PBFS Pioneer Bancorp, Inc. - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 10, 2026
$17.77
· of 52w range
· above low
· to high
$12.6452w low
$19.9152w high
Market Cap (MRQ)
$441M
P/E (TTM)
25.4
EPS (TTM)
$0.70
Revenue (TTM)
$16M
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52W Range
$13–$20
Analyst Rating
·
Price Target
·
P/E
25.4
ROE
5.2%
Net Profit Margin
103.4%
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PBFS Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$17.77
Market Cap (MRQ)
$441M
P/E (TTM)
25.4
EPS (TTM)
$0.70
Revenue (TTM)
$16M
ROE (TTM)
5.2%
52W Range
$13–$20
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue$16M2019-06-30 → 2025-12-31
EPS$0.832020-06-30 → 2025-12-31
Free Cash Flow·2019-06-30 → 2023-06-30
Net margin103.4%2019-06-30 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | PBFS | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E (TTM) | 25.45Y avg ≈16.7 | ≈16.7 | 11.7 | Overvalued | |
| P/S (TTM) | 27.15Y avg ≈19.0 | ≈19.0 | 4.0 | Overvalued | |
| P/B (MRQ) | 1.35Y avg ≈1.0 | ≈1.0 | 1.1 | Overvalued | |
| Price / Cash Flow | 40.15Y avg ≈13.8 | ≈13.8 | 10.8 | Overvalued | |
| Price / Tangible Book | 1.45Y avg ≈1.0 | ≈1.0 | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | PBFS | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| EBITDA Margin | 12.0%5Y avg ≈15.5% | ≈15.5% | · | · | |
| Pretax Margin (TTM) | 131.5%5Y avg ≈153.2% | ≈153.2% | 43.0% | Top tier | |
| Net Profit Margin (TTM) | 103.4%5Y avg ≈119.3% | ≈119.3% | 34.3% | Top tier | |
| ROA (TTM) | 0.76%5Y avg ≈0.87% | ≈0.87% | 0.82% | Top tier | |
| ROE (TTM) | 5.2%5Y avg ≈6.0% | ≈6.0% | 6.4% | In line |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | PBFS | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 15.2%5Y avg ≈5.6% | ≈5.6% | · | · | |
| Revenue CAGR 3Y | 5.4% | · | · | · | |
| EPS YoY | -29.9%5Y avg ≈335.8% | ≈335.8% | · | · | |
| Net Income YoY | -30.5%5Y avg ≈312.5% | ≈312.5% | · | · | |
| EPS CAGR 3Y | 148.0% | · | · | · | |
| Net Income CAGR 3Y | 142.0% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | PBFS | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.05Y avg ≈0.0 | ≈0.0 | 0.0 | Weak | |
| Revenue / Employee | ≈$53.1K | · | · | · |
value · ≈ 5Y avg · industry median · verdict relative to median
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $16M | · | $13M | $13M | $13M | $13M | $13M | |
| Interest Expense | · | · | $5M | $1M | $2M | $5M | $4M | |
| Interest Income | $110M | · | $71M | $44M | $44M | $54M | $54M | |
| Pretax Income | $26M | · | $28M | $13M | $3M | $6M | $8M | |
| Income Tax | $6M | · | $6M | $3M | $2M | $797.0K | $737.0K | |
| Net Income | $20M | · | $22M | $10M | $1M | $5M | $7M | |
| EPS (Basic) | $0.83 | · | $0.87 | $0.41 | $0.04 | $0.21 | · | |
| EPS (Diluted) | $0.83 | · | $0.87 | $0.41 | $0.04 | $0.21 | · | |
| Shares (Basic) | 24,471,179 | · | 25,169,382 | 25,131,195 | 25,067,550 | · | · | |
| Shares (Diluted) | 24,566,658 | · | 25,169,382 | 25,131,195 | 25,067,550 | · | · | |
