What is Pioneer Bancorp Inc Md's earnings per share (EPS)?

Pioneer Bancorp Inc Md (PBFS) reported diluted earnings per share of $0.83 for fiscal year 2025. This represents a 36.1% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Pioneer Bancorp Inc Md Financials

PBFS

Trailing 12 months to June 30, 2026

Revenue $16.3M YoY not available

Net Income $16.8M YoY not available

EPS (Diluted) $0.70 YoY not available

Free Cash Flow Not reported for the trailing 12 months

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 10, 2026 Currency USD FYE December

Pioneer Bancorp Inc Md (PBFS) reported $16.3M in revenue over the twelve months to Jun 30, 2026. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 8 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI PBFS FY2025 2026-08-29

Liability-funded balance-sheet expansion is occurring while rising earnings convert less cleanly into operating cash.

From FY2024 to FY2025, net income increased from $15.3M to $20.3M, while operating cash flow fell from $23.8M to $11.1M. That earnings-to-cash divergence indicates reported profitability strengthened without a comparable improvement in cash generated by operations, as interest expense also reached $30.4M.

Total assets expanded from $1.90B in FY2024 to $2.15B in FY2025. Debt-to-equity rose from 5.4x to 5.6x, indicating that growth was financed more through liabilities than through internally accumulated equity.

Return on assets improved from 0.8% in FY2024 to 0.9% in FY2025, but remains modest relative to the asset base. Share repurchases rose to $11.3M in FY2025, showing capital was returned even as the balance sheet expanded.

Financial Health Signals

Financial Health Score 54/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Pioneer Bancorp Inc Md's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Growth

Capital

Efficiency

Credit Quality

Stability

Piotroski F-Score Partial

4/6

Pioneer Bancorp Inc Md passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Mixed

0.55x

For every $1 of reported earnings, Pioneer Bancorp Inc Md generates $0.55 in operating cash flow ($11.1M OCF vs $20.3M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

$15.8M

YoY+5.8%

5Y CAGR+4.7%

Pioneer Bancorp Inc Md generated $15.8M in revenue in fiscal year 2025. This represents an increase of 5.8% from the prior year.

Net Income

$20.3M

YoY+32.9%

5Y CAGR+31.3%

Pioneer Bancorp Inc Md reported $20.3M in net income in fiscal year 2025. This represents an increase of 32.9% from the prior year.

EPS (Diluted)

$0.83

YoY+36.1%

5Y CAGR+31.6%

Pioneer Bancorp Inc Md earned $0.83 per diluted share (EPS) in fiscal year 2025. This represents an increase of 36.1% from the prior year.

EBITDA

Not reported for fiscal year 2025.

Cash & Balance Sheet

Cash & Debt

$133.7M

YoY-19.1%

5Y CAGR-3.2%

Pioneer Bancorp Inc Md held $133.7M in cash as of fiscal year 2025; long-term debt is not reported for that period.

Shares Outstanding

25M

YoY-4.2%

5Y CAGR-0.7%

Pioneer Bancorp Inc Md had 25M shares outstanding in fiscal year 2025. This represents a decrease of 4.2% from the prior year.

Free Cash Flow

Not reported for fiscal year 2025.

Dividends Per Share

Not reported for fiscal year 2025.

Margins & Returns

Return on Equity

6.3%

YoY+1.1pp

5Y CAGR+3.9pp

Pioneer Bancorp Inc Md's ROE was 6.3% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.1 percentage points from the prior year.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Net Margin

Not shown for fiscal year 2025: the reported ratio is above 100.0% of revenue, so it does not read as a share of revenue.

Capital Allocation

Share Buybacks

$11.3M

YoY+950.6%

Pioneer Bancorp Inc Md spent $11.3M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 950.6% from the prior year.

R&D Spending

Not reported for fiscal year 2025.

Capital Expenditures

Not reported for fiscal year 2025.

