PBFS Pioneer Bancorp, Inc. - Common Stock
$14.94
Price · May 20, 2026
Fundamentals as of May 11, 2026
52W Range
$11–$15
94% of range
Analyst Rating
—
Price Target
—
P/E (TTM)
16.2
ROE
6.4%
Net Profit Margin
128.3%
PBFS Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$14.94
Market Cap
$338M
P/E (TTM)
16.2
EPS (TTM)
$0.83
Revenue (TTM)
$16M
Div Yield
—
ROE
6.4%
Debt/Equity
—
52W Range
$11 – $15
PBFS Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue & Net Income
$16M
2019-06-30
→
2025-12-31
EPS
$0.83
2020-06-30
→
2025-12-31
Free Cash Flow
—
2019-06-30
→
2023-06-30
Margins
128.3%
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
Metric
5Y trend
PBFS
Peer Median
P/E (TTM)
16.2
11.5
P/S (TTM)
21.4
2.0
P/B
1.0
1.0
Profitability Gross, operating and net margins; ROE, ROA, ROIC
Metric
5Y trend
PBFS
Peer Median
Net Profit Margin
128.3%
25.2%
ROA
0.98%
0.95%
ROE
6.4%
8.2%
Financial Health Debt, liquidity, solvency — balance sheet strength
Metric
5Y trend
PBFS
Peer Median
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
Metric
5Y trend
PBFS
Peer Median
Revenue YoY
15.2%
—
Revenue CAGR 3Y
5.4%
—
EPS YoY
-29.9%
—
Net Income YoY
-30.5%
—
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
Metric
5Y trend
PBFS
Peer Median
Peer Comparison Key metrics vs sector peers
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| PBFS | $338M | 16.2 | 15.2% | 128.3% | 6.4% | — |
| CBK | $336M | 8.3 | 2.1% | 41.2% | 14.7% | — |
| AVBC | $337M | -93.4 | 14.7% | -3.2% | -1.1% | — |
| FMAO | $340M | 10.2 | 19.6% | 27.4% | 9.2% | — |
| CZNC | $359M | 12.3 | 13.3% | 19.1% | 7.5% | — |
| PLBC | $311M | 9.8 | — | 30.1% | 13.0% | — |
| PKBK | — | 7.9 | 26.8% | 47.3% | 11.9% | — |
| CARE | $434M | 14.2 | 4.7% | 154.4% | 7.6% | — |
| TFC | $62.13B | 12.9 | 53.0% | 26.1% | 8.2% | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement 11
| Metric | Trend | 2025 | 2024 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | $16M | · | $15M | $13M | $13M | $13M | $13M | $13M | |
| Interest Expense | · | · | $22M | $5M | $1M | $2M | $5M | $4M | |
| Interest Income | $110M | · | $88M | $71M | $44M | $44M | $54M | $54M | |
| Pretax Income | $26M | · | $19M | $28M | $13M | $3M | $6M | $8M | |
| Income Tax | $6M | · | $4M | $6M | $3M | $2M | $797.0K | $737.0K | |
| Net Income | $20M | · | $15M | $22M | $10M | $1M | $5M | $7M | |
| EPS (Basic) | $0.83 | · | $0.61 | $0.87 | $0.41 | $0.04 | $0.21 | · | |
| EPS (Diluted) | $0.83 | · | $0.61 | $0.87 | $0.41 | $0.04 | $0.21 | · | |
| Shares (Basic) | 24,471,179 | · | 25,193,848 | 25,169,382 | 25,131,195 | 25,067,550 | · | · | |
| Shares (Diluted) | 24,566,658 | · | 25,223,114 | 25,169,382 | 25,131,195 | 25,067,550 | · | · | |
| EBITDA | $2M | · | $2M | $2M | $2M | $3M | $3M | $2M |
Balance Sheet 14
| Metric | Trend | 2025 | 2024 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | · | · | · | · | · | $325M | $157M | $230M | |
| PP&E (Net) | $32M | $31M | $34M | $36M | $38M | $39M | $41M | $42M | |
| PP&E (Gross) | · | · | · | · | $56M | $55M | $55M | $54M | |
