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) Updated Dec 31, 2025 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 2026-04-22

Pioneer Bancorp’s balance-sheet expansion is doing more of the work than cash generation in reported earnings growth

FY2025 earnings quality softened: net income rose to $20.3M from $15.3M in FY2024. Operating cash flow moved the other way, falling to $11.1M from $23.8M; paired with $11.3M of buybacks and a $151.8M financing inflow, that suggests FY2025 capital deployment relied less on internally generated cash and more on balance-sheet funding movements.

Returns are being amplified by leverage rather than by high asset profitability. FY2025 return on assets was only 0.9%, yet return on equity reached 6.3%; with liabilities of $1.83B against equity of $323.9M, small shifts in asset performance can meaningfully change shareholder returns. Its debt-to-equity ratio stayed above 5x in each of the last three years, so equity is a thinner shock absorber than the asset base alone might suggest.

The liquidity buffer has thinned as the balance sheet grew. Cash declined from $376.1M in FY2022 to $133.7M in FY2025, while assets reached $2.15B, so the company is carrying more earning assets with a smaller cash cushion than earlier in the period. Retained earnings kept rising, but more of the balance sheet appears committed to ongoing asset deployment instead of sitting in cash.

Financial Health Signals

Financial Profile 29/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). 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.

Growth

Pioneer Bancorp Inc Md's revenue grew 5.8% year-over-year to $15.8M, a solid pace of expansion. This earns a growth score of 51/100.

Leverage

Pioneer Bancorp Inc Md has elevated debt relative to equity (D/E of 5.64), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Returns

Pioneer Bancorp Inc Md generates a 6.3% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 25/100. This is up from 5.1% the prior year.

Piotroski F-Score Neutral

4/9

Pioneer Bancorp Inc Md passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 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	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$4.6M+25.6%	$3.6M-8.7%	$4.0M+8.8%	$3.7M	N/A	$3.8M+4.4%	$3.7M+0.6%	$3.6M
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	$8.6M+0.4%	$8.6M+0.6%	$8.5M+2.6%	$8.3M	N/A	$7.7M+2.8%	$7.5M+0.9%	$7.4M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$8.1M+0.6%	$8.1M+9.3%	$7.4M+9.4%	$6.8M	N/A	$6.5M+1.9%	$6.4M+10.0%	$5.8M
Income Tax	$1.6M+23.8%	$1.3M-24.1%	$1.7M+1.9%	$1.7M	N/A	$1.9M+71.6%	$1.1M-17.7%	$1.3M
Net Income	$3.7M-13.6%	$4.3M-32.9%	$6.5M+11.9%	$5.8M	N/A	$6.3M+60.5%	$3.9M-16.7%	$4.7M
EPS (Diluted)	N/A	$0.18-30.8%	$0.26+13.0%	$0.23	N/A	$0.25+56.3%	$0.16-15.8%	$0.19

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	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$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-4.4%	$2.0B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$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-33.0%	$246.5M
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	$9.6M-11.8%	$10.9M0.0%	$10.9M0.0%	$10.9M0.0%	$10.9M0.0%	$10.9M0.0%	$10.9M0.0%	$10.9M
Total Liabilities	$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-5.6%	$1.7B
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	$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+2.6%	$289.0M
Retained Earnings	$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+1.5%	$184.9M

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	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$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+173.4%	$3.3M
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	$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+122.6%	-$21.0M
Financing Cash Flow	-$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-176.4%	$124.6M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$417K-93.0%	$6.0M+81.2%	$3.3M+110.5%	$1.6M-18.6%	$1.9M+58.9%	$1.2M	N/A	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	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
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	82.1%-37.2pp	119.3%-43.0pp	162.3%+4.5pp	157.8%	N/A	165.1%+57.7pp	107.4%-22.3pp	129.7%
Return on Equity	1.2%-0.2pp	1.4%-0.7pp	2.1%+0.2pp	1.8%	N/A	2.1%+0.8pp	1.3%-0.3pp	1.6%
Return on Assets	0.2%-0.0pp	0.2%-0.1pp	0.3%+0.0pp	0.3%	N/A	0.3%+0.1pp	0.2%-0.0pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	5.64-0.5	6.14+0.5	5.67+0.0	5.66+0.2	5.50-0.1	5.63+0.2	5.39-0.5	5.86
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 9, indicating neutral financial health. 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 29 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.