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Pioneer Bancorp, Inc.

PBFS Financial Banks Regional

Pioneer Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $126.7 million, up 21.0% from fiscal 2024.

Revenue
+17.4%
EPS
−46.2%
Free cash flow
+356.7%

Quarter to September 2026, against a year earlier

18.31 0.07 +0.38%
Market cap
$453.0M
P/E
26.3×
Fwd P/E
24.0×
Dividend yield
—
F-score
n/a
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 0.08
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell 1 — — — — — — — — — — —
Insider Ownership 57.94%

Capital & Financial Ratios $m

Size
Market Cap 452.98
Revenue ttm 134.85
Net income ttm 12.60
Free cash flow ttm 36.96
Net debt Q (160.86)
Valuation
P/E 26.28
Forward P/E 24.00
Price / sales 3.25
Forward P/S Powerpack
Price / FCF 12.07
Price / book 1.36
Financial health
Current ratio Q 0.00
Debt / equity Q 0.23
Interest coverage Q —
Growth
Revenue growth Q +17.36% (above 0%: growing)
Operating income growth Q −41.19% (below 0%: shrinking)
EPS, this year —
EPS, next year A —
Revenue, next year A −0.96% (below 0%: weak)
EPS, past 5 yrs —
EPS, next 5 yrs A —

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 79.27%
10-year low 10-year high
P/S against its own 10 years 55.74%
10-year low 10-year high
P/B against its own 10 years 92.33%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 150 165 134 236
Receivables — — — —
Inventory — — — —
Other — — — —
1,302 1,517 1,789 —
2023 2024 2025 Q'26
Payables 1,542 1,550 1,739 2,131
ST’ Debt — — — —
Other — — — —
1,542 1,550 1,739 2,131

Compound Annual Growth %

10y 5y 3y
Sales 10.07% 12.85% 29.81%
Cash Flow — 40.58% (39.41%)
Earnings 13.67% 31.30% 25.44%
Book Value 12.03% 6.37% 6.69%

EPS $

Sep Dec Mar Jun Year
’26 — — 0.22 0.14 —
’25 0.25 0.16 0.23 0.26 0.87
’24 0.14 0.13 0.19 0.16 0.61
’23 0.21 0.25 0.24 0.18 0.87
’22 0.05 0.25 0.01 0.09 0.41
’21 0.06 0.08 0.05 (0.14) 0.04
’20 (0.04) 0.15 0.03 0.53 0.21
Fiscal quarters ending in the months shown.

Revenue $m

Sep Dec Mar Jun Year
’26 — — 32 37 —
’25 28 33 30 32 127
’24 24 26 27 27 105
’23 19 22 22 22 85
’22 14 15 14 15 58
’21 15 16 15 14 60
’20 19 19 16 15 69
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Sep Dec Mar Jun Year
’26 17 — 0 15 —
’25 2 6 (4) 5 11
’24 12 (1) 3 9 24
’23 8 2 13 14 26
’22 6 0 29 21 50
’21 (2) 8 27 5 33
’20 (1) 12 (7) 9 2
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Sep Dec Mar Jun Year
’26 17 — (1) 14 —
’25 2 6 (5) 5 9
’24 12 (1) 3 9 23
’23 8 2 13 13 26
’22 6 0 29 21 50
’21 (2) 8 27 5 32
’20 (1) 11 (9) 9 0
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 49 49 59 69 69 60 58 85 105 127 135 +11.3% — — — —
Gross margin, % 95.03 95.03 94.63 93.47 93.16 96.46 97.47 93.55 79.16 76.01 75.63 (19.0) pt
EBT 8 18 18 8 6 3 13 28 19 26 16 +13.7%
EBT margin, % 17.20 0.00 30.04 11.73 8.66 4.46 23.03 32.70 18.55 20.91 0.00 +3.7 pt
Net income 0 0 11 7 5 1 10 22 0 20 13 n/m
Per share, $
Per share, $ Revenue 0.00 1.87 2.28 0.00 2.77 2.38 2.30 3.38 4.15 5.18 0.00 n/m
Earnings — 0.22 0.44 0.73 0.21 0.04 0.41 0.87 0.61 0.79 0.70 +17.4%
Cash flow — 0.46 0.89 0.00 0.08 1.30 1.99 1.04 0.95 0.45 1.54 (0.1%)
Capex — 0.00 (0.31) 0.00 (0.06) (0.02) 0.02 (0.02) (0.03) (0.07) 0.00 n/m
Free cash flow — 0.00 0.58 0.00 0.02 1.29 2.00 1.03 0.91 0.39 1.54 n/m
Book value 0.00 0.00 4.54 0.00 8.95 9.49 9.65 10.60 0.00 13.23 13.49 n/m
Shares, m — 26 26 0 25 25 25 25 25 24 24 (0.7%)
Valuation, ×
Valuation, × P/E 15.69 15.69 15.69 15.69 13.64 240.40 24.50 10.17 16.76 16.31 26.28 38.5
P/S 0.00 0.00 0.00 0.00 3.31 5.05 4.25 2.64 2.50 2.60 3.25 2.0
P/B 0.00 0.00 0.00 0.00 1.02 1.27 1.02 0.84 0.88 1.02 1.36 0.6
EV/Sales (3.28) (3.28) (3.28) (3.28) 1.33 (0.06) (1.90) 0.94 0.98 1.94 — (1.0)
EV/FCF 60.94 60.94 60.94 60.94 8.78 (0.10) (1.96) 2.21 4.45 26.03 — 28.3
Cash, $m
Cash, $m Operating cash flow — 12 23 6 2 33 50 26 24 11 37 (0.8%)
Capex — 0 (8) (2) (2) 0 0 0 (1) (2) (1) n/m
Free cash flow — 0 15 4 0 32 50 26 23 9 37 n/m
Balance, $m
Balance, $m Working capital 976 (1,010) (40) (59) 39 (120) (317) (240) (47) 50 (2,131) (28.2%)
Net debt (35) 5 (120) (230) (157) (325) (376) (145) (57) (84) (161) +10.1%
Shareholders’ equity 104 (10) 118 123 224 238 243 267 305 324 323 +13.5%
Returns, %
Returns, % ROA 0.50 1.88 0.95 0.53 0.35 0.06 0.55 1.15 0.00 0.98 0.52 +0.5 pt
ROIC 7.59 0.00 0.00 0.00 5.59 0.00 0.00 14.36 0.00 7.41 0.00 (0.2) pt
ROE 5.47 24.38 21.22 6.06 2.99 0.47 4.28 8.62 0.00 6.46 3.95 +1.0 pt
People
People Employees — — 267 278 267 262 278 279 289 269 — +0.1%
Revenue/emp, $m 0.00 0.00 0.22 0.25 0.26 0.23 0.21 0.31 0.36 0.47 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 6 Nov 2026