| Accum. Depreciation | $22M | $21M | $21M | $20M | $19M | $16M | $14M | $12M | |
| Goodwill | $10M | $11M | $11M | $9M | $9M | $7M | $7M | $7M | |
| Intangibles | $3M | $3M | $3M | $2M | $2M | $2M | $2M | $3M | |
| Total Assets | $2.15B | $1.98B | $1.90B | $1.86B | $1.96B | $1.80B | $1.53B | $1.47B | |
| Total Liabilities | $1.83B | $1.68B | $1.60B | $1.59B | $1.72B | $1.56B | $1.30B | $1.35B | |
| Common Stock | $251.0K | $260.0K | $263.0K | $260.0K | $260.0K | $260.0K | $260.0K | · | |
| Retained Earnings | $203M | $194M | $188M | $173M | $151M | $141M | $140M | $134M | |
| AOCI | $14M | $6M | $5M | $-10M | $-11M | $-5M | $-17M | $-11M | |
| Stockholders' Equity | $324M | $305M | $297M | $267M | $243M | $238M | $224M | $123M | |
| Liabilities + Equity | $2.15B | $1.98B | $1.90B | $1.86B | $1.96B | $1.80B | $1.53B | $1.47B | |
| Shares Outstanding | 25,072,214 | 25,978,904 | 26,261,293 | 25,977,679 | 25,977,679 | 25,977,679 | 25,977,679 | 0 |
Cash Flow 16
| Metric | Trend | 2025 | 2024 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|---|
| D&A | $2M | · | $2M | $2M | $2M | $2M | $3M | $2M | |
| Stock-based Comp | $1M | · | $154.0K | · | · | · | · | · | |
| Deferred Tax | $-2M | · | $-188.0K | $855.0K | $708.0K | $-1M | $-3M | $-63.0K | |
| Amort. of Intangibles | $474.0K | · | $534.0K | $398.0K | $357.0K | $316.0K | $364.0K | $351.0K | |
| Other Non-cash | $-10M | · | $7M | $1M | $37M | $30M | $-2M | $-15M | |
| Operating Cash Flow | $11M | · | $24M | $26M | $50M | $33M | $2M | $6M | |
| CapEx | · | · | · | $451.0K | $780.0K | $596.0K | $2M | $2M | |
| Investing Cash Flow | $-126M | · | $-18M | $-115M | $-148M | $-125M | $-109M | $-78M | |
| Stock Issued | · | · | · | · | · | · | $109M | · | |
| Stock Repurchased | $11M | · | $1M | · | · | · | · | · | |
| Net Stock Activity | $-11M | · | $-1M | · | · | · | $109M | · | |
| Financing Cash Flow | $152M | · | $9M | $-137M | $149M | $261M | $34M | $182M | |
| Net Change in Cash | $37M | · | $15M | $-226M | $51M | $168M | $-73M | $110M | |
| Taxes Paid | $9M | · | $5M | $5M | $2M | $2M | $2M | $5M | |
| Free Cash Flow | · | · | · | $26M | $49M | $32M | $322.0K | $4M | |
| Levered FCF | · | · | · | $21M | $48M | $31M | $-4M | $272.4K |
Profitability 5
| Metric | Trend | 2025 | 2024 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 128.3% | · | 102.0% | 169.1% | 77.7% | 8.4% | 41.4% | 29.7% | |
| Pretax Margin | 167.5% | · | 129.8% | 214.7% | 100.8% | 20.8% | 47.8% | 37.2% | |
| EBITDA Margin | 12.0% | · | 14.0% | 17.7% | 18.1% | 19.9% | 20.2% | 3.8% | |
| ROA | 0.98% | · | 0.81% | 1.1% | 0.55% | 0.06% | · | 1.4% | |
| ROE | 6.4% | · | 5.2% | 8.3% | 4.3% | 0.46% | · | 14.3% |
Efficiency 1
| Metric | Trend | 2025 | 2024 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | · | 0.0 | 0.0 | 0.0 | 0.0 | · | 0.0 |
Growth Rates 6
| Metric | Trend | 2025 | 2024 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | · | · | 15.2% | -1.9% | 3.6% | 1.7% | · | · | |
| Revenue CAGR 3Y | · | · | 5.4% | 1.1% | · | · | · | · | |
| EPS YoY | · | · | -29.9% | 112.2% | 925.0% | -81.0% | · | · | |