| EBITDA | $2M | · | $2M | $2M | $3M | $3M | $2M |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | · | · | · | · | $325M | $157M | $230M | |
| PP&E (Net) | $32M | $31M | $36M | $38M | $39M | $41M | $42M | |
| PP&E (Gross) | · | · | · | $56M | $55M | $55M | $54M | |
| Accum. Depreciation | $22M | $21M | $20M | $19M | $16M | $14M | $12M | |
| Goodwill | $10M | $11M | $9M | $9M | $7M | $7M | $7M | |
| Intangibles | $3M | $3M | $2M | $2M | $2M | $2M | $3M | |
| Total Assets | $2.15B | $1.98B | $1.86B | $1.96B | $1.80B | $1.53B | $1.47B | |
| Total Liabilities | $1.83B | $1.68B | $1.59B | $1.72B | $1.56B | $1.30B | $1.35B | |
| Common Stock | $251.0K | $260.0K | $260.0K | $260.0K | $260.0K | $260.0K | · | |
| Retained Earnings | $203M | $194M | $173M | $151M | $141M | $140M | $134M | |
| AOCI | $14M | $6M | $-10M | $-11M | $-5M | $-17M | $-11M | |
| Stockholders' Equity | $324M | $305M | $267M | $243M | $238M | $224M | $123M | |
| Liabilities + Equity | $2.15B | $1.98B | $1.86B | $1.96B | $1.80B | $1.53B | $1.47B | |
| Shares Outstanding | 25,072,214 | 25,978,904 | 25,977,679 | 25,977,679 | 25,977,679 | 25,977,679 | 0 |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| D&A | $2M | · | $2M | $2M | $2M | $3M | $2M | |
| Stock-based Comp | $1M | · | · | · | · | · | · | |
| Deferred Tax | $-2M | · | $855.0K | $708.0K | $-1M | $-3M | $-63.0K | |
| Amort. of Intangibles | $474.0K | · | $398.0K | $357.0K | $316.0K | $364.0K | $351.0K | |
| Other Non-cash | $-10M | · | $1M | $37M | $30M | $-2M | $-15M | |
| Operating Cash Flow | $11M | · | $26M | $50M | $33M | $2M | $6M | |
| CapEx | · | · | $451.0K | $780.0K | $596.0K | $2M | $2M | |
| Investing Cash Flow | $-126M | · | $-115M | $-148M | $-125M | $-109M | $-78M | |
| Stock Issued | · | · | · | · | · | $109M | · | |
| Stock Repurchased | $11M | · | · | · | · | · | · | |
| Net Stock Activity | $-11M | · | · | · | · | $109M | · | |
| Financing Cash Flow | $152M | · | $-137M | $149M | $261M | $34M | $182M | |
| Net Change in Cash | $37M | · | $-226M | $51M | $168M | $-73M | $110M | |
| Taxes Paid | $9M | · | $5M | $2M | $2M | $2M | $5M | |
| Free Cash Flow | · | · | $26M | $49M | $32M | $322.0K | $4M | |
| Levered FCF | · | · | $21M | $48M | $31M | $-4M | $272.4K |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 128.3% | · | 169.1% | 77.7% | 8.4% | 41.4% | 29.7% | |
| Pretax Margin | 167.5% | · | 214.7% | 100.8% | 20.8% | 47.8% | 37.2% | |
| EBITDA Margin | 12.0% | · | 17.7% | 18.1% | 19.9% | 20.2% | 3.8% | |
| ROA | 0.98% | · | 1.1% | 0.55% | 0.06% | · | 1.4% | |
| ROE | 6.4% | · | 8.3% | 4.3% | 0.46% | · | 14.3% |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $12.92 | · | $10.27 | $9.34 | $9.15 | · | · | |
| Revenue / Share | $0.64 | · | $0.52 | $0.53 | · | · | · | |
| Cash Flow / Share | $0.45 | · | $1.04 | $1.99 | · | · | · | |
| Cash / Share | · | · | · | · | $12.51 | · | · | |
| EPS (TTM) | $0.83 | · | $0.87 | $0.41 | $0.04 | $0.21 | · |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue YoY | · | · | -1.9% | 3.6% | 1.7% | · | · | |
