PBFS
Pioneer Bancorp, Inc./MDCompany Information
- Company Name
- Pioneer Bancorp, Inc./MD
- CIK
- CIK0001769663
- Category
- Accelerated filer<br>Smaller reporting company
- Ticker: Exchange
- PBFS: Nasdaq
- Fiscal Year End
- December 31
- Owner Organization
- 02 Finance
- SIC
- 6036
- SIC Description
- Savings Institutions, Not Federally Chartered
- Ticker
- PBFS
SEC filing data through
Insider Sentiment
- Last purchase
- 2024-06-13
- Last sale
- 2025-12-12
- Shares purchased (TTM)
- 0
- Shares sold (TTM)
- 5,395
Institutional Sentiment
- As of
- 2026-06-30
- Institutional shares owned
- 3,878,835
- Shares outstanding
- 24,031,945
- Ownership
- 16.14%
Earnings Market Reaction
- Filing date
- 2026-08-10
- Price on filing date
- —
- 1-month reaction
- 8.29%
- 3-month reaction
- …
Balance Sheet
Values in millions ($)| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Trend |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Assets | |||||||||||||||||
| Cash And Due From Banks | 37 | 27 | 30 | 58 | 30 | 29 | 78 | 37 | 39 | 33 | 84 | ||||||
| Federal Funds Sold | 9 | 12 | 3 | 3 | 3 | 2 | 2 | 14 | 1 | 3 | 2 | ||||||
| Interest Bearing Deposits In Banks | 48 | 118 | 101 | 167 | 90 | 109 | 144 | 115 | 207 | 104 | 130 | ||||||
| Cash Cash Equivalents And Federal Funds Sold | 95 | 157 | 134 | 229 | 122 | 140 | 225 | 165 | 247 | 140 | 217 | ||||||
| Debt Securities Available For Sale Excluding Accrued Interest | 201 | 201 | 220 | 255 | 288 | 311 | 263 | 257 | 297 | 320 | 412 | ||||||
| Debt Securities Held To Maturity Excluding Accrued Interest Before Allowance For Credit Loss | - | - | - | - | - | - | - | - | - | - | 24 | ||||||
| Debt Securities Held To Maturity Excluding Accrued Interest After Allowance For Credit Loss | 45 | 44 | 42 | 44 | 42 | 31 | 25 | 25 | 23 | 24 | - | ||||||
| Equity Securities Fv Ni | - | - | - | - | - | - | - | - | - | 3 | 2 | ||||||
| Federal Home Loan Bank Stock And Federal Reserve Bank Stock | 4 | 4 | 6 | 4 | 4 | 4 | 4 | 4 | - | - | - | ||||||
| Financing Receivable Excluding Accrued Interest Before Allowance For Credit Loss | 1,899 | 1,727 | 1,672 | 1,639 | 1,567 | 1,510 | 1,421 | 1,366 | 1,334 | 1,285 | 1,225 | ||||||
| Financing Receivable Allowance For Credit Loss Excluding Accrued Interest | -28 | -26 | -25 | -25 | -24 | -23 | -21 | -22 | -22 | -21 | -21 | ||||||
| Federal Home Loan Bank Stock | - | - | - | - | - | - | - | - | 1 | 1 | 1 | ||||||
| Financing Receivable Excluding Accrued Interest After Allowance For Credit Loss | 1,871 | 1,701 | 1,646 | 1,614 | 1,543 | 1,487 | 1,400 | 1,344 | 1,312 | 1,264 | 1,204 | ||||||
| Interest Receivable | 9 | 10 | 9 | 9 | 9 | 8 | 8 | 8 | 8 | 8 | 7 | ||||||
| Property Plant And Equipment And Finance Lease Right Of Use Asset After Accumulated Depreciation And Amortization | 36 | 36 | 36 | 35 | 36 | 36 | 40 | 40 | 41 | 41 | 41 | ||||||
| Bank Owned Life Insurance | 15 | 15 | 15 | 15 | 15 | 16 | 16 | 16 | 16 | 16 | 16 | ||||||
| Goodwill | 27 | 10 | 10 | 11 | 11 | 11 | 11 | 11 | 11 | 11 | 11 | ||||||
| Other Intangible Assets Net | 12 | 3 | 3 | 2 | 2 | 3 | 3 | 3 | 3 | 3 | 3 | ||||||
| Other Assets | 27 | 33 | 31 | 25 | 24 | 23 | 22 | 23 | 23 | 22 | 24 | ||||||
| Assets | 2,364 | 2,221 | 2,151 | 2,243 | 2,096 | 2,069 | 2,015 | 1,895 | 1,982 | 1,853 | 1,963 | ||||||
Deposits | |||||||||||||||||
| Noninterest Bearing Deposit Liabilities | 455 | 478 | 456 | 570 | 471 | 509 | 538 | 445 | 492 | 474 | 608 | ||||||
| Interest Bearing Deposit Liabilities | 1,514 | 1,374 | 1,283 | 1,325 | 1,271 | 1,212 | 1,137 | 1,105 | 1,156 | 1,048 | 1,031 | ||||||
| Deposits | 1,969 | 1,852 | 1,739 | 1,895 | 1,742 | 1,722 | 1,675 | 1,550 | 1,648 | 1,522 | 1,639 | ||||||
| Federal Funds Purchased | - | - | 50 | - | - | - | - | - | - | - | - | ||||||
| Other Liabilities | 54 | 33 | 29 | 30 | 30 | 30 | 32 | 39 | 39 | 40 | 49 | ||||||
| Liabilities | 2,035 | 1,892 | 1,827 | 1,929 | 1,782 | 1,758 | 1,711 | 1,599 | 1,693 | 1,569 | 1,692 | ||||||
Stockholders Equity | |||||||||||||||||
| Common Stock Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| Additional Paid In Capital Common Stock | 116 | 116 | 115 | 115 | 115 | 114 | 114 | 113 | 113 | 113 | 113 | ||||||
| Retained Earnings Accumulated Deficit | 208 | 208 | 203 | 200 | 201 | 198 | 193 | 188 | 185 | 180 | 177 | ||||||