PBFS Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

PBFS quarterly income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18
Revenue	$16.3M	$15.8M+5.8%	$15.0M+15.2%	$13.0M-1.9%	$13.2M+3.6%	$12.8M+1.7%	$12.6M-2.6%	$12.9M-72.3%	$46.5M
SG&A Expenses	$35.9M	$34.0M+16.2%	$29.2M+6.6%	$27.4M+6.1%	$25.9M-1.8%	$26.3M+5.4%	$25.0M+10.3%	$22.6M+4.7%	$21.6M
Interest Expense	$32.9M	$30.4M+39.3%	$21.8M+297.0%	$5.5M+275.1%	$1.5M-30.6%	$2.1M-55.4%	$4.7M+5.6%	$4.5M+40.6%	$3.2M
Income Tax	$4.6M	$6.2M+49.5%	$4.1M-29.8%	$5.9M+93.1%	$3.1M+93.2%	$1.6M+98.6%	$797K+8.1%	$737K-88.3%	$6.3M
Net Income	$16.8M	$20.3M+32.9%	$15.3M-30.5%	$21.9M+113.5%	$10.3M+854.4%	$1.1M-79.3%	$5.2M-28.9%	$7.3M-36.4%	$11.5M
EPS (Diluted)	$0.70	$0.83+36.1%	$0.61-29.9%	$0.87+112.2%	$0.41+925.0%	$0.04-81.0%	$0.21	N/A	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$4.3M+11.0%	$3.8M-15.7%	$4.6M+25.6%	$3.6M-8.7%	$4.0M+8.8%	$3.7M	N/A	$3.8M
SG&A Expenses	$10.0M+13.9%	$8.7M+1.7%	$8.6M+0.4%	$8.6M+0.6%	$8.5M+2.6%	$8.3M	N/A	$7.7M
Interest Expense	$9.0M+18.3%	$7.6M-6.3%	$8.1M+0.6%	$8.1M+9.3%	$7.4M+9.4%	$6.8M	N/A	$6.5M
Income Tax	$1.3M+212.7%	$416K-73.7%	$1.6M+23.8%	$1.3M-24.1%	$1.7M+1.9%	$1.7M	N/A	$1.9M
Net Income	$3.5M-34.1%	$5.3M+41.3%	$3.7M-13.6%	$4.3M-32.9%	$6.5M+11.9%	$5.8M	N/A	$6.3M
EPS (Diluted)	$0.14-36.4%	$0.22+37.5%	$0.16-11.1%	$0.18-30.8%	$0.26+13.0%	$0.23	N/A	$0.25

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.

PBFS Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

PBFS quarterly balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18
Total Assets	$2.2B+13.5%	$1.9B+2.1%	$1.9B-5.5%	$2.0B+9.4%	$1.8B+17.7%	$1.5B+4.0%	$1.5B+14.3%	$1.3B
Cash & Equivalents	$133.7M-19.1%	$165.2M+9.8%	$150.5M-60.0%	$376.1M+15.7%	$325.0M+107.1%	$156.9M-31.8%	$230.1M+91.3%	$120.3M
Goodwill	$9.6M-11.8%	$10.9M+23.6%	$8.8M0.0%	$8.8M+20.7%	$7.3M0.0%	$7.3M0.0%	$7.3M0.0%	$7.3M
Total Liabilities	$1.8B+14.3%	$1.6B+0.6%	$1.6B-7.7%	$1.7B+10.5%	$1.6B+19.7%	$1.3B-3.2%	$1.3B+15.3%	$1.2B
Total Equity	$323.9M+9.2%	$296.5M+11.2%	$266.7M+9.9%	$242.6M+2.0%	$237.8M+6.2%	$224.0M+81.7%	$123.3M+4.4%	$118.1M
Retained Earnings	$203.0M+8.2%	$187.7M+8.5%	$173.0M+14.5%	$151.1M+7.3%	$140.8M+0.8%	$139.7M+4.0%	$134.4M+15.4%	$116.4M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$2.4B+6.4%	$2.2B+3.3%	$2.2B-4.1%	$2.2B+7.0%	$2.1B+1.3%	$2.1B+4.5%	$2.0B-1.7%	$2.0B
Cash & Equivalents	$94.6M-39.7%	$156.9M+17.4%	$133.7M-41.5%	$228.6M+87.2%	$122.1M-12.6%	$139.6M+44.7%	$96.5M-57.1%	$225.0M
Goodwill	$26.6M+176.7%	$9.6M0.0%	$9.6M-11.8%	$10.9M0.0%	$10.9M0.0%	$10.9M0.0%	$10.9M0.0%	$10.9M
Total Liabilities	$2.0B+7.6%	$1.9B+3.6%	$1.8B-5.3%	$1.9B+8.2%	$1.8B+1.4%	$1.8B+5.0%	$1.7B-2.1%	$1.7B
Total Equity	$328.3M-0.1%	$328.6M+1.5%	$323.9M+3.1%	$314.2M0.0%	$314.2M+1.1%	$310.7M+2.0%	$304.6M+0.2%	$303.8M
Retained Earnings	$208.2M-0.1%	$208.3M+2.6%	$203.0M+1.7%	$199.7M-0.8%	$201.4M+1.5%	$198.4M+2.2%	$194.2M+0.7%	$192.8M

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Long-Term Debt.