| Revenue CAGR 3Y | · | · | 1.1% | · | · | · | · | |
| EPS YoY | · | · | 112.2% | 925.0% | -81.0% | · | · | |
| EPS CAGR 3Y | · | · | 60.6% | · | · | · | · | |
| Net Income YoY | · | · | 113.5% | 854.4% | -79.3% | · | · | |
| Net Income CAGR 3Y | · | · | 61.6% | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $16M | · | $13M | $13M | $13M | $13M | $13M | |
| Net Income TTM | $20M | · | $22M | $10M | $1M | $5M | $7M | |
| Market Cap | $338M | · | $233M | $255M | $312M | · | · | |
| P/E | 16.2 | · | 10.3 | 23.9 | 300.5 | 43.6 | · | |
| P/S | 21.4 | · | 17.9 | 19.2 | 24.5 | · | · | |
| P/B | 1.0 | · | 0.9 | 1.0 | 1.3 | · | · | |
| P / Tangible Book | 1.1 | · | 0.9 | 1.1 | 1.4 | 1.1 | · | |
| P / Cash Flow | 30.4 | · | 8.9 | 5.1 | 9.6 | · | · | |
| P / FCF | · | · | 9.0 | 5.2 | 9.7 | · | · | |
| Earnings Yield | 6.2% | · | 9.7% | 4.2% | 0.33% | 2.3% | · |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q2 2024 | Q3 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $4M | $4M | $5M | $4M | $4M | $4M | $4M | $4M | $3M | $3M | $3M | $4M | $3M | $3M | |
| Interest Expense | · | · | · | · | · | · | · | $6M | $4M | $3M | $1M | $844.0K | $518.0K | $384.0K | |
| Interest Income | $32M | $28M | $28M | $28M | $27M | $26M | $17M | $23M | $20M | $19M | $19M | $18M | $15M | $12M | |
| Pretax Income | $5M | $6M | $5M | $6M | $8M | $7M | $127.0K | $6M | $4M | $6M | $8M | $8M | $6M | $3M | |
| Income Tax | $1M | $416.0K | $2M | $1M | $2M | $2M | $-176.0K | $1M | $890.0K | $1M | $2M | $2M | $1M | $687.0K | |
| Net Income | $3M | $5M | $4M | $4M | $6M | $6M | $303.0K | $5M | $3M | $5M | $6M | $6M | $5M | $2M | |
| EPS (Basic) | $0.14 | $0.22 | $0.16 | $0.18 | $0.26 | $0.23 | $0.01 | $0.19 | $0.14 | $0.17 | $0.24 | $0.25 | $0.21 | $0.10 | |
| EPS (Diluted) | $0.14 | $0.22 | $0.16 | $0.18 | $0.26 | $0.23 | $0.01 | $0.19 | $0.14 | $0.17 | $0.24 | $0.25 | $0.21 | $0.10 | |
| Shares (Basic) | 24,031,945 | 24,101,429 | · | 24,470,461 | 24,510,936 | 24,812,752 | 25,179,835 | 25,220,299 | 25,194,841 | · | 25,169,382 | 25,156,653 | 25,143,924 | · | |
| Shares (Diluted) | 24,331,049 | 24,342,965 | · | 24,593,205 | 24,567,328 | 24,937,030 | 25,209,101 | 25,220,299 | 25,194,841 | · | 25,169,382 | 25,156,653 | 25,143,924 | · |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q2 2024 | Q3 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PP&E (Net) | · | · | $32M | · | · | · | · | · | · | $36M | $42M | $43M | $43M | $38M | |
| Accum. Depreciation | · | · | $22M | · | · | · | · | · | · | $20M | · | · | · | $19M | |
| Goodwill | $27M | $10M | $10M | $11M | $11M | $11M | $11M | $11M | $11M | $9M | $9M | $9M | $9M | $9M | |
| Intangibles | · | · | $3M | · | · | · | · | · | · | $2M | · | · | · | $2M | |
| Total Assets | $2.36B | $2.22B | $2.15B | $2.24B | $2.10B | $2.07B | · | $1.98B | $1.96B | $1.86B | $1.86B | $1.83B | $2.07B | $1.96B | |
| Total Liabilities | $2.04B | $1.89B | $1.83B | $1.93B | $1.78B | $1.76B | · | $1.69B | $1.69B | $1.59B | $1.60B | $1.58B | $1.83B | $1.72B | |
