Growth & profitability
- Revenue has grown 4.7% per year over the past 5 years.
- Net income has grown faster than revenue (31.3% vs 4.7% per year).
- Free cash flow has grown 43.0% per year over the past 5 years.
PBFS Financials Pioneer Bancorp, Inc./MD
8 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →
RevenueNet income
GrossOperatingNet
ROEROA
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key annual figures
| FY | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| 2025 | $16M | $20M | 0.0% | 0.0% | 6.3% | 0.9% | — | — | $134M |
| 2024 | $15M | $15M | 0.0% | 0.0% | 5.1% | 0.8% | $23M | — | $165M |
| 2023 | $13M | $22M | 0.0% | 0.0% | 8.2% | 1.2% | $26M | — | $150M |
| 2022 | $13M | $10M | 0.0% | 0.0% | 4.2% | 0.5% | $49M | — | $376M |
| 2021 | $13M | $1M | 0.0% | 0.0% | 0.5% | 0.1% | $32M | — | $325M |
| 2020 | $13M | $5M | 0.0% | 0.0% | 2.3% | 0.3% | $322000 | — | $157M |
| 2019 | $13M | $7M | 0.0% | 0.0% | 5.9% | 0.5% | $4M | — | — |
| 2018 | — | $11M | — | — | 9.7% | 0.9% | $15M | — | — |
RevenueNet income
GrossOperatingNet
ROEROA
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key quarterly figures
| Quarter | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| Jun '26 | $4M | $3M | 0.0% | 0.0% | 1.1% | 0.1% | — | — | $95M |
| Mar '26 | $4M | $5M | 0.0% | 0.0% | 1.6% | 0.2% | — | — | $157M |
| Dec '25 | $5M | $4M | 0.0% | 0.0% | 1.2% | 0.2% | — | — | $134M |
| Sep '25 | $4M | $4M | 0.0% | 0.0% | 1.4% | 0.2% | — | — | $229M |
| Jun '25 | $4M | $6M | 0.0% | 0.0% | 2.1% | 0.3% | — | — | $122M |
| Mar '25 | $4M | $6M | 0.0% | 0.0% | 1.9% | 0.3% | — | — | $140M |
| Sep '24 | $4M | $6M | 0.0% | 0.0% | 2.1% | 0.3% | — | — | $225M |
| Jun '24 | $4M | $4M | 0.0% | 0.0% | 1.3% | 0.2% | — | — | $165M |
| Mar '24 | $4M | $5M | 0.0% | 0.0% | 1.6% | 0.2% | — | — | $247M |
| Dec '23 | $4M | $3M | 0.0% | 0.0% | 1.1% | 0.2% | — | — | $140M |
| Sep '23 | $3M | $3M | 0.0% | 0.0% | 1.3% | 0.2% | — | — | $217M |
| Jun '23 | $3M | $5M | 0.0% | 0.0% | 1.7% | 0.2% | — | — | $150M |
| Mar '23 | $3M | $6M | 0.0% | 0.0% | 2.3% | 0.3% | — | — | $145M |
| Dec '22 | $4M | $6M | 0.0% | 0.0% | 2.5% | 0.3% | — | — | $147M |
| Sep '22 | $3M | $5M | 0.0% | 0.0% | 2.2% | 0.3% | $8M | — | $403M |
| Jun '22 | $3M | $2M | 0.0% | 0.0% | 1.0% | 0.1% | $21M | — | $376M |
| Mar '22 | $3M | $302000 | 0.0% | 0.0% | 0.1% | 0.0% | $23M | — | $465M |
| Dec '21 | $4M | $6M | 0.0% | 0.0% | 2.6% | 0.3% | -$460000 | — | $349M |
| Sep '21 | $3M | $1M | 0.0% | 0.0% | 0.6% | 0.1% | $6M | — | $479M |
| Jun '21 | $3M | -$4M | 0.0% | 0.0% | -1.5% | -0.2% | $5M | — | $325M |
Valuation over time
How the market has priced PBFS against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.
- The price-to-earnings ratio has fallen from 23.9× (Mar '23) to 22.1× (Sep '26).
- The price-to-sales ratio has risen from 18.6× (Mar '23) to 28.4× (Sep '26).
P/E
P/S
Frequently asked questions
Is PBFS growing its revenue and profit?
Over the past 5 years, Pioneer Bancorp, Inc./MD's revenue has grown 4.7% per year, and net income grown 31.3% per year. These are computed facts, not advice.
How much debt does PBFS have?
As of FY2025, Pioneer Bancorp, Inc./MD reported — of total debt against $134M of cash.
What is PBFS's profit margin?
In FY2025, gross margin was —, operating margin —, and net margin 128.3%.
What is PBFS's P/E ratio?
As of Sep '26, Pioneer Bancorp, Inc./MD traded at a price-to-earnings ratio of about 22.1× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S have moved with the share price. These are computed facts, not advice.
Where does this data come from?
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.