| EPS CAGR 3Y | · | · | 148.0% | 60.6% | · | · | · | · | |
| Net Income YoY | · | · | -30.5% | 113.5% | 854.4% | -79.3% | · | · | |
| Net Income CAGR 3Y | · | · | 142.0% | 61.6% | · | · | · | · |
Valuation (TTM) 10
| Metric | Trend | 2025 | 2024 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $16M | · | $15M | $13M | $13M | $13M | $13M | $13M | |
| Net Income TTM | $20M | · | $15M | $22M | $10M | $1M | $5M | $7M | |
| Market Cap | $338M | · | $263M | $233M | $255M | $312M | · | · | |
| P/E | 16.2 | · | 16.4 | 10.3 | 23.9 | 300.5 | 43.6 | · | |
| P/S | 21.4 | · | 17.6 | 17.9 | 19.2 | 24.5 | · | · | |
| P/B | 1.0 | · | 0.9 | 0.9 | 1.0 | 1.3 | · | · | |
| P / Tangible Book | 1.1 | · | 0.9 | 0.9 | 1.1 | 1.4 | 1.1 | · | |
| P / Cash Flow | 30.4 | · | 11.0 | 8.9 | 5.1 | 9.6 | · | · | |
| P / FCF | · | · | · | 9.0 | 5.2 | 9.7 | · | · | |
| Earnings Yield | 6.2% | · | 6.1% | 9.7% | 4.2% | 0.33% | 2.3% | · |
Income Statement 10
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q1 2024 | Q4 2024 | Q3 2024 | Q2 2023 | Q1 2023 | Q4 2023 | Q3 2023 | Q2 2022 | Q1 2022 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $4M | $5M | $4M | $4M | $4M | $4M | $4M | $4M | $4M | $3M | $3M | $3M | $4M | $3M | $3M | $3M | |
| Interest Expense | · | · | · | · | · | $6M | · | $6M | $5M | $4M | $3M | $1M | $844.0K | $518.0K | $384.0K | $339.0K | |
| Interest Income | $28M | $28M | $28M | $27M | $26M | $24M | $17M | $23M | $21M | $20M | $19M | $19M | $18M | $15M | $12M | $10M | |
| Pretax Income | $6M | $5M | $6M | $8M | $7M | $8M | $127.0K | $6M | $4M | $4M | $6M | $8M | $8M | $6M | $3M | $456.0K | |
| Income Tax | $416.0K | $2M | $1M | $2M | $2M | $2M | $-176.0K | $1M | $822.0K | $890.0K | $1M | $2M | $2M | $1M | $687.0K | $154.0K | |
| Net Income | $5M | $4M | $4M | $6M | $6M | $6M | $303.0K | $5M | $3M | $3M | $5M | $6M | $6M | $5M | $2M | $302.0K | |
| EPS (Basic) | $0.22 | $0.16 | $0.18 | $0.26 | $0.23 | $0.25 | $0.01 | $0.19 | $0.13 | $0.14 | $0.17 | $0.24 | $0.25 | $0.21 | $0.10 | $0.01 | |
| EPS (Diluted) | $0.22 | $0.16 | $0.18 | $0.26 | $0.23 | $0.25 | $0.01 | $0.19 | $0.13 | $0.14 | $0.17 | $0.24 | $0.25 | $0.21 | $0.10 | $0.01 | |
| Shares (Basic) | 24,101,429 | -49,322,970 | 24,470,461 | 24,510,936 | 24,812,752 | 25,081,864 | -50,288,150 | 25,220,299 | 25,207,569 | 25,194,841 | -50,300,577 | 25,169,382 | 25,156,653 | 25,143,924 | -50,186,017 | 25,118,467 | |
| Shares (Diluted) | 24,342,965 | -49,530,905 | 24,593,205 | 24,567,328 | 24,937,030 | 25,150,650 | -50,356,936 | 25,220,299 | 25,207,569 | 25,194,841 | -50,300,577 | 25,169,382 | 25,156,653 | 25,143,924 | -50,186,017 | 25,118,467 |
Balance Sheet 12
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q1 2024 | Q4 2024 | Q3 2024 | Q2 2023 | Q1 2023 | Q4 2023 | Q3 2023 | Q2 2022 | Q1 2022 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PP&E (Net) | · | $32M | · | · | · | · | · | · | · | · | $36M | $42M | $43M | $43M | $38M | $38M | |
| Accum. Depreciation | · | $22M | · | · | · | · | · | · | · | · | $20M | · | · | · | $19M | · | |