| Common Stock | $248.0K | $251.0K | $251.0K | $251.0K | $255.0K | $258.0K | · | $260.0K | $260.0K | $260.0K | $260.0K | $260.0K | $260.0K | $260.0K | |
| Retained Earnings | $208M | $208M | $203M | $200M | $201M | $198M | · | $185M | $177M | $173M | $169M | $163M | $156M | $151M | |
| AOCI | $12M | $13M | $14M | $8M | $7M | $7M | · | $500.0K | $-9M | $-10M | $-12M | $-16M | $-17M | $-11M | |
| Stockholders' Equity | $328M | $329M | $324M | $314M | $314M | $311M | $297M | $289M | $272M | $267M | $260M | $250M | $242M | $243M | |
| Liabilities + Equity | $2.36B | $2.22B | $2.15B | $2.24B | $2.10B | $2.07B | · | $1.98B | $1.96B | $1.86B | $1.86B | $1.83B | $2.07B | $1.96B | |
| Shares Outstanding | 24,841,663 | 25,076,801 | 25,072,214 | 25,083,829 | 25,557,955 | 25,853,091 | 26,261,293 | 25,977,679 | 25,977,679 | 25,977,679 | 25,977,679 | 25,977,679 | 25,977,679 | 25,977,679 |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q2 2024 | Q3 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $1M | $608.0K | $121.0K | $595.0K | $554.0K | $583.0K | $687.0K | $639.0K | $671.0K | $654.0K | $661.0K | $691.0K | $692.0K | $697.0K | |
| Stock-based Comp | $446.0K | $360.0K | $279.0K | $283.0K | $362.0K | $351.0K | $-343.0K | · | · | · | · | · | · | · | |
| Deferred Tax | $3M | $-1M | $43.0K | $-1M | $-2M | $-389.0K | $-830.0K | $-569.0K | $37.0K | $279.0K | $-189.0K | $522.0K | $243.0K | $153.0K | |
| Operating Cash Flow | $15M | $-161.0K | $6M | $4M | $-374.0K | $-4M | $10M | $3M | $12M | $14M | $2M | $2M | $8M | $21M | |
| CapEx | · | · | · | · | · | · | · | · | · | · | · | · | $65.0K | $132.0K | |
| Investing Cash Flow | $-195M | $-38M | $585.0K | $-37M | $-30M | $-46M | $58M | $-21M | $-39M | $11M | $-29M | $-20M | $-77M | $-81M | |
| Stock Repurchased | · | · | $417.0K | $6M | $4M | $2M | $-1M | · | · | · | · | · | · | · | |
| Net Stock Activity | · | · | · | · | · | $-2M | · | · | · | · | · | · | · | · | |
| Financing Cash Flow | $118M | $61M | $-101M | $140M | $-4M | $92M | $-138M | $125M | $93M | $-19M | $24M | $-238M | $96M | $-29M | |
| Net Change in Cash | $-62M | $23M | $-95M | $106M | $-34M | $43M | $-71M | $107M | $66M | $5M | $-2M | $-256M | $27M | $-89M | |
| Taxes Paid | · | · | $3M | $3M | $2M | · | $4M | $0 | $1M | $3M | $0 | $1M | $900.0K | $500.0K | |
| Free Cash Flow | · | · | · | · | · | · | · | · | · | · | · | · | $8M | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | · | · | · | $7M | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q2 2024 | Q3 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 81.7% | 137.7% | · | 119.3% | 162.3% | 157.8% | · | 129.7% | 98.3% | · | 186.3% | 172.7% | 159.6% | · | |
| Pretax Margin | 112.2% | 148.5% | · | 154.5% | 204.8% | 203.1% | · | 166.5% | 123.9% | · | 237.1% | 222.8% | 198.0% | · | |
| ROA | 0.16% | 0.25% | · | 0.20% | 0.33% | 0.28% | · | 0.25% | 0.17% | · | 0.31% | 0.34% | 0.26% | · | |
