PBFS - Pioneer Bancorp, Inc./MD

📈 Is growth accelerating? 7 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Jun 30, 2024 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Dec 31, 2023 10-Q ↗	Q1 FY2023 Sep 30, 2023 10-Q ↗	Q4 FY2022 Jun 30, 2023 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Dec 31, 2022 10-Q ↗	Q1 FY2022 Sep 30, 2022 10-Q ↗	Q4 FY2021 Jun 30, 2022 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Dec 31, 2021 10-Q ↗	Q1 FY2021 Sep 30, 2021 10-Q ↗	Q4 FY2020 Jun 30, 2021 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Sep 30, 2020 10-Q ↗	Q1 FY2020 Sep 30, 2020 10-Q ↗	Q4 FY2019 Jun 30, 2020 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Dec 31, 2019 10-Q ↗	Q1 FY2019 Sep 30, 2019 10-Q ↗	Q4 FY2018 Jun 30, 2019 10-K ↗	Q3 FY2018 Mar 31, 2018 10-Q ↗	Q2 FY2018 Dec 31, 2018 10-Q ↗	Q1 FY2018 Sep 30, 2018 10-Q ↗	Q4 FY2017 Jun 30, 2018 10-K ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q4 FY2016 Jun 30, 2017 10-K ↗
Revenue Growth YoY (%)	7.9% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+31%)	—	9.1% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+52%)	16.9% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+182%)	5.8% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	—	6.0% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	-0.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-103%)	10.8% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+80%)	—	53.6% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+793%)	-0.7% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-112%)	5.3% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-11%)	—	-7.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-222%)	46.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+667%)	37.5% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+526%)	—	-0.9% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-115%)	—	-3.2% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-153%)	—	-10.4% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-274%)	—	-19.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-424%)	—	16.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+170%)	17.7% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+195%)	11.2% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+86%)	—	—	—	—	—	—	—
EPS Growth YoY (%)	-4.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	—	-28.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	62.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	21.1% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	—	4.2% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	23.1% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	35.7% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	N/M	2300.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-48.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-33.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	143.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-80.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	320.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	66.7% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	-16.7% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—	—	N/M	—	—	—	—	—	—	—	—	—	—	—
Net Income Growth YoY (%)	-8.2% Weak ↓ Weak Declining Year-over-year change in net income	—	22.1% Good → Good Stable Year-over-year change in net income	22.1% Good ↑ Good Improving Year-over-year change in net income	22.1% Good ↑ Good Improving Year-over-year change in net income	—	-21.7% Weak ↓ Weak Declining Year-over-year change in net income	38.0% Excellent ↓ Excellent Declining Year-over-year change in net income	38.0% Excellent ↓ Excellent Declining Year-over-year change in net income	N/M	1894.7% Excellent ↑ Excellent Improving Year-over-year change in net income	-34.7% Weak ↓ Weak Declining Year-over-year change in net income	-34.7% Weak ↓ Weak Declining Year-over-year change in net income	148.4% Excellent ↓ Excellent Declining Year-over-year change in net income	-84.1% Weak ↓ Weak Declining Year-over-year change in net income	285.7% Excellent ↑ Excellent Improving Year-over-year change in net income	285.7% Excellent ↑ Excellent Improving Year-over-year change in net income	N/M	123.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-2.7% Weak ↑ Weak Improving Year-over-year change in net income	-2.7% Weak ↑ Weak Improving Year-over-year change in net income	70.0% Excellent Excellent Year-over-year change in net income	-82.2% Weak Weak Year-over-year change in net income	N/M	N/M	N/M	39.9% Excellent Excellent Year-over-year change in net income	N/M	N/M	—	—	—	—	—	—	—
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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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 (%)	8.1% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	—	21.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	5.0% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	7.3% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	—	14.7% Good → Good Stable Compound annual revenue growth over 3 years	13.1% Good ↓ Good Declining Compound annual revenue growth over 3 years	17.1% Excellent Excellent Compound annual revenue growth over 3 years	—	12.2% Good Good Compound annual revenue growth over 3 years	—	11.9% Good ↑ Good Improving Compound annual revenue growth over 3 years	—	-6.3% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	5.3% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	2.4% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	—	1.0% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-2.0% Weak Weak Compound annual revenue growth over 3 years	-4.6% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Revenue CAGR 5Y (%)	12.9% Excellent Excellent Compound annual revenue growth over 5 years	—	10.3% Good Good Compound annual revenue growth over 5 years	—	10.4% Good ↑ Good Improving Compound annual revenue growth over 5 years	—	6.0% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	2.9% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	4.6% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	—	8.0% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	6.4% Fair Fair Compound annual revenue growth over 5 years	4.7% Fair Fair Compound annual revenue growth over 5 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS CAGR 3Y (%)	16.3% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	-34.