| Goodwill | $10M | $10M | $11M | $11M | $11M | $11M | $11M | $11M | $11M | $11M | $9M | $9M | $9M | $9M | $9M | $9M | |
| Intangibles | · | $3M | · | · | · | · | · | · | · | · | $2M | · | · | · | $2M | · | |
| Total Assets | $2.22B | $2.15B | $2.24B | $2.10B | $2.07B | $2.01B | · | $1.98B | $1.85B | $1.96B | $1.86B | $1.86B | $1.83B | $2.07B | $1.96B | $1.97B | |
| Total Liabilities | $1.89B | $1.83B | $1.93B | $1.78B | $1.76B | $1.71B | · | $1.69B | $1.57B | $1.69B | $1.59B | $1.60B | $1.58B | $1.83B | $1.72B | $1.74B | |
| Common Stock | $251.0K | $251.0K | $251.0K | $255.0K | $258.0K | $261.0K | · | $260.0K | $260.0K | $260.0K | $260.0K | $260.0K | $260.0K | $260.0K | $260.0K | $260.0K | |
| Retained Earnings | $208M | $203M | $200M | $201M | $198M | $193M | · | $185M | $180M | $177M | $173M | $169M | $163M | $156M | $151M | $149M | |
| AOCI | $13M | $14M | $8M | $7M | $7M | $7M | · | $500.0K | $181.0K | $-9M | $-10M | $-12M | $-16M | $-17M | $-11M | $-14M | |
| Stockholders' Equity | $329M | $324M | $314M | $314M | $311M | $304M | $297M | $289M | $284M | $272M | $267M | $260M | $250M | $242M | $243M | $237M | |
| Liabilities + Equity | $2.22B | $2.15B | $2.24B | $2.10B | $2.07B | $2.01B | · | $1.98B | $1.85B | $1.96B | $1.86B | $1.86B | $1.83B | $2.07B | $1.96B | $1.97B | |
| Shares Outstanding | 25,076,801 | 25,072,214 | 25,083,829 | 25,557,955 | 25,853,091 | 26,146,904 | 26,261,293 | 25,977,679 | 25,977,679 | 25,977,679 | 25,977,679 | 25,977,679 | 25,977,679 | 25,977,679 | 25,977,679 | 25,977,679 |
Cash Flow 13
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q1 2024 | Q4 2024 | Q3 2024 | Q2 2023 | Q1 2023 | Q4 2023 | Q3 2023 | Q2 2022 | Q1 2022 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $608.0K | $121.0K | $595.0K | $554.0K | $583.0K | $593.0K | $687.0K | $639.0K | $645.0K | $671.0K | $654.0K | $661.0K | $691.0K | $692.0K | $697.0K | $688.0K | |
| Stock-based Comp | $360.0K | $279.0K | $283.0K | $362.0K | $351.0K | $343.0K | $-343.0K | · | · | · | · | · | · | · | · | · | |
| Deferred Tax | $-1M | $43.0K | $-1M | $-2M | $-389.0K | $638.0K | $-830.0K | $-569.0K | $-33.0K | $37.0K | $279.0K | $-189.0K | $522.0K | $243.0K | $153.0K | $-447.0K | |
| Operating Cash Flow | $-161.0K | $6M | $4M | $-374.0K | $-4M | $3M | $10M | $3M | $-943.0K | $12M | $14M | $2M | $2M | $8M | $21M | $23M | |
| CapEx | · | · | · | · | · | · | · | · | · | · | · | · | · | $65.0K | $132.0K | $128.0K | |
| Investing Cash Flow | $-38M | $585.0K | $-37M | $-30M | $-46M | $-74M | $58M | $-21M | $37M | $-39M | $11M | $-29M | $-20M | $-77M | $-81M | $-38M | |
| Stock Repurchased | · | $417.0K | $6M | $4M | $2M | $1M | $-1M | · | · | · | · | · | · | · | · | · | |
| Net Stock Activity | · | · | · | · | $-2M | $-1M | · | · | · | · | · | · | · | · | · | · | |
| Financing Cash Flow | $61M | $-101M | $140M | $-4M | $92M | $167M | $-138M | $125M | $-113M | $93M | $-19M | $24M | $-238M | $96M | $-29M | $131M | |
| Net Change in Cash | $23M | $-95M | $106M | $-34M | $43M | $96M | $-71M | $107M | $-77M | $66M | $5M | $-2M | $-256M | $27M | $-89M | $116M | |
