Pioneer Bancorp, Inc./MD

PBFS

Pioneer Bancorp, Inc./MD

PBFS

Insider Sentiment (TTM):

Last Purchase:2024-06-13Last Sale:2025-12-12Shares Purchased (TTM):0Shares Sold (TTM):5,395

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:3,798,161Shares Outstanding:24,101,429Institutional Ownership Pct.:15.76%

Earnings Market Reaction:

Filing Date:2026-08-10Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	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
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 Accru…	201	201	220	255	288	311	263	257	297	320	412
Debt Securities Held To Maturity Excluding Accrued…	-	-	-	-	-	-	-	-	-	-	24
Debt Securities Held To Maturity Excluding Accrued…	45	44	42	44	42	31	25	25	23	24	-
Equity Securities Fv Ni	-	-	-	-	-	-	-	-	-	3	2
Federal Home Loan Bank Stock And Federal Reserve B…	4	4	6	4	4	4	4	4	-	-	-
Financing Receivable Excluding Accrued Interest Be…	-	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 Exc…	-	-26	-25	-25	-24	-23	-21	-22	-22	-21	-21
Federal Home Loan Bank Stock	-	-	-	-	-	-	-	-	1	1	1
Financing Receivable Excluding Accrued Interest Af…	-	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 Rig…	-	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
Liabilities And Stockhold…
Liabilities
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…	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 Cre…	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

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10‑Q10‑K

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Interactive Financial Visualizations

10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	-0.30%	3.90%	1.57%	-	-	-	11.57%	19.08%	18.60%	-	-	-
2025	2.61%	-0.78%	0.70%	5.64%	5.32%	6.69%	-1.98%	6.02%	6.36%	2.94%	5.44%	9.78%
2024	10.01%	20.15%	21.26%	5.71%	4.26%	2.46%	7.39%	12.50%	18.80%	1.36%	4.16%	7.23%
2023	-	-	-	-	-	-	-	-	-	-3.73%	-6.67%	9.95%
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Performance and Valuation Metrics

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Metrics	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
Leverage & Debt
Interest Coverage TTM	-0.78	-0.73	-0.71	-0.35	0.06	0.70	1.97	1.89	2.10	2.57	3.78
Per Share Metrics
Diluted EPS TTM	0.61	0.73	0.75	0.93	0.91	0.83	0.72	0.61	0.63	0.68	0.80
Free Cash Flow Per Share TTM	-0.04	-0.30	-0.44	0.36	1.09	0.87	0.96	0.95	1.12	1.09	1.22
Dividend Per Share TTM	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Margin Metrics
Gross Profit Margin TTM	71.48%	71.68%	71.80%	72.77%	63.62%	63.83%	63.61%	64.38%	78.16%	82.66%	87.84%
Operating Profit Margin TTM	15.59%	19.14%	21.07%	27.82%	28.55%	27.55%	25.17%	21.98%	23.97%	27.31%	33.78%
Net Profit Margin TTM	12.31%	15.38%	16.14%	21.66%	22.28%	21.38%	19.61%	17.28%	18.89%	21.56%	26.49%
Growth Metrics
Net Revenue Growth (1Y)	19.88%	19.67%	22.58%	19.48%	20.22%	21.88%	21.77%	24.33%	30.84%	43.13%	56.96%
Net Income Growth (1Y)	-33.77%	-13.92%	0.88%	49.75%	41.77%	20.87%	-9.85%	-30.47%	-20.03%	21.73%	42.22%
EPS Growth (1Y)	-32.45%	-11.38%	3.40%	54.18%	45.87%	22.80%	-9.45%	-30.54%	-20.19%	21.48%	41.93%
Valuation Metrics
P/E TTM	27.59	18.81	18.02	13.98	13.13	14.02	15.16	16.53	15.62	14.72	10.69
P/B TTM	1.25	1.02	1.02	1.02	0.94	0.94	0.91	0.85	0.86	0.89	0.79
P/S TTM	3.40	2.89	2.91	3.03	2.93	3.00	2.97	2.86	2.95	3.17	2.83
Market Cap	410.23M	335.49M	329.87M	319.58M	294.87M	290.56M	275.15M	252.19M	247.41M	252.33M	215.16M
Enterprise Value	315.66M	178.55M	196.20M	91.03M	172.80M	150.93M	50.17M	87.00M	870.14K	112.69M	-1.38M
Calculated Values
Free Cash Flow TTM	-1.07M	-7.29M	-10.65M	8.74M	26.83M	21.54M	24.13M	23.85M	28.36M	27.42M	30.74M
Net Debt	-94.57M	-156.94M	-133.68M	-228.55M	-122.07M	-139.63M	-224.97M	-165.19M	-246.54M	-139.63M	-216.54M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2025-12-12Sale

Owner: Tomczak, Jesse

Title: EVP and CBO

Shares: 5,395

Price/Share: $14.70

Value: $79,306.50

Shares Owned: 41,000

Relationship: Officer

Ownership: Direct

2024-06-13Purchase

Owner: Mahoney, Shaun

Title: -

Shares: 4,500

Price/Share: $10.41

Value: $46,845.00

Shares Owned: 4,500

Relationship: Director

Ownership: Indirect

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2025-12-12	Tomczak, Jesse	Officer	EVP and CBO	Direct	Sale	5,395	14.70	$79,306.50	41,000	4
2024-06-13	Mahoney, Shaun	Director	-	Indirect	Purchase	4,500	10.41	$46,845.00	4,500	4
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Institutional Ownership

No data available for chart

2026-03-31

15.76%

Inst. Shares: 3,798,161

Shares Outstanding: 24,101,429

2025-12-31

15.44%

Inst. Shares: 3,778,470

Shares Outstanding: 24,471,179

2025-09-30

15.57%

Inst. Shares: 3,811,017

Shares Outstanding: 24,470,461

2025-06-30

16.08%

Inst. Shares: 3,941,982

Shares Outstanding: 24,510,936

2025-03-31

15.80%

Inst. Shares: 3,919,673

Shares Outstanding: 24,812,752

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	3,798,161	24,101,429	15.76%
2025-12-31	3,778,470	24,471,179	15.44%
2025-09-30	3,811,017	24,470,461	15.57%
2025-06-30	3,941,982	24,510,936	16.08%
2025-03-31	3,919,673	24,812,752	15.80%
2024-12-31	3,905,209	24,812,752	15.74%
2024-09-30	4,054,532	25,081,864	16.17%
2024-06-30	4,297,405	25,193,848	17.06%
2024-03-31	4,397,913	25,220,299	17.44%
2023-12-31	4,405,779	25,207,569	17.48%
2023-09-30	4,482,502	25,194,841	17.79%
2023-06-30	4,561,215	25,169,382	18.12%
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Pioneer 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. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), Pioneer Bancorp, Inc./MD reported a 19.88% year-over-year revenue growth, a Gross Profit Margin of 71.48% (TTM), a Price-to-Sales (P/S) ratio of 3.40x (TTM), a Price-to-Book (P/B) ratio of 1.25x (TTM), at a market cap of $410.23M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 19.88%
Gross Profit Margin TTM: 71.48%
P/S TTM: 3.40x
P/B TTM: 1.25x
Market Cap: $410.23M

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 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 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.