Pioneer Bancorp, Inc./MD financials
Source: EDGAR filings · Built 2026-06-02T03:47:08Z
Key metrics by reporting period
Up to six most-recent periods side-by-side. Rows are the curated key lines — revenue, margins, cash, debt, equity, cash-flow totals, plus the derived and valuation metrics we compute on top. For every tag a filer reported in one period, use the single-filing drilldown below.
Derived Metrics
| Concept | FY 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Free Cash Flow | — | 16.05M | 22.91M | 25.70M | 49.19M | 32.06M |
| Net Debt | -129.25M | -91.28M | -159.05M | -144.05M | — | — |
| Net Margin | 128.29% | 114.33% | 102.05% | 169.13% | 77.69% | 8.44% |
| Return on Equity (ROE) | 6.26% | 3.15% | 5.15% | 8.23% | 4.24% | 0.45% |
| Return on Assets (ROA) | 0.94% | 0.48% | 0.81% | 1.18% | 0.52% | 0.06% |
| Debt-to-Equity | 0.01× | 0.02× | 0.02× | 0.02× | — | — |
| Effective Tax Rate | 23.41% | 22.65% | 21.38% | 21.21% | 22.93% | 59.51% |
| Cash Conversion Ratio | 0.55× | 1.76× | 1.56× | 1.20× | 4.86× | 30.32× |
| Accruals Ratio | 0.00× | -0.00× | -0.00× | -0.00× | -0.02× | -0.02× |
| SBC % of Revenue | 8.01% | 8.18% | 1.03% | — | — | — |
| CapEx Coverage | — | 20.91× | 25.37× | 46.49× | 64.06× | 54.79× |
| Free Cash Flow Per Share | — | $0.64 | $0.91 | $1.02 | $1.96 | $1.28 |
Valuation Metrics
| Concept | FY 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| P/E Trailing (Diluted) | 16.24× | 30.32× | 16.41× | 10.29× | 23.90× | 300.50× |
| P/FCF | — | 18.02× | 11.02× | 8.76× | 5.01× | 9.40× |
| FCF Yield | — | 5.55% | 9.07% | 11.41% | 19.97% | 10.64% |
| P/S | 21.37× | 35.64× | 17.58× | 17.92× | 19.24× | 24.46× |
| P/B | 1.04× | 0.98× | 0.89× | 0.87× | 1.05× | 1.31× |
Income Statement
| Concept | FY 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Revenue from Contract with Customer, Excluding Assessed Tax | 15.81M | 8.40M | 14.95M | 12.98M | 13.23M | 12.77M |
| Income Tax Expense (Benefit) | 6.20M | 2.81M | 4.15M | 5.91M | 3.06M | 1.58M |
| Net Income (Loss) Attributable to Parent | 20.29M | 9.60M | 15.26M | 21.95M | 10.28M | 1.08M |
| Earnings Per Share, Basic | $0.83 | $0.38 | $0.61 | $0.87 | $0.41 | $0.04 |
| Weighted Average Number of Shares Outstanding, Basic | 24.47M | 25.01M | 25.19M | 25.17M | 25.13M | 25.07M |
| Earnings Per Share, Diluted | $0.83 | $0.38 | $0.61 | $0.87 | $0.41 | $0.04 |
| Weighted Average Number of Shares Outstanding, Diluted | 24.57M | 25.10M | 25.22M | 25.17M | 25.13M | 25.07M |
Balance Sheet
| Concept | FY 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Cash and Cash Equivalents, at Carrying Value | — | — | — | — | — | 324.96M |
| Assets | 2.15B | 1.98B | 1.90B | 1.86B | 1.96B | 1.80B |
| Liabilities | 1.83B | 1.68B | 1.60B | 1.59B | 1.72B | 1.56B |
| Stockholders' Equity Attributable to Parent | 323.86M | 304.55M | 296.53M | 266.70M | 242.63M | 237.82M |
| Common Stock, Shares, Outstanding | 25.07M | 25.98M | 26.26M | 25.98M | 25.98M | 25.98M |
Cash Flow Statement
| Concept | FY 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Net Cash Provided by (Used in) Operating Activities | 11.12M | 16.85M | 23.85M | 26.27M | 49.97M | 32.65M |
| Payments to Acquire Property, Plant, and Equipment | — | 753.00K | 838.00K | 451.00K | 780.00K | 596.00K |
| Net Cash Provided by (Used in) Investing Activities | -125.79M | -155.90M | -18.05M | -114.87M | -148.03M | -125.11M |
| Payments for Repurchase of Common Stock | 11.29M | 3.15M | 1.07M | — | — | — |
| Net Cash Provided by (Used in) Financing Activities | 151.83M | 70.38M | 8.91M | -136.98M | 149.16M | 260.51M |
