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. In the quarter to June 2026, revenue grew 17.4%, EPS fell 46.2% and free cash flow grew 217.7%, each against the same quarter a year earlier. Revenue growth for three consecutive years.
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Pioneer Bancorp, Inc. (PBFS) Dividend Safety Score
Pioneer Bancorp, Inc.'s Dividend Safety Score for fiscal 2025 cannot be worked out: does not pay a regular dividend.
Dividend Safety Score, annual
Annual newest first
| Period | Dividend Safety Score | Change (points) |
|---|
How fiscal 2025’s score is made up
| Component | This year | Year before | Result | Points |
|---|---|---|---|---|
| Payout of earnings | 0.00% | — | Pass | 25 |
| Payout of free cash flow | 0.00% | — | Pass | 25 |
| Net debt / EBITDA net cash | — | — | Pass | 20 |
| Years without a dividend cut | 0 | — | Fail | 0 |
| Years of falling or negative earnings over the last 8 fiscal years | 3 | — | Fail | 0 |
| Dividend Safety Score | n/a — does not pay a regular dividend | — | ||
How the stockrow Dividend Safety Score works
Our own composite, out of 100, for the latest fiscal year: up to 25 points for how little of its earnings the dividend takes, 25 for how little of its free cash flow, 20 for net debt against EBITDA, 20 for the years it has paid without a cut and 10 for how steady earnings per share have been over ten years. How we calculate it.
| 80–100 | Well covered |
|---|---|
| 60–79 | Adequately covered |
| 40–59 | Stretched |
| below 40 | Weakly covered |
Not worked out for a company that pays no regular dividend, for banks and REITs, whose payouts and leverage these measures do not describe, or with fewer than five years of earnings.
Dividend Safety Score against peers
| Company | Dividend Safety Score |
|---|---|
| CZNC Citizens & Northern Corp compare | — |
| PLBC Plumas Bancorp compare | — |
| CBAN Colony Bankcorp, Inc. compare | — |
| FRBA First Bank compare | — |
| AVBC Avidia Bancorp, Inc. compare | — |
| BMRC Bank of Marin Bancorp compare | — |
| RBB RBB Bancorp compare | — |
| CBK Commercial Bancgroup, Inc. compare | — |
| PBFS Pioneer Bancorp, Inc. | — |
What Dividend Safety Score is
The stockrow Dividend Safety Score rates how well earnings and free cash flow cover the dividend, with leverage, the dividend’s record and stable earnings.
Up to 25 points for the payout of earnings, 25 for the payout of free cash flow, 20 for net debt ÷ EBITDA, 20 for the years without a dividend cut and 10 for stable earnings