| ROE | 1.1% | 1.7% | · | 1.4% | 2.2% | 1.9% | · | 1.7% | 1.3% | · | 2.4% | 2.5% | 2.2% | · |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q2 2024 | Q3 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q2 2024 | Q3 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $13.22 | $13.10 | · | $12.53 | $12.30 | $12.02 | · | $11.12 | $10.46 | · | $10.00 | $9.61 | $9.30 | · | |
| Revenue / Share | $0.18 | $0.16 | · | $0.15 | $0.16 | $0.15 | · | $0.14 | $0.14 | · | $0.13 | $0.14 | $0.13 | · | |
| Cash Flow / Share | · | $-0.01 | · | · | · | $-0.14 | · | · | $0.49 | · | · | · | $0.32 | · | |
| EPS (TTM) | $0.70 | $0.82 | · | · | $0.99 | $0.89 | $0.61 | · | $0.80 | · | $0.80 | $0.57 | $0.57 | · |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q2 2024 | Q3 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $16M | $16M | · | · | $15M | $15M | $15M | · | $13M | · | $13M | $13M | $13M | · | |
| Net Income TTM | $17M | $20M | · | · | $25M | $22M | $15M | · | $20M | · | $20M | $14M | $14M | · | |
| Market Cap | $424M | $349M | · | $328M | $307M | $303M | · | $255M | $222M | · | $256M | $296M | $247M | · | |
| P/E | 24.4 | 17.0 | · | · | 12.2 | 13.2 | 16.4 | · | 10.7 | · | 12.3 | 20.0 | 16.7 | · | |
| P/S | 26.0 | 21.8 | · | · | 20.1 | 20.3 | · | · | 16.8 | · | 19.1 | 22.1 | 18.5 | · | |
| P/B | 1.3 | 1.1 | · | 1.0 | 1.0 | 1.0 | · | 0.9 | 0.8 | · | 1.0 | 1.2 | 1.0 | · | |
| P / Tangible Book | 1.4 | 1.1 | · | 1.1 | 1.0 | 1.0 | · | 0.9 | 0.9 | · | 1.0 | 1.2 | 1.1 | · | |
| P / Cash Flow | · | -2168.1 | · | · | · | -85.9 | · | · | 17.8 | · | · | · | 31.1 | · | |
| Earnings Yield | 4.1% | 5.9% | · | · | 8.2% | 7.6% | 6.1% | · | 9.4% | · | 8.1% | 5.0% | 6.0% | · |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 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 |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2024-12-31 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|---|
| Free Cash Flow | · | · | · | $26M | $49M |
Institutional owners (13F) 81 filers · $72.9M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
81
Value held
$72.9M
New positions
5
Exited positions
5
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 5 (-7 vs prior Q) | 5 (+2 vs prior Q) | 25 (+2 vs prior Q) | 29 (+2 vs prior Q) | -195K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| BlackRock, Inc. | $10,773,764 | 631,152 | 14.78% | Shares |
| VANGUARD GROUP INC | $8,795,296 | 652,470 | 12.07% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $8,262,904 | 484,060 | 11.34% | Shares |
| ALLIANCEBERNSTEIN L.P. | $7,280,355 | 523,014 | 9.99% | Shares |
| Private Capital Management, LLC | $6,260,832 | 366,774 | 8.59% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $4,546,991 | 266,275 | 6.24% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $3,836,425 | 224,755 | 5.26% | Shares |
| STATE STREET CORP | $3,079,018 | 180,376 | 4.22% | Shares |
| First Pacific Advisors, LP | $2,850,246 | 166,974 | 3.91% | Shares |
| NORTHERN TRUST CORP | $1,424,031 | 83,423 | 1.95% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $1,247,817 | 73,100 | 1.71% | Shares |
