PBFS

MKT CAP:$361M

Pioneer Bancorp, Inc.

Market Cap

$361M

Financial Services·Banks - Regional·🇺🇸 United States·NASDAQ

Financials·Banks - Regional·🇺🇸·NASDAQ

Stock Price

$14.01+$0.70 (+5.26%)

Apr 22, 2026

Company Details

Pioneer Bancorp, Inc. operates as a holding company for Pioneer Savings Bank that provides various banking products and services in New York. The company accepts various deposit products, such as demand, savings, and money market accounts, ...

CEO

Thomas L. Amell

IPO Date

Jul 18, 2019

Website

www.pioneerny.com

Key Metrics TTM

Revenue

$127M

+12.9% YoY

Net Income

$20M

EPS (Diluted)

$0.82

Free Cash Flow

$9M

Revenue / Share

$5.21

Gross Margin

73.1%

Operating Margin

20.9%

Net Margin

16.0%

FCF Margin

6.9%

P/S

2.8x

P/E

17.8x

Earnings Reports

Q3 2026

Apr 30, 2026

PENDING

Q2 2026

Mar 12, 2026

$33M+13.9%EPS $0.15

Q1 2026

Nov 7, 2025

$32M+12.7%EPS $0.18

FY 2025

Dec 31, 2024

$88M-10.7%EPS $0.76

Q4 2025

Aug 8, 2025

$32M+16.8%EPS $0.26

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q3 22	$14M	$14M	$456.0K
Q4 22	$15M	$16M	$3M
Q1 23	$19M	$18M	$6M
Q2 23	$22M	$21M	$8M
Q3 23	$22M	$21M	$8M
Q4 23	$22M	$19M	$6M
Q1 24	$24M	$19M	$4M
Q2 24	$20M	$14M	$4M
Q3 24	$27M	$21M	$6M
Q4 24	$27M	$20M	$5M
Q1 25	$28M	$23M	$8M
Q2 25	$29M	$0	$4M
Q3 25	$30M	$22M	$7M
Q4 25	$32M	$23M	$8M
Q1 26	$32M	$23M	$6M
Q2 26	$33M	$24M	$5M

Valuation

Quarter	P/S	P/E
Q3 22	4.7x	60.7x
Q4 22	4.3x	24.3x
Q1 23	3.9x	17.6x
Q2 23	4.1x	20.3x
Q3 23	3.1x	12.3x
Q4 23	2.7x	10.4x
Q1 24	2.4x	10.6x
Q2 24	2.7x	14.1x
Q3 24	2.5x	15.0x
Q4 24	2.6x	17.1x
Q1 25	2.7x	15.3x
Q2 25	2.6x	15.9x
Q3 25	2.5x	15.1x
Q4 25	2.5x	13.7x
Q1 26	2.6x	15.9x
Q2 26	2.7x	16.6x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q3 22	$23M	$23M
Q4 22	$21M	$21M
Q1 23	$8M	$8M
Q2 23	$2M	$2M
Q3 23	$2M	$2M
Q4 23	$14M	$13M
Q1 24	$12M	$12M
Q2 24	-$943.0K	-$1M
Q3 24	$3M	$3M
Q4 24	$9M	$9M
Q1 25	$2M	$2M
Q2 25	$18M	$17M
Q3 25	-$4M	-$5M
Q4 25	$5M	$5M
Q1 26	$4M	$4M
Q2 26	$6M	$5M

Capital Expenditures

Quarter	CapEx
Q3 22	$128.0K
Q4 22	$132.0K
Q1 23	$65.0K
Q2 23	$13.0K
Q3 23	$92.0K
Q4 23	$281.0K
Q1 24	$373.0K
Q2 24	$161.0K
Q3 24	$103.0K
Q4 24	$201.0K
Q1 25	$120.0K
Q2 25	$633.0K
Q3 25	$1M
Q4 25	$508.0K
Q1 26	$227.0K
Q2 26	$217.0K

