Share None

Trailing P/E 22.0x

Price / Book 1.4x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Nov 5, 2026.

10-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$96.29M

↑ +16.2% —

Net Income Profit after all expenses

$20.29M

↑ +32.9% —

Operating Margin Operating profit as % of sales

27.5%

↑ +17.4% 84th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Returns ↑

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Jun 30, 2024 10-K ↗	FY 2022 Jun 30, 2023 10-K ↗	FY 2021 Jun 30, 2022 10-K ↗	FY 2020 Jun 30, 2021 10-K ↗	FY 2019 Jun 30, 2020 10-K ↗	FY 2018 Jun 30, 2019 10-K ↗	FY 2017 Jun 30, 2018 10-K ↗	FY 2016 Jun 30, 2017 10-K ↗
Revenue Growth YoY (%)	—	—	4.0% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-34%)	41.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+586%)	-1.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-132%)	-10.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-278%)	0.6% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-90%)	14.2% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+137%)	—	—
EPS Growth YoY (%)	—	—	-29.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	112.2% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	925.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-81.0% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—
Net Income Growth YoY (%)	—	—	-30.5% Weak ↓ Weak Declining Year-over-year change in net income	113.5% Excellent ↓ Excellent Declining Year-over-year change in net income	854.4% Excellent ↑ Excellent Improving Year-over-year change in net income	-79.3% Weak ↓ Weak Declining Year-over-year change in net income	-72.7% Weak Weak Year-over-year change in net income	65.4% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	6.5% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	—	12.9% Good ↑ Good Improving Compound annual revenue growth over 3 years	7.3% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	-4.1% Weak Weak Compound annual revenue growth over 3 years	0.9% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	10.8% Good ↑ Good Improving Compound annual revenue growth over 5 years	—	5.3% Fair Fair Compound annual revenue growth over 5 years	7.3% Fair Fair Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-1.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	—	148.0% Excellent Excellent Compound annual EPS growth over 3 years	60.6% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Jun 30, 2024 10-K ↗	FY 2022 Jun 30, 2023 10-K ↗	FY 2021 Jun 30, 2022 10-K ↗	FY 2020 Jun 30, 2021 10-K ↗	FY 2019 Jun 30, 2020 10-K ↗	FY 2018 Jun 30, 2019 10-K ↗	FY 2017 Jun 30, 2018 10-K ↗	FY 2016 Jun 30, 2017 10-K ↗
Operating Margin (%) (%)	27.5% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	—	23.4% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-6%)	35.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+40%)	23.6% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-5%)	4.6% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-82%)	—	—	—	—
Effective Tax Rate (%) (%)	23.4% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	21.4% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.2% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.9% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	59.5% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—
Profit Margin (%) (%)	21.1% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—	18.4% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-16%)	27.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+25%)	18.2% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-17%)	1.9% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-91%)	8.1% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-63%)	29.7% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+35%)	20.5% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-7%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Jun 30, 2024 10-K ↗	FY 2022 Jun 30, 2023 10-K ↗	FY 2021 Jun 30, 2022 10-K ↗	FY 2020 Jun 30, 2021 10-K ↗	FY 2019 Jun 30, 2020 10-K ↗	FY 2018 Jun 30, 2019 10-K ↗	FY 2017 Jun 30, 2018 10-K ↗	FY 2016 Jun 30, 2017 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	—	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	6.3% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-48%)	—	5.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-57%)	8.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-31%)	4.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-65%)	0.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-96%)	2.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-81%)	14.1% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+17%)	9.7% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-19%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Jun 30, 2024 10-K ↗	FY 2022 Jun 30, 2023 10-K ↗	FY 2021 Jun 30, 2022 10-K ↗	FY 2020 Jun 30, 2021 10-K ↗	FY 2019 Jun 30, 2020 10-K ↗	FY 2018 Jun 30, 2019 10-K ↗	FY 2017 Jun 30, 2018 10-K ↗	FY 2016 Jun 30, 2017 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Jun 30, 2024 10-K ↗	FY 2022 Jun 30, 2023 10-K ↗	FY 2021 Jun 30, 2022 10-K ↗	FY 2020 Jun 30, 2021 10-K ↗	FY 2019 Jun 30, 2020 10-K ↗	FY 2018 Jun 30, 2019 10-K ↗	FY 2017 Jun 30, 2018 10-K ↗	FY 2016 Jun 30, 2017 10-K ↗
Revenue per Share (USD)	$3.93	—	$3.29	$3.17	$2.25	$2.30	—	—	—	—
Basic EPS, GAAP (USD)	$0.83	—	$0.61	$0.87	$0.41	$0.04	$0.21	—	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Book Value per Share (USD)	$12.92	$11.72	$11.29	$10.27	$9.34	$9.15	$8.62	—	—	—
Tangible Book Value per Share (USD)	$12.53	$11.30	$10.88	$9.93	$9.00	$8.87	$8.34	—	—	—
Basic Weighted Avg Shares (shares)	24.47M	—	25.19M	25.17M	25.13M	25.07M	—	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Jun 30, 2024 10-K ↗	FY 2022 Jun 30, 2023 10-K ↗	FY 2021 Jun 30, 2022 10-K ↗	FY 2020 Jun 30, 2021 10-K ↗	FY 2019 Jun 30, 2020 10-K ↗	FY 2018 Jun 30, 2019 10-K ↗	FY 2017 Jun 30, 2018 10-K ↗	FY 2016 Jun 30, 2017 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$323.86M	$304.55M	$296.53M	$266.70M	$242.63M	$237.82M	$223.97M	$134.97M	$118.06M	$104.01M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Jun 30, 2024 10-K ↗	FY 2022 Jun 30, 2023 10-K ↗	FY 2021 Jun 30, 2022 10-K ↗	FY 2020 Jun 30, 2021 10-K ↗	FY 2019 Jun 30, 2020 10-K ↗	FY 2018 Jun 30, 2019 10-K ↗	FY 2017 Jun 30, 2018 10-K ↗	FY 2016 Jun 30, 2017 10-K ↗
Sales/Revenue/Turnover (USD)	$96.29M	—	$82.84M	$79.69M	$56.45M	$57.57M	$64.47M	$64.09M	$56.10M	—
Depreciation Expense (USD)	$1.90M	—	$2.10M	$2.30M	$2.40M	$2.50M	$2.54M	$2.46M	$2.37M	—
Net Income, GAAP (USD)	$20.29M	—	$15.26M	$21.95M	$10.28M	$1.08M	$5.20M	$19.02M	$11.50M	—
Operating Cash Flow (USD)	$11.12M	—	$23.85M	$26.27M	$49.97M	$32.65M	$2.02M	$6.13M	$23.00M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Jun 30, 2024 10-K ↗	FY 2022 Jun 30, 2023 10-K ↗	FY 2021 Jun 30, 2022 10-K ↗	FY 2020 Jun 30, 2021 10-K ↗	FY 2019 Jun 30, 2020 10-K ↗	FY 2018 Jun 30, 2019 10-K ↗	FY 2017 Jun 30, 2018 10-K ↗	FY 2016 Jun 30, 2017 10-K ↗
Net Interest Margin (approx.) (%)	3.7%	—	3.5%	3.5%	2.2%	2.3%	3.2%	3.4%	3.4%	—
Efficiency Ratio (%) (%)	68.7%	—	73.3%	65.0%	77.3%	88.3%	80.2%	59.1%	64.7%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 10 years · 37 quarters

Pioneer Bancorp, Inc./MD

Analytical Summary

10-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

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