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	162.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	1.3% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	3.1% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	—	71.0% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-13.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	56.0% Excellent Excellent Compound annual EPS growth over 3 years	—	100.0% Excellent Excellent Compound annual EPS growth over 3 years	—	32.6% Excellent Excellent Compound annual EPS growth over 3 years	—	—	18.6% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Jun 30, 2024 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Dec 31, 2023 10-Q ↗	Q1 FY2023 Sep 30, 2023 10-Q ↗	Q4 FY2022 Jun 30, 2023 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Dec 31, 2022 10-Q ↗	Q1 FY2022 Sep 30, 2022 10-Q ↗	Q4 FY2021 Jun 30, 2022 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Dec 31, 2021 10-Q ↗	Q1 FY2021 Sep 30, 2021 10-Q ↗	Q4 FY2020 Jun 30, 2021 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Sep 30, 2020 10-Q ↗	Q1 FY2020 Sep 30, 2020 10-Q ↗	Q4 FY2019 Jun 30, 2020 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Dec 31, 2019 10-Q ↗	Q1 FY2019 Sep 30, 2019 10-Q ↗	Q4 FY2018 Jun 30, 2019 10-K ↗	Q3 FY2018 Mar 31, 2018 10-Q ↗	Q2 FY2018 Dec 31, 2018 10-Q ↗	Q1 FY2018 Sep 30, 2018 10-Q ↗	Q4 FY2017 Jun 30, 2018 10-K ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q4 FY2016 Jun 30, 2017 10-K ↗
Operating Margin (%) (%)	23.2% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-7%)	—	23.4% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-7%)	33.3% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+33%)	32.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+30%)	—	37.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+49%)	24.1% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	28.1% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+12%)	—	36.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+48%)	19.2% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-23%)	22.1% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-11%)	—	3.4% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-87%)	37.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+51%)	35.1% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+41%)	—	11.2% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-55%)	55.8% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+123%)	13.2% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-47%)	—	—	—	12.2% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-51%)	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	7.3% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.7% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.8% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.7% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.3% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	23.0% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.9% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.1% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.0% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.4% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.5% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.7% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.1% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	33.8% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.5% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.4% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.2% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.1% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.4% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.4% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	17.9% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	21.5% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—	24.0% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+9%)	23.6% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	25.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+15%)	—	21.4% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	22.6% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	21.9% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—	29.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+32%)	16.3% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-26%)	17.6% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-20%)	—	2.2% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-90%)	24.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+13%)	28.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+29%)	—	13.0% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-41%)	9.4% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-57%)	10.1% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-54%)	—	5.8% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-74%)	—	10.0% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-54%)	—	29.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+32%)	-5.4% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-125%)	-73.6% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-435%)	—	24.2% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	28.9% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+32%)	28.7% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+30%)	—	—	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Jun 30, 2024 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Dec 31, 2023 10-Q ↗	Q1 FY2023 Sep 30, 2023 10-Q ↗	Q4 FY2022 Jun 30, 2023 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Dec 31, 2022 10-Q ↗	Q1 FY2022 Sep 30, 2022 10-Q ↗	Q4 FY2021 Jun 30, 2022 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Dec 31, 2021 10-Q ↗	Q1 FY2021 Sep 30, 2021 10-Q ↗	Q4 FY2020 Jun 30, 2021 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Sep 30, 2020 10-Q ↗	Q1 FY2020 Sep 30, 2020 10-Q ↗	Q4 FY2019 Jun 30, 2020 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Dec 31, 2019 10-Q ↗	Q1 FY2019 Sep 30, 2019 10-Q ↗	Q4 FY2018 Jun 30, 2019 10-K ↗	Q3 FY2018 Mar 31, 2018 10-Q ↗	Q2 FY2018 Dec 31, 2018 10-Q ↗	Q1 FY2018 Sep 30, 2018 10-Q ↗	Q4 FY2017 Jun 30, 2018 10-K ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q4 FY2016 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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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 (%) (%)	0.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	—	—	—	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	0.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	-0.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	0.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	-0.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	0.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	—	—	—