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q3 22	-7.8%	+0.1%
Q4 22	+9.5%	-28.1%
Q1 23	+37.5%	+3.8%
Q2 23	+48.1%	+107.0%
Q3 23	+59.0%	+7.2%
Q4 23	+44.0%	+33.3%
Q1 24	+24.9%	+55.3%
Q2 24	-7.1%	+17.3%
Q3 24	+24.1%	+48.3%
Q4 24	+22.6%	+34.6%
Q1 25	+20.1%	+4.5%
Q2 25	+43.1%	+52.4%
Q3 25	+8.1%	+4.1%
Q4 25	+16.8%	+6.6%
Q1 26	+12.7%	+30.5%
Q2 26	+13.9%	+11.7%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q3 22	$140.0K	1.0%
Q4 22	$129.0K	0.8%
Q1 23	$122.0K	0.6%
Q2 23	$139.0K	0.6%
Q3 23	$140.0K	0.6%
Q4 23	$112.0K	0.5%
Q1 24	$117.0K	0.5%
Q2 24	$112.0K	0.5%
Q3 24	$122.0K	0.4%
Q4 24	$275.0K	1.0%
Q1 25	$481.0K	1.7%
Q2 25	$0	0.0%
Q3 25	$499.0K	1.7%
Q4 25	$500.0K	1.6%
Q1 26	$446.0K	1.4%
Q2 26	$0	0.0%

OpEx Breakdown

Quarter	G&A	S&M
Q3 22	$7M	$149.0K
Q4 22	$8M	$134.0K
Q1 23	$7M	$141.0K
Q2 23	$8M	$294.0K
Q3 23	$8M	$176.0K
Q4 23	$7M	$214.0K
Q1 24	$7M	$141.0K
Q2 24	$8M	$212.0K
Q3 24	$8M	$164.0K
Q4 24	$8M	$212.0K
Q1 25	$8M	$224.0K
Q3 25	$9M	$243.0K
Q4 25	$2M	$306.0K
Q1 26	$9M	$239.0K
Q2 26	$11M	—

War Chest

Quarter	Cash	Short-term Investments	Total
Q3 22	$462M	$418M	$879M
Q4 22	$373M	$482M	$854M
Q1 23	$399M	$514M	$913M
Q2 23	$141M	$508M	$649M
Q3 23	$142M	$504M	$646M
Q4 23	$148M	$432M	$580M
Q1 24	$214M	$412M	$626M
Q2 24	$136M	$320M	$457M
Q3 24	$245M	$297M	$542M
Q4 24	$152M	$257M	$409M
Q1 25	$223M	$263M	$485M
Q2 25	$97M	$0	$97M
Q3 25	$138M	$133M	$271M
Q4 25	$119M	$288M	$408M
Q1 26	$229M	$255M	$483M
Q2 26	$134M	$220M	$354M

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q3 22	25M	+0.1%	+0.2%
Q4 22	25M	+0.1%	+0.3%
Q1 23	25M	+0.0%	+0.3%
Q2 23	25M	0.0%	+0.2%
Q3 23	25M	+0.1%	+0.2%
Q4 23	25M	+0.1%	+0.1%
Q1 24	25M	+0.1%	+0.2%
Q2 24	25M	+0.1%	+0.2%
Q3 24	25M	+0.1%	+0.2%
Q4 24	25M	-0.0%	+0.1%
Q1 25	25M	-0.2%	-0.2%
Q2 25	25M	+0.5%	+0.2%
Q3 25	25M	-1.3%	-1.1%
Q4 25	25M	-1.5%	-2.5%
Q1 26	25M	+0.2%	-2.1%
Q2 26	24M	-1.4%	-3.9%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q3 22	$59.5K	233
Q4 22	$63.3K	244
Q1 23	$77.9K	244
Q2 23	$89.9K	244
Q3 23	$90.3K	244
Q4 23	$91.5K	243
Q1 24	$97.7K	243
Q2 24	$83.8K	243
Q3 24	$112.5K	243
Q4 24	$107.7K	253
Q1 25	$112.6K	253
Q2 25	$115.2K	253
Q3 25	$116.9K	253
Q4 25	$125.7K	253
Q1 26	$126.9K	253
Q2 26	$129.1K	257

Revenue / Employee