| Taxes Paid | · | $3M | $3M | $2M | · | $-2M | $4M | $0 | $2M | $1M | $3M | $0 | $1M | $900.0K | $500.0K | $0 | |
| Free Cash Flow | · | · | · | · | · | · | · | · | · | · | · | · | · | $8M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | · | · | · | · | $7M | · | · |
Profitability 4
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q1 2024 | Q4 2024 | Q3 2024 | Q2 2023 | Q1 2023 | Q4 2023 | Q3 2023 | Q2 2022 | Q1 2022 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 137.7% | · | 119.3% | 162.3% | 157.8% | 165.1% | · | 129.7% | 76.4% | 98.3% | · | 186.3% | 172.7% | 159.6% | · | 9.3% | |
| Pretax Margin | 148.5% | · | 154.5% | 204.8% | 203.1% | 214.6% | · | 166.5% | 96.1% | 123.9% | · | 237.1% | 222.8% | 198.0% | · | 14.0% | |
| ROA | 0.25% | · | 0.20% | 0.33% | 0.28% | 0.32% | · | 0.25% | 0.17% | 0.17% | · | 0.31% | 0.34% | 0.26% | · | 0.02% | |
| ROE | 1.7% | · | 1.4% | 2.2% | 1.9% | 2.2% | · | 1.7% | 1.2% | 1.3% | · | 2.4% | 2.5% | 2.2% | · | 0.13% |
Efficiency 1
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q1 2024 | Q4 2024 | Q3 2024 | Q2 2023 | Q1 2023 | Q4 2023 | Q3 2023 | Q2 2022 | Q1 2022 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | · | 0.0 | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Valuation (TTM) 10
| Metric | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q1 2024 | Q4 2024 | Q3 2024 | Q2 2023 | Q1 2023 | Q4 2023 | Q3 2023 | Q2 2022 | Q1 2022 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $15M | · | $15M | $15M | $15M | · | · | · | $14M | $14M | · | $13M | $14M | $13M | · | $14M | |
| Net Income TTM | $22M | · | $23M | $25M | $22M | · | · | · | $19M | $21M | · | $18M | $18M | $13M | · | $9M | |
| Market Cap | $349M | · | $328M | $307M | $303M | $287M | · | $255M | $260M | $222M | · | $256M | $296M | $247M | · | $273M | |
| P/E | 15.6 | · | 14.2 | 12.2 | 13.2 | · | · | · | 13.2 | 10.2 | · | 13.9 | 15.8 | 18.3 | · | 29.2 | |
| P/S | 23.1 | · | 21.7 | 20.1 | 20.3 | · | · | · | 18.0 | 16.3 | · | 19.2 | 21.6 | 18.7 | · | 20.0 | |
| P/B | 1.1 | · | 1.0 | 1.0 | 1.0 | 0.9 | · | 0.9 | 0.9 | 0.8 | · | 1.0 | 1.2 | 1.0 | · | 1.2 | |
| P / Tangible Book | 1.1 | · | 1.1 | 1.0 | 1.0 | 1.0 | · | 0.9 | 1.0 | 0.9 | · | 1.0 | 1.2 | 1.1 | · | 1.2 | |
| P / Cash Flow | -2168.1 | · | · | · | -85.9 | 150.1 | · | · | · | 17.8 | · | · | · | 31.1 | · | · | |
| P / FCF | · | · | · | · | · | · | · | · | · | · | · | · | · | 31.4 | · | · | |
| Earnings Yield | 6.4% | · | 7.0% | 8.2% | 7.6% | · | · | · | 7.6% | 9.8% | · | 7.2% | 6.3% | 5.5% | · | 3.4% |
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
Income Statement
| 2025-12-31 | 2024-12-31 | 2024-06-30 | 2023-06-30 | 2022-06-30 | |
|---|---|---|---|---|---|
| Revenue | $16M | — | $15M | $13M | $13M |
| Net Income | $20M | — | $15M | $22M | $10M |
| Diluted EPS | $0.83 | — | $0.61 | $0.87 | $0.41 |
Cash Flow
| 2025-12-31 | 2024-12-31 | 2024-06-30 | 2023-06-30 | 2022-06-30 | |
|---|---|---|---|---|---|
| Free Cash Flow | — | — | — | $26M | $49M |
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