| Empowered Funds, LLC | $1,231,549 | 72,147 | 1.69% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $1,231,549 | 72,147 | 1.69% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $1,216,596 | 71,271 | 1.67% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $1,211,748 | 70,987 | 1.66% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $900,272 | 52,740 | 1.24% | Shares |
| Gator Capital Management, LLC | $774,978 | 45,400 | 1.06% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $724,775 | 42,459 | 0.99% | Shares |
| Flywheel Private Wealth LLC | $682,800 | 40,000 | 0.94% | Shares |
| GOLDMAN SACHS GROUP INC | $654,378 | 38,335 | 0.90% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $497,556 | 29,148 | 0.68% | Shares |
| Bank of New York Mellon Corp | $469,459 | 27,502 | 0.64% | Shares |
| MARTINGALE ASSET MANAGEMENT L P | $452,868 | 26,530 | 0.62% | Shares |
| MORGAN STANLEY | $434,056 | 25,428 | 0.60% | Shares |
| EQUITABLE TRUST CO | $356,592 | 20,890 | 0.49% | Shares |
| ROYAL BANK OF CANADA | $294,000 | 17,255 | 0.40% | Shares |
| CAPTRUST FINANCIAL ADVISORS | $288,637 | 16,909 | 0.40% | Shares |
| LOS ANGELES CAPITAL MANAGEMENT LLC | $257,723 | 15,098 | 0.35% | Shares |
| FAGAN ASSOCIATES, INC. | $256,050 | 15,000 | 0.35% | Shares |
| RHUMBLINE ADVISERS | $249,983 | 14,645 | 0.34% | Shares |
| Nuveen, LLC | $229,762 | 13,460 | 0.32% | Shares |
| BANK OF AMERICA CORP /DE/ | $224,829 | 13,171 | 0.31% | Shares |
| Russell Investments Group, Ltd. | $207,519 | 12,157 | 0.28% | Shares |
| Sequoia Financial Advisors, LLC | $188,470 | 11,041 | 0.26% | Shares |
| DEUTSCHE BANK AG\ | $176,896 | 10,363 | 0.24% | Shares |
| WELLS FARGO & COMPANY/MN | $169,539 | 9,932 | 0.23% | Shares |
| STRS OHIO | $105,834 | 6,200 | 0.15% | Shares |
| MetLife Investment Management, LLC | $104,520 | 6,123 | 0.14% | Shares |
| Farther Finance Advisors, LLC | $102,744 | 6,019 | 0.14% | Shares |
| CITIGROUP INC | $83,626 | 4,899 | 0.11% | Shares |
| MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. | $83,472 | 4,890 | 0.11% | Shares |
| JPMORGAN CHASE & CO | $75,038 | 4,414 | 0.10% | Shares |
| NEW YORK STATE COMMON RETIREMENT FUND | $68,246 | 3,998 | 0.09% | Shares |
| UBS Group AG | $67,341 | 3,945 | 0.09% | Shares |
| Vanguard Global Advisers, LLC | $63,756 | 3,735 | 0.09% | Shares |
| OSAIC HOLDINGS, INC. | $51,210 | 3,000 | 0.07% | Shares |
| Police & Firemen's Retirement System of New Jersey | $44,877 | 2,629 | 0.06% | Shares |
| CWM, LLC | $39,630 | 2,847 | 0.05% | Shares |
| M3F, Inc. | $31,101 | 1,821,973 | 0.04% | Shares |
| Tripletail Wealth Management, LLC | $29,220 | 1,690 | 0.04% | Shares |
Activists & 5%+ owners 1 position
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| Pioneer Bancorp, MHC | July 18, 2019 | · | Initial filing | · | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
Company insiders 16 insiders · 8 officers · 9 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Thomas L Amell | President and CEO | May 21, 2024 A | 90,000 | 0 | 0 | $0 |