Return on Common Equity (%) (%)	1.6% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-87%)	1.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-90%)	1.8% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-85%)	1.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-85%)	1.9% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-85%)	—	1.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-87%)	1.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-87%)	1.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-86%)	-0.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-106%)	2.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-82%)	1.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-89%)	—	5.3% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-56%)	0.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-99%)	2.2% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-82%)	—	2.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-81%)	0.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-93%)	0.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-95%)	—	-1.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-109%)	0.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-97%)	0.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-95%)	—	-3.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-133%)	2.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-82%)	-0.8% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-107%)	—	8.6% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-28%)	—	3.8% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-69%)	—	—	—	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Jun 30, 2024 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Dec 31, 2023 10-Q ↗	Q1 FY2023 Sep 30, 2023 10-Q ↗	Q4 FY2022 Jun 30, 2023 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Dec 31, 2022 10-Q ↗	Q1 FY2022 Sep 30, 2022 10-Q ↗	Q4 FY2021 Jun 30, 2022 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Dec 31, 2021 10-Q ↗	Q1 FY2021 Sep 30, 2021 10-Q ↗	Q4 FY2020 Jun 30, 2021 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Sep 30, 2020 10-Q ↗	Q1 FY2020 Sep 30, 2020 10-Q ↗	Q4 FY2019 Jun 30, 2020 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Dec 31, 2019 10-Q ↗	Q1 FY2019 Sep 30, 2019 10-Q ↗	Q4 FY2018 Jun 30, 2019 10-K ↗	Q3 FY2018 Mar 31, 2018 10-Q ↗	Q2 FY2018 Dec 31, 2018 10-Q ↗	Q1 FY2018 Sep 30, 2018 10-Q ↗	Q4 FY2017 Jun 30, 2018 10-K ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q4 FY2016 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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Jun 30, 2024 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Dec 31, 2023 10-Q ↗	Q1 FY2023 Sep 30, 2023 10-Q ↗	Q4 FY2022 Jun 30, 2023 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Dec 31, 2022 10-Q ↗	Q1 FY2022 Sep 30, 2022 10-Q ↗	Q4 FY2021 Jun 30, 2022 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Dec 31, 2021 10-Q ↗	Q1 FY2021 Sep 30, 2021 10-Q ↗	Q4 FY2020 Jun 30, 2021 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Sep 30, 2020 10-Q ↗	Q1 FY2020 Sep 30, 2020 10-Q ↗	Q4 FY2019 Jun 30, 2020 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Dec 31, 2019 10-Q ↗	Q1 FY2019 Sep 30, 2019 10-Q ↗	Q4 FY2018 Jun 30, 2019 10-K ↗	Q3 FY2018 Mar 31, 2018 10-Q ↗	Q2 FY2018 Dec 31, 2018 10-Q ↗	Q1 FY2018 Sep 30, 2018 10-Q ↗	Q4 FY2017 Jun 30, 2018 10-K ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q4 FY2016 Jun 30, 2017 10-K ↗
Revenue per Share (USD)	$1.02	—	$0.98	$1.00	$0.92	—	$0.88	$0.83	$0.86	—	$0.83	$0.83	$0.77	—	$0.54	$0.84	$0.73	—	$0.58	$0.58	$0.54	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Basic EPS, GAAP (USD)	$0.22	$0.16	$0.18	$0.26	$0.23	—	$0.25	$0.16	$0.19	$-0.08	$0.24	$0.13	$0.14	$0.56	$0.01	$0.25	$0.21	$0.23	$0.05	$0.25	$0.05	$-0.11	$0.03	—	$0.06	—	—	$0.15	$-0.51	—	—	—	—	—	—	—
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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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)	$13.10	$12.92	$12.53	$12.30	$12.02	$11.72	$12.11	$11.78	$11.46	—	$10.80	$10.27	—	$10.27	$9.62	$9.64	—	$9.34	$9.54	$9.47	—	$9.15	—	$8.62	—	$8.62	—	—	—	—	—	—	—	—	—	—
Tangible Book Value per Share (USD)	$12.72	$12.53	$12.09	$11.87	$11.60	$11.30	$12.11	$11.78	$11.46	—	$10.80	$9.93	—	$9.93	$9.62	$9.64	—	$9.00	$9.54	$9.47	—	$8.87	—	$8.34	—	$8.34	—	—	—	—	—	—	—	—	—	—
Basic Weighted Avg Shares (shares)	24.10M	—	24.47M	24.51M	24.81M	—	25.08M	25.18M	25.22M	—	25.17M	25.21M	25.19M	—	25.12M	25.16M	25.14M	—	25.07M	25.11M	25.09M	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Jun 30, 2024 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Dec 31, 2023 10-Q ↗	Q1 FY2023 Sep 30, 2023 10-Q ↗	Q4 FY2022 Jun 30, 2023 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Dec 31, 2022 10-Q ↗	Q1 FY2022 Sep 30, 2022 10-Q ↗	Q4 FY2021 Jun 30, 2022 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Dec 31, 2021 10-Q ↗	Q1 FY2021 Sep 30, 2021 10-Q ↗	Q4 FY2020 Jun 30, 2021 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Sep 30, 2020 10-Q ↗	Q1 FY2020 Sep 30, 2020 10-Q ↗	Q4 FY2019 Jun 30, 2020 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Dec 31, 2019 10-Q ↗	Q1 FY2019 Sep 30, 2019 10-Q ↗	Q4 FY2018 Jun 30, 2019 10-K ↗	Q3 FY2018 Mar 31, 2018 10-Q ↗	Q2 FY2018 Dec 31, 2018 10-Q ↗	Q1 FY2018 Sep 30, 2018 10-Q ↗	Q4 FY2017 Jun 30, 2018 10-K ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q4 FY2016 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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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)	$328.58M	$323.86M	$314.20M	$314.25M	$310.70M	$304.55M	$303.80M	$296.53M	$288.96M	$296.53M	$271.77M	$266.70M	—	$266.70M	$241.71M	$242.63M	—	$242.63M	$239.15M	$237.82M	—	$237.82M	$225.40M	$223.97M	—	$223.97M	$223.78M	$123.26M	—	$134.97M	—	$118.06M	—	$118.06M	$104.01M	$104.01M