Derived Metrics
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2025 |
|---|---|---|---|---|---|---|
| Net Debt | — | -129.25M | — | — | — | -91.28M |
| Net Margin | 137.69% | 82.12% | 119.28% | 162.33% | 157.85% | — |
| Return on Equity (ROE) | 1.61% | 1.16% | 1.38% | 2.05% | 1.85% | — |
| Return on Assets (ROA) | 0.24% | 0.17% | 0.19% | 0.31% | 0.28% | — |
| Debt-to-Equity | — | 0.01× | — | — | — | 0.02× |
| Effective Tax Rate | 7.29% | 29.72% | 22.80% | 20.72% | 22.30% | — |
| Cash Conversion Ratio | -0.03× | 1.52× | 1.26× | 0.24× | -0.61× | — |
| Accruals Ratio | 0.00× | -0.00× | -0.00× | 0.00× | 0.00× | — |
| SBC % of Revenue | 9.37% | 6.12% | 27.22% | 17.74% | 9.61% | — |
Valuation Metrics
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2025 |
|---|---|---|---|---|---|---|
| P/E Trailing (Diluted) | 16.98× | 16.24× | — | — | — | — |
| P/S | 21.81× | 21.37× | — | — | — | — |
| P/B | 1.06× | 1.04× | 1.04× | 0.98× | 0.97× | 0.98× |
Income Statement
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2025 |
|---|---|---|---|---|---|---|
| Revenue from Contract with Customer, Excluding Assessed Tax | 3.84M | 4.56M | 3.63M | 3.97M | 3.65M | — |
| Income Tax Expense (Benefit) | 416.00K | 1.58M | 1.28M | 1.69M | 1.65M | — |
| Net Income (Loss) Attributable to Parent | 5.29M | 3.74M | 4.33M | 6.45M | 5.76M | — |
| Earnings Per Share, Basic | $0.22 | $0.16 | $0.18 | $0.26 | $0.23 | — |
| Weighted Average Number of Shares Outstanding, Basic | 24.10M | 24.47M | 24.47M | 24.51M | 24.81M | — |
| Earnings Per Share, Diluted | $0.22 | $0.16 | $0.18 | $0.26 | $0.23 | — |
| Weighted Average Number of Shares Outstanding, Diluted | 24.34M | 24.57M | 24.59M | 24.57M | 24.94M | — |
Balance Sheet
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2025 |
|---|---|---|---|---|---|---|
| Assets | 2.22B | 2.15B | 2.24B | 2.10B | 2.07B | 1.98B |
| Liabilities | 1.89B | 1.83B | 1.93B | 1.78B | 1.76B | 1.68B |
| Stockholders' Equity Attributable to Parent | 328.58M | 323.86M | 314.20M | 314.25M | 310.70M | 304.55M |
| Common Stock, Shares, Outstanding | 25.08M | 25.07M | 25.08M | 25.56M | 25.85M | 25.98M |
Cash Flow Statement
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2025 |
|---|---|---|---|---|---|---|
| Net Cash Provided by (Used in) Operating Activities | -161.00K | 5.67M | 5.44M | 1.54M | -3.53M | — |
| Net Cash Provided by (Used in) Investing Activities | -37.93M | 585.00K | -126.37M | -89.26M | -45.65M | — |
| Payments for Repurchase of Common Stock | — | 417.00K | 10.88M | 4.88M | 1.57M | — |
| Net Cash Provided by (Used in) Financing Activities | 61.35M | -101.14M | 252.96M | 113.27M | 92.28M | — |
Raw XBRL tagging for a single filing
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Methodology
All facts on this page come straight from SEC EDGAR XBRL
company-facts filings (PBFS CIK 0001769663),
grouped by financial statement using FASB's base
us-gaap presentation taxonomy. Filers may re-parent
concepts onto different statements in their own extension
taxonomy, so a handful of rows can show up under a different
statement than on the actual 10-K / 10-Q; custom concepts and
any we couldn't map fall into Other. Hover a
cell to see the fully-qualified concept name and the filer's
description.
For the full methodology — statement grouping, the Other bucket, derived metrics, and fact tooltips — see the methodology reference for the statement grouping, the "Other" bucket, derived metrics, and fact tooltips.