Pioneer Bancorp, Inc.: stock overview

PBFSNASDAQFinancial services · Savings Institutions, Not Federally CharteredBank

Price

$18.33

November 13, 2026Market cap $460M

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  • The full history: 8 fiscal years, from FY2018
  • The estimated fair value, with its range and its certainty
  • The full analysis, 18 a month
  • More questions to the chat on its filings
  • Excel with every year
  • An email when it reports, changes its dividend or an officer buys

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In short

Pioneer Bancorp had revenue of $107M over the last 12 months and net income of $13M, a net margin of 11.8%. Revenue grew by 8.4% a year on average over the last 5 years. At $18.33 the shares trade at a P/E of 36.5, against a median of 16.3 over the last 4 fiscal years. It pays no dividend.

From its SEC filings (latest fiscal year to December 31, 2025) and the price of November 13, 2026.

Its SEC filings
Market cap
$460M
25.08M shares
P/E
36.5
Today36.5
Median16.3
Revenue, 12 months
$107M
+8.4% a year over 5 years
Net margin
11.8%
2025: 21.1%, above 29% of its industry

Worth knowing

What a holder would want to hear from the company's SEC filings of the last three years. Each with its filing, without comment.

3 fiscal years in figures

Each fiscal year's figures as the company filed them, and the share price at its end.

FY2023–2025 fiscal years

+9.9% a year over 2 years

  • 202510-K
    Revenue$96M
  • FY2024Jun 30, 202410-K
    Revenue$83M
  • FY2023Jun 30, 202310-K
    Revenue$80M

Fiscal years in figures

PBFS's revenue, profit, cash flow and dividend with each year-end price, from FY2018 to FY2022, 5 more fiscal years

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Key figures

The company's current figures in five groups. Each term is explained behind its ⓘ.

Valuation

Market cap 
$460M
P/E 3-year median: 16.2
36.5
P/B 
1.4
Earnings yield 3-year median: 6.2%
2.7%

Profitability

Net margin 3-year median: 21.1%
11.8%
ROE 
3.9%

Growth

Revenue, yearly change 
+16.2%
EPS, yearly change 
+36.1%
Revenue, average a year 
+8.4%
EPS, average a year 
+31.6%

The yearly change compares FY2025 with FY2024.

Returns to shareholders

Dividend yield 
0.00%
Buybacks 
2.46%
Total returned 
2.46%
Shares, yearly change 
-1.8%
Valuation against its own pastEach fiscal year's P/E and P/B beside today's, and the calculator for the bank.Valuation

Against its industry

Where its margins and returns stood in fiscal 2025 among the SEC filers of its industry (SIC code 60).

Net margin

21.1%

Above 29% of the 317 companies in its industry, and 83% of all.

ROE

6.3%

Above 24% of the 316 companies in its industry, and 47% of all.

ROA

0.9%

Above 44% of the 316 companies in its industry, and 43% of all.

Revenue growth

16.2%

Above 68% of the 313 companies in its industry, and 75% of all.

From the yearly figures every company files with the SEC, for those with revenue of at least $25 million. The industry is the first two digits of the SIC code.

The company at the SEC

How it is registered and when its fiscal year ends.

Name at the SEC
Pioneer Bancorp, Inc./MD
CIK
1769663
Exchange
NASDAQ
Industry (SIC)
6036 · Savings Institutions, Not Federally Chartered
Fiscal year ends
December 31
Latest annual report
December 31, 2025
Reporting currency
USD
Shares
25.08M

Other companies: Financial services

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The full analysis

What do Pioneer Bancorp's filings show?

These are Pioneer Bancorp's figures. The full Ploutos AI analysis reads everything the company has filed and shows what stands behind it, with a source for every figure.

  • A fair value range built from the filings
  • Earnings quality, debt and red flags
  • Insider and institutional moves
  • The case for and the case against

Questions about PBFS

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What is PBFS's market cap?

Pioneer Bancorp, Inc.'s market cap is $460M, at a price of $18.33 on November 13, 2026 and 25.08M shares.

What is PBFS's P/E?

PBFS's P/E is 36.5, on earnings per share of $0.52 over the last 12 months. The median over the last 4 fiscal years was 16.3.

How much revenue does PBFS have?

Pioneer Bancorp had revenue of $107M over the last 12 months. Over the last 5 years it changed by +8.4% a year on average.

Does PBFS pay a dividend?

No. Pioneer Bancorp paid no regular dividend over the last 12 months.

Where do the figures come from?

From Pioneer Bancorp, Inc.'s SEC filings (10-K and 10-Q) and the share price. They hold no analyst estimates and no score, and they are not a recommendation.

Related pages

The other pages on US stocks, free to read. On the company pages, the last three fiscal years are open to everyone, five with a free account, and every year with Ploutos Investor.

US stocksThe market today, the sectors, the largest companies and the week's results.The market's sectorsThe 11 sectors side by side: returns, share of the market, median P/E and dividend.Compare stocksTwo companies side by side: price over up to ten years, with and without dividends, and every figure.US dividend stocksEach dividend's yield next to whether the company's cash covers it and whether it was ever cut.

The figures come from the company's SEC filings and the share price, and describe what it has reported. They are not a score or a fair value.