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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. 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.

17.58 0.15 −0.85%
Market cap
$440.5M
P/E
25.2×
Fwd P/E
24.0×
Dividend yield
—
F-score
n/a
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 0.08
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell — 1 — — — — — — — — — —
Insider Ownership 58.06%

Capital & Financial Ratios $m

Market Cap 440.45
Revenue 134.85
Net Income 16.85
Free Cash Flow 23.47
Net Debt (94.57)
Current Ratio 1.00
Debt/Equity 0.00
P/E ratio 25.24
Fwd P/E 24.00
P/S ratio 3.13
P/B ratio 1.29
Past 5Y EPS Growth —
This Y EPS Growth —
Next Y EPS Growth —
Next Y revenue growth (0.96%) (below 0%: weak)
Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 77.51%
10-year low 10-year high
P/S against its own 10 years 50.34%
10-year low 10-year high
P/B against its own 10 years 84.14%
10-year low 10-year high

Dividends

Payout Ratio —
Annual Dividend Rate —
Annual Dividend Yield —
total individual payouts
2021 Powerpack
2020 Powerpack
2019 Powerpack
2018 Powerpack
2017 Powerpack
special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 150 165 134 95
Receivables — — — —
Inventory — — — —
Other — — — —
1,302 1,517 1,789 1,975
2023 2024 2025 Q'26
Payables 1,542 1,550 1,739 1,969
ST’ Debt — — — —
Other — — — —
1,542 1,550 1,739 1,969

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%

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 — — 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 — — (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.

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.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low — — — 12.12 8.02 10.22 9.13 7.81 8.76 10.60

Analyst estimates 2026–2028

Powerpack
High — — — 15.35 15.33 13.98 11.97 11.88 12.00 14.94
People
People Employees — — 267 278 267 262 278 279 289 269
Revenue/emp, $m 0.00 0.00 0.22 0.25 0.26 0.23 0.21 0.31 0.36 0.47
Income, $m
Income, $m Revenue 49 49 59 69 69 60 58 85 105 127
Gross margin, % 95.03 95.03 94.63 93.47 93.16 96.46 97.47 93.55 79.16 76.01
EBT 8 18 18 8 6 3 13 28 19 26
EBT margin, % 17.20 0.00 30.04 11.73 8.66 4.46 23.03 32.70 18.55 20.91
Net income 0 0 11 7 5 1 10 22 0 20
Depreciation — 0 3 2 3 4 4 3 1 (3)
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
Earnings — 0.22 0.44 0.73 0.21 0.04 0.41 0.87 0.61 0.79
Cash flow — 0.46 0.89 0.00 0.08 1.30 1.99 1.04 0.95 0.45
Capex — 0.00 (0.31) 0.00 (0.06) (0.02) 0.02 (0.02) (0.03) (0.07)
Free cash flow — 0.00 0.58 0.00 0.02 1.29 2.00 1.03 0.91 0.39
Book value 0.00 0.00 4.54 0.00 8.95 9.49 9.65 10.60 0.00 13.23
Shares, m — 26 26 0 25 25 25 25 25 24
Valuation, ×
Valuation, × P/E 15.69 15.69 15.69 15.69 13.64 240.40 24.50 10.17 16.76 16.31
P/S 0.00 0.00 0.00 0.00 3.31 5.05 4.25 2.64 2.50 2.60
P/B 0.00 0.00 0.00 0.00 1.02 1.27 1.02 0.84 0.88 1.02
EV/Sales (3.28) (3.28) (3.28) (3.28) 1.33 (0.06) (1.90) 0.94 0.98 1.94
EV/FCF 60.94 60.94 60.94 60.94 8.78 (0.10) (1.96) 2.21 4.45 26.03
Cash, $m
Cash, $m Operating cash flow — 12 23 6 2 33 50 26 24 11
Capex — 0 (8) (2) (2) 0 0 0 (1) (2)
Free cash flow — 0 15 4 0 32 50 26 23 9
Balance, $m
Balance, $m Working capital 976 (1,010) (40) (59) 39 (120) (317) (240) (47) 50
Total debt 5 5 — — — — — 5 40 50
Net debt (35) 5 (120) (230) (157) (325) (376) (145) (57) (84)
Shareholders’ equity 104 (10) 118 123 224 238 243 267 305 324
Returns, %
Returns, % ROA 0.50 1.88 1.67 0.53 0.35 0.06 0.55 1.15 0.00 0.98
ROIC 7.59 0.00 0.00 0.00 5.59 0.00 0.00 14.36 0.00 7.41
ROE 5.47 24.38 21.22 6.06 2.99 0.47 4.28 8.62 0.00 6.46
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
CZNC Citizens & Northern Corp $454.8M 17.3× 10.8× +26.53% (above 0%: growing) +97.50% (above 0%: growing) +90.26% (above 0%: growing) 76.74% 0.00% Compare
PBFS Pioneer Bancorp, Inc. $440.5M 25.2× 24.0× +17.36% (above 0%: growing) −46.15% (below 0%: shrinking) +217.72% (above 0%: growing) 75.84% 0.00%
FRBA First Bank $438.9M 10.3× 10.2× −3.96% (below 0%: shrinking) +7.32% (above 0%: growing) −48.72% (below 0%: shrinking) 62.19% 0.00% Compare
AVBC Avidia Bancorp, Inc. $436.0M 23.1× 14.7× +5.48% (above 0%: growing) — +391.37% (above 0%: growing) 76.31% 0.00% Compare
RBB RBB Bancorp $435.8M 10.5× 10.3× −4.00% (below 0%: shrinking) +13.21% (above 0%: growing) +4.05% (above 0%: growing) 55.01% 0.00% Compare
PLBC Plumas Bancorp $431.8M 12.1× 9.7× +44.00% (above 0%: growing) +33.64% (above 0%: growing) +446.81% (above 0%: growing) 86.85% 0.00% Compare
CBK Commercial Bancgroup, Inc. $431.5M 10.8× 10.3× −0.84% (below 0%: shrinking) +3.15% (above 0%: growing) +28.43% (above 0%: growing) 73.67% 0.00% Compare
BMRC Bank of Marin Bancorp $427.4M — (loss-making) 11.9× +120.20% (above 0%: growing) n/m +67.51% (above 0%: growing) 74.60% 0.00% Compare
CBAN Colony Bankcorp, Inc. $425.1M 12.0× 10.7× +23.45% (above 0%: growing) +10.87% (above 0%: growing) −48.88% (below 0%: shrinking) 72.54% 0.00% Compare
Median of peers $433.8M 12.0× 10.5× +14.47% +12.04% +47.97% 74.14% 0.00%

All 323 Banks Regional stocks →

Pioneer Bancorp, Inc. (PBFS) key facts

  • Strength: Pioneer Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $126.7 million, up 21.0% from fiscal 2024.
  • Pioneer Bancorp, Inc. (PBFS) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, PBFS traded at $17.58, a market capitalization of $440.5 million.
  • Return on equity was 6.46% and debt-to-equity 0.00.

Source: company filings (standardised) and stockrow calculations.

Pioneer Bancorp, Inc. (PBFS) Latest News

24 Apr

Impact 4 ·

13 Jan

Impact 4 ·

14 Oct

Impact 4 ·

10 Sep

Impact 4 ·

6 Aug

Impact 4 ·

10 Jul

Impact 4 ·

14 Mar

Impact 4 ·

1 Feb

Impact 4 ·

1 Nov

Impact 4 ·
stockrow.com/PBFS · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com