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

Source SEC Filings (10-K/10-Q) Data as of Mar 31, 2026 Currency USD FYE December

This page shows Pioneer Bancorp Inc Md (PBFS) financial statements, including the 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 2026-05-11

Balance-sheet growth is the main engine here, with liabilities funding expansion while cash generation lagged reported profit.

FY2025 shows a profit-to-cash disconnect: net income rebounded to $20.3M while operating cash flow fell to $11.1M from $23.8M in FY2024. Paired with assets rising to $2.15B and financing inflow of $151.8M, that suggests earnings improved even as more of the business’s expansion had to be funded through the balance sheet rather than by internally generated cash.

Equity rose from $266.7M in FY2023 to $323.9M in FY2025. Yet debt-to-equity stayed around 5.4x-5.6x, showing added capital did not materially change the company’s liability-heavy funding model.

Cash fell to $133.7M in FY2025 from $165.2M a year earlier. With financing inflow of $151.8M and buybacks of $11.3M, management was actively deploying capital into the balance sheet and share count reduction rather than letting liquidity build.

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.

EBITDA

N/A

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.

Cash & Balance Sheet

Free Cash Flow

N/A

Cash & Debt

$133.7M

YoY-19.1%

5Y CAGR-3.2%

Pioneer Bancorp Inc Md held $133.7M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

25M

YoY-4.5%

5Y CAGR-0.7%

Pioneer Bancorp Inc Md had 25M shares outstanding in fiscal year 2025. This represents a decrease of 4.5% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

128.3%

YoY+26.2pp

5Y CAGR+86.9pp

Pioneer Bancorp Inc Md's net profit margin was 128.3% in fiscal year 2025, showing the share of revenue converted to profit. This is up 26.2 percentage points from the prior year.

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.

Capital Allocation

R&D Spending

N/A

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.

Capital Expenditures

N/A

PBFS Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$15.8M+5.8%	$15.0M+15.2%	$13.0M-1.9%	$13.2M+3.6%	$12.8M+1.7%	$12.6M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$34.0M+16.2%	$29.2M+6.6%	$27.4M+6.1%	$25.9M-1.8%	$26.3M+5.4%	$25.0M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$30.4M+39.3%	$21.8M+297.0%	$5.5M+275.1%	$1.5M-30.6%	$2.1M-55.4%	$4.7M
Income Tax	$6.2M+49.5%	$4.1M-29.8%	$5.9M+93.1%	$3.1M+93.2%	$1.6M+98.6%	$797K
Net Income	$20.3M+32.9%	$15.3M-30.5%	$21.9M+113.5%	$10.3M+854.4%	$1.1M-79.3%	$5.2M
EPS (Diluted)	$0.83+36.1%	$0.61-29.9%	$0.87+112.2%	$0.41+925.0%	$0.04-81.0%	$0.21

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$3.8M-15.7%	$4.6M+25.6%	$3.6M-8.7%	$4.0M+8.8%	$3.7M	N/A	$3.8M+4.4%	$3.7M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$8.7M+1.7%	$8.6M+0.4%	$8.6M+0.6%	$8.5M+2.6%	$8.3M	N/A	$7.7M+2.8%	$7.5M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$7.6M-6.3%	$8.1M+0.6%	$8.1M+9.3%	$7.4M+9.4%	$6.8M	N/A	$6.5M+1.9%	$6.4M
Income Tax	$416K-73.7%	$1.6M+23.8%	$1.3M-24.1%	$1.7M+1.9%	$1.7M	N/A	$1.9M+71.6%	$1.1M
Net Income	$5.3M+41.3%	$3.7M-13.6%	$4.3M-32.9%	$6.5M+11.9%	$5.8M	N/A	$6.3M+60.5%	$3.9M
EPS (Diluted)	$0.22	N/A	$0.18-30.8%	$0.26+13.0%	$0.23	N/A	$0.25+56.3%	$0.16

PBFS Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$2.2B+13.5%	$1.9B+2.1%	$1.9B-5.5%	$2.0B+9.4%	$1.8B+17.7%	$1.5B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$133.7M-19.1%	$165.2M+9.8%	$150.5M-60.0%	$376.1M+15.7%	$325.0M+107.1%	$156.9M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$9.6M-11.8%	$10.9M+23.6%	$8.8M0.0%	$8.8M+20.7%	$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
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$323.9M+9.2%	$296.5M+11.2%	$266.7M+9.9%	$242.6M+2.0%	$237.8M+6.2%	$224.0M
Retained Earnings	$203.0M+8.2%	$187.7M+8.5%	$173.0M+14.5%	$151.1M+7.3%	$140.8M+0.8%	$139.7M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$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+6.3%	$1.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$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+36.2%	$165.2M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$9.6M0.0%	$9.6M-11.8%	$10.9M0.0%	$10.9M0.0%	$10.9M0.0%	$10.9M0.0%	$10.9M0.0%	$10.9M
Total Liabilities	$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+7.0%	$1.6B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$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+2.5%	$296.5M
Retained Earnings	$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+2.7%	$187.7M

PBFS Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$11.1M-53.4%	$23.8M-9.2%	$26.3M-47.4%	$50.0M+53.0%	$32.7M+1512.5%	$2.0M
Capital Expenditures	N/A	$838K+85.8%	$451K-42.2%	$780K+30.9%	$596K-65.0%	$1.7M
Free Cash Flow	N/A	$23.0M-10.9%	$25.8M-47.5%	$49.2M+53.4%	$32.1M+9855.6%	$322K
Investing Cash Flow	-$125.8M-597.0%	-$18.0M+84.3%	-$114.9M+22.4%	-$148.0M-18.3%	-$125.1M-14.3%	-$109.5M
Financing Cash Flow	$151.8M+1603.4%	$8.9M+106.5%	-$137.0M-191.8%	$149.2M-42.7%	$260.5M+660.8%	$34.2M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$11.3M+950.6%	$1.1M	N/A	N/A	N/A	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	-$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-78.9%	$9.0M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$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-1349.0%	$4.7M
Financing Cash Flow	$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+223.2%	-$95.1M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$1.6M+277.0%	$417K-93.0%	$6.0M+81.2%	$3.3M+110.5%	$1.6M-18.6%	$1.9M+58.9%	$1.2M	N/A

PBFS Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	128.3%+26.2pp	102.0%-67.1pp	169.1%+91.4pp	77.7%+69.3pp	8.4%-33.0pp	41.4%
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%
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%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	5.64+0.2	5.39-0.6	5.96-1.1	7.10+0.5	6.55+0.7	5.82
FCF Margin	N/A	153.9%-45.1pp	199.0%-172.8pp	371.8%+120.7pp	251.1%+248.5pp	2.6%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	137.7%+55.6pp	82.1%-37.2pp	119.3%-43.0pp	162.3%+4.5pp	157.8%	N/A	165.1%+57.7pp	107.4%
Return on Equity	1.6%+0.5pp	1.2%-0.2pp	1.4%-0.7pp	2.1%+0.2pp	1.8%	N/A	2.1%+0.8pp	1.3%
Return on Assets	0.2%+0.1pp	0.2%-0.0pp	0.2%-0.1pp	0.3%+0.0pp	0.3%	N/A	0.3%+0.1pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	5.76+0.1	5.64-0.5	6.14+0.5	5.67+0.0	5.66+0.2	5.50-0.1	5.63+0.2	5.39
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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, with a net profit margin of 128.3%.

What is Pioneer Bancorp Inc Md's net profit margin?

Pioneer Bancorp Inc Md (PBFS) had a net profit margin of 128.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

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.