PBFS Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

PBFS quarterly cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18
Operating Cash Flow	$24.1M	$11.1M-53.4%	$23.8M-9.2%	$26.3M-47.4%	$50.0M+53.0%	$32.7M+1512.5%	$2.0M-67.0%	$6.1M-73.4%	$23.0M
Capital Expenditures	N/A	N/A	$838K+85.8%	$451K-42.2%	$780K+30.9%	$596K-65.0%	$1.7M-25.4%	$2.3M-71.5%	$8.0M
Free Cash Flow	N/A	N/A	$23.0M-10.9%	$25.8M-47.5%	$49.2M+53.4%	$32.1M+9855.6%	$322K-91.6%	$3.8M-74.3%	$15.0M
Investing Cash Flow	-$269.3M	-$125.8M-597.0%	-$18.0M+84.3%	-$114.9M+22.4%	-$148.0M-18.3%	-$125.1M-14.3%	-$109.5M-40.3%	-$78.0M+0.9%	-$78.7M
Financing Cash Flow	$217.8M	$151.8M+1603.4%	$8.9M+106.5%	-$137.0M-191.8%	$149.2M-42.7%	$260.5M+660.8%	$34.2M-81.2%	$181.7M+33.9%	$135.7M
Share Buybacks	N/A	$11.3M+950.6%	$1.1M	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$14.7M+9200.0%	-$161K-102.8%	$5.7M+45.3%	$3.9M-22.9%	$5.1M+243.6%	-$3.5M-123.6%	$14.9M+681.9%	$1.9M
Investing Cash Flow	-$194.9M-413.8%	-$37.9M-6583.2%	$585K+101.6%	-$37.1M+14.9%	-$43.6M+4.5%	-$45.7M+52.7%	-$96.6M-62.8%	-$59.3M
Financing Cash Flow	$117.8M+92.1%	$61.4M+160.7%	-$101.1M-172.4%	$139.7M+565.6%	$21.0M-77.3%	$92.3M+297.1%	-$46.8M-139.9%	$117.2M
Share Buybacks	N/A	N/A	$417K-93.0%	$6.0M+81.2%	$3.3M+110.5%	$1.6M-18.6%	$1.9M+58.9%	$1.2M

Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow, Dividends Paid.

PBFS Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

PBFS quarterly financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18
Net Margin	128.3%	102.0%	169.1%	77.7%+69.3pp	8.4%-33.0pp	41.4%-15.3pp	56.7%+32.0pp	24.7%
Return on Equity	6.3%+1.1pp	5.1%-3.1pp	8.2%+4.0pp	4.2%+3.8pp	0.4%-1.9pp	2.3%-3.6pp	5.9%-3.8pp	9.7%
Return on Assets	0.9%+0.1pp	0.8%-0.4pp	1.2%+0.7pp	0.5%+0.5pp	0.1%-0.3pp	0.3%-0.2pp	0.5%-0.4pp	0.9%
Debt-to-Equity	5.64+0.2x	5.39-0.6x	5.96-1.1x	7.10+0.5x	6.55+0.7x	5.82-5.1x	10.91+1.0x	9.88
FCF Margin	N/A	153.9%	199.0%	371.8%	251.1%	2.6%-27.3pp	29.8%-2.4pp	32.3%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Net Margin	81.7%	137.7%	82.1%	119.3%	162.3%	157.8%	N/A	165.1%
Return on Equity	1.1%-0.5pp	1.6%+0.5pp	1.2%-0.2pp	1.4%-0.7pp	2.1%+0.2pp	1.8%	N/A	2.1%
Return on Assets	0.1%-0.1pp	0.2%+0.1pp	0.2%0.0pp	0.2%-0.1pp	0.3%0.0pp	0.3%	N/A	0.3%
Debt-to-Equity	6.20+0.4x	5.76+0.1x	5.64-0.5x	6.14+0.5x	5.670.0x	5.66+0.2x	5.50-0.1x	5.63

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.

Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin.

Where Pioneer Bancorp Inc Md Ranks

Frequently Asked Questions

What is Pioneer Bancorp Inc Md's annual revenue?

Pioneer Bancorp Inc Md (PBFS) reported $15.8M in total revenue for fiscal year 2025. This represents a 5.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Pioneer Bancorp Inc Md's revenue growing?

Pioneer Bancorp Inc Md (PBFS) revenue grew by 5.8% year-over-year, from $15.0M to $15.8M in fiscal year 2025.

Is Pioneer Bancorp Inc Md profitable?

Yes, Pioneer Bancorp Inc Md (PBFS) reported a net income of $20.3M in fiscal year 2025.

What is Pioneer Bancorp Inc Md's return on equity (ROE)?

Pioneer Bancorp Inc Md (PBFS) has a return on equity of 6.3% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Pioneer Bancorp Inc Md's operating cash flow?

Pioneer Bancorp Inc Md (PBFS) generated $11.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Pioneer Bancorp Inc Md's total assets?

Pioneer Bancorp Inc Md (PBFS) had $2.2B in total assets as of fiscal year 2025, including both current and long-term assets.

Does Pioneer Bancorp Inc Md buy back shares?

Yes, Pioneer Bancorp Inc Md (PBFS) spent $11.3M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Pioneer Bancorp Inc Md have outstanding?

Pioneer Bancorp Inc Md (PBFS) had 25M shares outstanding as of fiscal year 2025.

What is Pioneer Bancorp Inc Md's debt-to-equity ratio?

Pioneer Bancorp Inc Md (PBFS) had a debt-to-equity ratio of 5.64 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Pioneer Bancorp Inc Md's return on assets (ROA)?

Pioneer Bancorp Inc Md (PBFS) had a return on assets of 0.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Pioneer Bancorp Inc Md's Piotroski F-Score?

Pioneer Bancorp Inc Md (PBFS) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Pioneer Bancorp Inc Md's earnings high quality?

Pioneer Bancorp Inc Md (PBFS) has an earnings quality ratio of 0.55x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Pioneer Bancorp Inc Md?

Pioneer Bancorp Inc Md (PBFS) scores 54 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.