Reading the annual reports…
First time this company is opened: we are analysing its official reports. This can take up to a minute; after that the page loads instantly.
First time this company is opened: we are analysing its official reports. This can take up to a minute; after that the page loads instantly.
PBFS · Nasdaq · United States · Savings Institutions, Not Federally Chartered
In shortPioneer Bancorp, Inc./MD is profitable.
Financial health
Strong
Built from five areas over the last five annual reports. Tap an area to see the figures behind it. Bank or insurer: tests that do not apply to them are left out.
| Operating marginShare of each sale left after running the business, before interest and tax. | – | n/a |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | 128.3% | 100/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 6.5% | 33/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 70.3% | n/a |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | 0.55× | n/a |
| Years with positive free cash flow (last 5) | 5 of 5 | n/a |
Weight in the score: 20%
| Profitable years (last 5) | 5 of 5 | 100/100 |
|---|---|---|
| Years of revenue decline (last 5) | 1 of 5 | 67/100 |
| Revenue growth volatility | 6.4% | 87/100 |
| Operating margin volatility | – | n/a |
Weight in the score: 20%
| Revenue growth, 3-year average | 6.1% | 51/100 |
|---|---|---|
| EPS growth, 3-year average | 26.5% | 100/100 |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
3 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | 13 | 13 | 13 | 15 | 16 |
| Interest expense | 2.1 | 1.5 | 5.5 | 22 | – |
| Pre-tax income | 2.7 | 13 | 28 | 19 | 26 |
| Income tax | 1.6 | 3.1 | 5.9 | 4.1 | 6.2 |
| Net income | 1.1 | 10 | 22 | 15 | 20 |
| Diluted EPS | $0.04 | $0.41 | $0.87 | $0.61 | $0.83 |
| Diluted shares (millions) | 25 | 25 | 25 | 25 | 25 |
3 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 8 reported quarters (10-Q and 10-K filings), in USD millions. The fourth quarter is derived from the annual report.
The last 8 quarters of Pioneer Bancorp, Inc./MD are included in the Investor plan. Try free for 7 days →
Not computed: the model does not apply to banks and insurers.
5/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Jun 30, 2026 · Data updated Aug 10, 2026