| Deferred Compensation Equity | -9 | -9 | -9 | -9 | -9 | -9 | -10 | -10 | -10 | -10 | -10 | ||||||
| Accumulated Other Comprehensive Income Loss Net Of Tax | 12 | 13 | 14 | 8 | 7 | 7 | 7 | 5 | 1 | 0 | -9 | ||||||
| Stockholders Equity | 328 | 329 | 324 | 314 | 314 | 311 | 304 | 297 | 289 | 284 | 272 | ||||||
| Liabilities And Stockholders Equity | 2,364 | 2,221 | 2,151 | 2,243 | 2,096 | 2,069 | 2,015 | 1,895 | 1,982 | 1,853 | 1,963 | ||||||
| Debt Securities Held To Maturity Allowance For Credit Loss Excluding Accrued Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | ||||||
| Held To Maturity Securities Fair Value | 44 | 43 | 40 | 39 | 38 | 28 | 23 | 22 | 21 | 22 | 22 | ||||||
| Preferred Stock Par Or Stated Value Per Share | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | ||||||
| Preferred Stock Shares Authorized | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | ||||||
| Preferred Stock Shares Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| Preferred Stock Shares Outstanding | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| Common Stock Par Or Stated Value Per Share | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | ||||||
| Common Stock Shares Authorized | 75 | 75 | 75 | 75 | 75 | 75 | 75 | 75 | 75 | 75 | 75 | ||||||
| Common Stock Shares Issued | 25 | 25 | 25 | 25 | 26 | 26 | 26 | 26 | 26 | 26 | 26 | ||||||
| Shares Outstanding | 25 | 25 | 25 | 25 | 26 | 26 | 26 | 26 | 26 | 26 | 26 | ||||||
Select a line item above to chart it.
Recent filings
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
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Start 7-day free trialPioneer Bancorp, Inc./MD (PBFS) — SEC Financial Statements & Analysis
Pioneer Bancorp, Inc./MD (PBFS) is a savings institutions, not federally chartered company, incorporated in MD. Pioneer Bancorp, Inc./MD trades on Nasdaq as: PBFS. Pioneer Bancorp, Inc./MD (PBFS)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-10. Based on that filing, Pioneer Bancorp, Inc./MD carries a market cap of $410.23M, a P/E ratio of 27.59x, a P/B ratio of 1.25x, a P/S ratio of 3.40x, an enterprise value of $315.66M, and an EV/EBITDA multiple of -4.80x. On profitability, it posts a gross margin of 71.48%, an operating margin of 15.59%, a net margin of 12.31%, a Return on Equity (ROE) of 4.63%, and a Return on Invested Capital (ROIC) of -24.77%. Per share, it reports EPS of $0.62, diluted EPS of $0.61, free cash flow per share of $0.10, and a dividend per share of $0.00. Over the trailing year, it posted revenue growth of 19.88% year-over-year, net income growth of -33.77% year-over-year, and EPS growth of -32.45% year-over-year. On the balance sheet, it maintains an interest coverage ratio of -0.78x, free cash flow of $2.30M (TTM), and net debt of $-94.57M. Figures sourced from SEC EDGAR.
- Market Cap
- $410.23M
- P/E TTM
- 27.59x
- EPS TTM
- $0.62
- P/B TTM
- 1.25x
- ROE TTM
- 4.63%
- Free Cash Flow TTM
- $2.30M
- Net Revenue TTM Growth 1Y
- 19.88%
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is Pioneer Bancorp, Inc./MD in?
Pioneer Bancorp, Inc./MD (PBFS) operates in the Savings Institutions, Not Federally Chartered industry.
What exchange does PBFS trade on?
Pioneer Bancorp, Inc./MD (PBFS) trades on the Nasdaq.
Where is Pioneer Bancorp, Inc./MD incorporated?
Pioneer Bancorp, Inc./MD is incorporated in MD.
When was Pioneer Bancorp, Inc./MD (PBFS)'s most recent SEC filing?
Pioneer Bancorp, Inc./MD (PBFS)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-10.
What is PBFS's market cap?
Pioneer Bancorp, Inc./MD (PBFS) has a market capitalization of $410.23M as of 2026-06-30.
What is PBFS's P/E ratio?
Pioneer Bancorp, Inc./MD (PBFS)'s trailing twelve month P/E ratio is 27.59x as of 2026-06-30.
What is PBFS's EPS (earnings per share)?
Pioneer Bancorp, Inc./MD (PBFS)'s trailing twelve month EPS is $0.62 as of 2026-06-30.
What is PBFS's ROE (return on equity)?
Pioneer Bancorp, Inc./MD (PBFS)'s trailing twelve month Return on Equity (ROE) is 4.63% as of 2026-06-30.
What is PBFS's ROIC (return on invested capital)?
Pioneer Bancorp, Inc./MD (PBFS)'s trailing twelve month Return on Invested Capital (ROIC) is -24.77% as of 2026-06-30.
What is PBFS's EV/EBITDA?
Pioneer Bancorp, Inc./MD (PBFS)'s trailing twelve month EV/EBITDA is -4.80x as of 2026-06-30.