Pioneer Bancorp, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
PBAM Private Bancorp of America, Inc. $482.0M 10.8× 10.1× +1.51% (above 0%: growing) +27.22% (above 0%: growing) +7,335.44% (above 0%: growing) 77.85% 0.00% Compare
HBCP Home Bancorp, Inc. $478.0M 10.6× 10.7× +1.86% (above 0%: growing) −19.05% (below 0%: shrinking) +17.52% (above 0%: growing) 74.37% 0.00% Compare
BMRC Bank of Marin Bancorp $463.9M — (loss-making) 11.9× +10.24% (above 0%: growing) +31.91% (above 0%: growing) +32.70% (above 0%: growing) 0.00% 0.00% Compare
PBFS Pioneer Bancorp, Inc. $453.0M 26.3× 24.0× +17.36% (above 0%: growing) −46.15% (below 0%: shrinking) +356.69% (above 0%: growing) 75.84% 0.00%
AVBC Avidia Bancorp, Inc. $451.5M 23.7× 15.4× +5.48% (above 0%: growing) — +391.37% (above 0%: growing) 76.31% 0.00% Compare
CBK Commercial Bancgroup, Inc. $447.5M 11.0× 10.9× +4.55% (above 0%: growing) +3.01% (above 0%: growing) +28.43% (above 0%: growing) 73.79% 0.00% Compare
PLBC Plumas Bancorp $435.6M 10.4× 10.7× +5.59% (above 0%: growing) +121.26% (above 0%: growing) +204.74% (above 0%: growing) 86.67% 0.00% Compare
SUPV Grupo Supervielle S.A. $433.5M — (loss-making) — −1.93% (below 0%: shrinking) −28.57% (below 0%: shrinking) −129.06% (below 0%: shrinking) 64.28% 0.00% Compare
RBB RBB Bancorp $432.5M 9.9× 10.1× +6.14% (above 0%: growing) +27.12% (above 0%: growing) −154.05% (below 0%: shrinking) 57.23% 0.00% Compare
Median of peers $449.5M 10.7× 10.7× +5.02% +27.12% +30.57% 74.08% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 7 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 1.09m 1.39m 138.00
2024 668.01k 1.02m 118.00
2023 1.03m 1.03m 91.00

Ownership

Directors and executive officers, together 2.80%
Pioneer Bancorp, MHC 57.00%
M3 Funds, LLC 7.50%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Pioneer Bancorp, Inc. (PBFS) Latest News

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stockrow.com/PBFS · Data as of Nov 6, 2026 · For information only; not investment advice. · © 2026 stockrow.com