Skip to main content
Back
Watch Compare

Pioneer Bancorp, Inc./MD

Data quality: 100%
PBFS
Nasdaq Financial Services Depository Institutions
$13.92
▼ $0.27 (-1.90%)
Mkt Cap: 349.07 M
Price
$13.92
Mkt Cap
349.07 M
Day Range
$13.92 — $14.31
52-Week Range
$10.86 — $15.18
Volume
7,108
Open $14.09
50D / 200D Avg
$14.10
1.29% below
50D / 200D Avg
$13.32
4.49% above

Quick Summary

Key Takeaways

Revenue grew 5.49% annually over 5 years — modest growth
Earnings grew 111.32% over the past year
Net margin of 128.29% shows strong profitability
Generating 11.12 M in free cash flow
PEG of 0.16 suggests growth is underpriced
Revenue growth is accelerating — 1Y growth exceeds 5Y average by 82.84%

Growth

Revenue Growth (5Y)
5.49%
Below sector avg (6.38%)
Revenue (1Y)88.33%
Earnings (1Y)111.32%
FCF Growth (3Y)-34.38%

Quality

Return on Equity
6.46%
Below sector avg (10.70%)
ROICN/A
Net Margin128.29%
Op. MarginN/A

Safety

Debt / Equity
N/A
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM)
17.21
Above sector avg (12.63)
P/B Ratio1.11
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (1096 peers)
Metric Stock Sector Median
P/E 17.2 12.6
P/B 1.1 1.4
ROE % 6.5 10.7
Net Margin % 128.3 14.8
Rev Growth 5Y % 5.5 6.4
D/E — 0.5

ETFs Holding This Stock

BSVO logo BSVO EA Bridgeway Omni Small-Cap Value ETF
0.06% weight

All Fundamental Metrics
Growth
Revenue Growth (1Y) 88.33% Revenue Growth (3Y) 10.39%
Earnings Growth (1Y) 111.32% Earnings Growth (3Y) -3.86%
Revenue Growth (5Y) 5.49% Earnings Growth (5Y) 108.33%
Profitability
Revenue (TTM) 15.81 M Net Income (TTM) 20.29 M
ROE 6.46% ROA 0.93%
Gross Margin N/A Operating Margin N/A
Net Margin 128.29% Free Cash Flow (TTM) 11.12 M
ROIC N/A FCF Growth (3Y) -34.38%
Safety
Debt / Equity N/A Current Ratio N/A
Interest Coverage N/A Asset Turnover 0.01
Working Capital N/A Tangible Book Value 303.32 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 17.21 Forward P/E N/A
P/B Ratio 1.11 P/S Ratio 22.07
PEG Ratio 0.16 Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 3.18%
Market Cap 349.07 M Enterprise Value 349.07 M
Per Share
EPS (Diluted TTM) 0.83 Revenue / Share 0.63
FCF / Share 0.44 OCF / Share 0.44
EPS CAGR (1Y) 118.42% EPS CAGR (5Y) 113.43%
EPS CAGR (10Y) N/A
Efficiency
CapEx / Revenue N/A FCF Conversion 54.80%
SBC-Adj. FCF 10.13 M Growth Momentum 82.84

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 15.81 M 8.40 M 12.98 M 13.23 M 12.77 M
Net Income 20.29 M 9.60 M 21.95 M 10.28 M 1.08 M
EPS (Diluted) 0.83 0.38 0.87 0.41 0.04
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A 1.90 M 1.00 M 2.30 M 2.40 M 2.54 M
Interest Expense 79.15 M 21.80 M 5.49 M 1.46 M 2.11 M
Income Tax 6.20 M 2.81 M 5.91 M 3.06 M 1.58 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 2.15 B 1.98 B 1.86 B 1.96 B 1.80 B
Total Liabilities 1.83 B 1.68 B 1.59 B 1.72 B 1.56 B
Shareholders' Equity 323.86 M 304.55 M 266.70 M 242.63 M 237.82 M
Total Debt — — — — —
Cash & Equivalents — — — — 324.96 M
Current Assets — — — — —
Current Liabilities — — — — —