📋 What is driving earnings? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Jun 30, 2024 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Dec 31, 2023 10-Q ↗	Q1 FY2023 Sep 30, 2023 10-Q ↗	Q4 FY2022 Jun 30, 2023 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Dec 31, 2022 10-Q ↗	Q1 FY2022 Sep 30, 2022 10-Q ↗	Q4 FY2021 Jun 30, 2022 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Dec 31, 2021 10-Q ↗	Q1 FY2021 Sep 30, 2021 10-Q ↗	Q4 FY2020 Jun 30, 2021 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Sep 30, 2020 10-Q ↗	Q1 FY2020 Sep 30, 2020 10-Q ↗	Q4 FY2019 Jun 30, 2020 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Dec 31, 2019 10-Q ↗	Q1 FY2019 Sep 30, 2019 10-Q ↗	Q4 FY2018 Jun 30, 2019 10-K ↗	Q3 FY2018 Mar 31, 2018 10-Q ↗	Q2 FY2018 Dec 31, 2018 10-Q ↗	Q1 FY2018 Sep 30, 2018 10-Q ↗	Q4 FY2017 Jun 30, 2018 10-K ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q4 FY2016 Jun 30, 2017 10-K ↗
Sales/Revenue/Turnover (USD)	$24.61M	—	$24.02M	$24.41M	$22.81M	—	$22.02M	$20.89M	$21.57M	—	$20.77M	$20.93M	$19.46M	—	$13.52M	$21.08M	$18.48M	—	$14.59M	$14.44M	$13.44M	—	$14.72M	—	$13.88M	—	$16.43M	$18.07M	$17.23M	—	$14.14M	$15.35M	$15.50M	—	—	—
Net Income, GAAP (USD)	$5.29M	$3.74M	$5.76M	$5.76M	$5.76M	—	$4.72M	$4.72M	$4.72M	$-2.18M	$6.02M	$3.42M	$3.42M	$14.03M	$302.00K	$5.23M	$5.23M	$5.65M	$1.90M	$1.36M	$1.36M	$-2.65M	$849.00K	$1.39M	$1.39M	$-8.82M	$4.78M	$-977.00K	$-12.68M	$11.65M	$3.42M	$4.44M	$4.44M	—	—	—
Operating Cash Flow (USD)	$-161.00K	$5.67M	$3.90M	$5.06M	$-3.53M	—	$1.91M	$9.04M	$3.31M	$11.13M	$1.22M	$-943.00K	$12.44M	$-2.29M	$18.21M	$2.38M	$7.95M	$22.73M	$21.44M	$-109.00K	$5.90M	$40.06M	—	—	$-2.02M	$-5.90M	$-3.05M	$11.89M	$-915.00K	$-13.83M	$12.19M	$577.00K	$7.19M	—	—	—