| Patrick J Hughes | EVP and CFO | May 21, 2024 A | 60,087 | 0 | 0 | $0 |
| Thomas Signor | EVP and CAO | May 21, 2026 F | 17,116 | 0 | 0 | $0 |
| Susan M Hollister | EVP and CHRO | May 21, 2026 F | 29,954 | 0 | 0 | $0 |
| Jesse Tomczak | EVP and CBO | May 21, 2026 F | 37,395 | 0 | 22 | $-79,244 |
| Thomas E. Ratsep | EVP - Chief Credit Officer | Dec. 11, 2025 A | 20,000 | 0 | 0 | $0 |
| Kelli Arnold | EVP and CSO | May 21, 2025 F | 18,561 | 0 | 0 | $0 |
| James Edward Murphy | EVP and CCO | May 21, 2024 A | 10,000 | 0 | 0 | $0 |
| Michael T. Keegan | Director | Aug. 18, 2026 A | 13,000 | 0 | 0 | $0 |
| Charles Seifert | Director | Dec. 17, 2024 A | 5,150 | 0 | 0 | $0 |
| Shaun Mahoney | Director | June 13, 2024 P | 4,500 | 0 | 0 | $0 |
| Stacy Hengsterman | Director | May 21, 2024 A | 10,113 | 0 | 0 | $0 |
| Madeline Taylor | Director | May 21, 2024 A | 24,100 | 0 | 0 | $0 |
| Eileen C Bagnoli | Director | May 21, 2024 A | 20,000 | 0 | 0 | $0 |
| James K Reed | Director | May 21, 2024 A | 15,000 | 0 | 0 | $0 |
| Edward Reinfurt | Director | May 21, 2024 A | 30,000 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 16 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.05% | 35,935 SH | Sept. 11, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.01% | 60,979 SH | Aug. 19, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.01% | 9,260 SH | Aug. 19, 2026 | Daily |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.01% | 1,155 SH | Sept. 30, 2026 | Daily |
| IWM · iShares Trust | 0.01% | 276,366 SH | Sept. 11, 2026 | Daily |
| RSSL · Global X Funds | 0.01% | 5,078 NS | July 31, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.00% | 19,723 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 33,996 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 968 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 958 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 120,586 SH | Aug. 19, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 350,303 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 748 SH | Aug. 19, 2026 | Daily |
| DFUS · Dimensional ETF Trust | 0.00% | 300 NS | July 31, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 12 NS | July 31, 2026 | N-PORT |
| IWN · iShares Trust | · | 108,925 SH | Sept. 11, 2026 | Daily |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| PBFS | $338M | 16.2 | 15.2% | 128.3% | 6.4% | · |
| FMAO | $340M | 10.2 | 19.6% | 27.4% | 9.2% | · |
| WTBA | $376M | 11.6 | 19.4% | 34.2% | 12.8% | · |
| CZNC | $359M | 12.3 | 13.3% | 19.1% | 7.5% | · |
| BMRC | $419M | -11.6 | -58.1% | -121.4% | -8.6% | · |
| RBB | $352M | 11.3 | -2.4% | 618.3% | 6.1% | · |
| AVBC | $337M | -93.4 | 14.7% | -3.2% | -1.1% | · |
| FRBA | · | · | · | · | · | · |
| CBK | $336M | 8.3 | 2.1% | 41.2% | 14.7% | · |
| PLBC | $311M | 9.8 | · | 30.1% | 13.0% | · |
| TFC | $62.13B | 12.9 | 53.0% | 26.1% | 8.2% | · |
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Source: SEC 10-Q filed Aug 10, 2026