🏛️ Sector-Specific 2 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Jun 30, 2024 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Dec 31, 2023 10-Q ↗	Q1 FY2023 Sep 30, 2023 10-Q ↗	Q4 FY2022 Jun 30, 2023 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Dec 31, 2022 10-Q ↗	Q1 FY2022 Sep 30, 2022 10-Q ↗	Q4 FY2021 Jun 30, 2022 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Dec 31, 2021 10-Q ↗	Q1 FY2021 Sep 30, 2021 10-Q ↗	Q4 FY2020 Jun 30, 2021 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Sep 30, 2020 10-Q ↗	Q1 FY2020 Sep 30, 2020 10-Q ↗	Q4 FY2019 Jun 30, 2020 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Dec 31, 2019 10-Q ↗	Q1 FY2019 Sep 30, 2019 10-Q ↗	Q4 FY2018 Jun 30, 2019 10-K ↗	Q3 FY2018 Mar 31, 2018 10-Q ↗	Q2 FY2018 Dec 31, 2018 10-Q ↗	Q1 FY2018 Sep 30, 2018 10-Q ↗	Q4 FY2017 Jun 30, 2018 10-K ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q4 FY2016 Jun 30, 2017 10-K ↗
Net Interest Margin (approx.) (%)	3.7%	3.8%	3.6%	3.7%	3.7%	—	—	—	—	—	—	3.5%	—	7.5%	—	—	—	2.2%	—	—	—	0.9%	—	—	—	3.2%	—	—	—	4.8%	—	—	—	—	—	—
Efficiency Ratio (%) (%)	73.6%	—	73.4%	60.3%	64.0%	—	66.7%	72.3%	71.5%	—	63.1%	75.5%	74.0%	—	96.6%	64.1%	64.2%	—	80.2%	44.2%	85.0%	—	75.5%	—	82.4%	—	58.7%	64.8%	105.8%	—	65.2%	60.2%	59.8%	—	—	—

Pioneer Bancorp, Inc./MD

Analytical Summary

36-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Statement lens

Benchmark Lens

Signals

Percentile Rankings

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