Latest revenue
$28.3M
as of 2026-03-31
Latest net income
$5.3M
as of 2026-03-31
Net margin
18.7%
as of 2026-03-31
Price · 5Y
Live market
delayed ≤15 min- Market cap
- $372.1M
- Enterprise value
- $372.1M
- P/E (trailing)
- 18.3×
- Forward P/E
- —
- P/B
- —
- Dividend yield
- 0.0%
- 52-wk high
- $15.18
- 52-wk low
- $11.24
- Beta
- —
- Shares out
- 25.1M
5-year trend
What this company does
Pioneer Bancorp is the holding company for a community bank serving customers in New York's Capital Region with deposits, loans, and related financial services. It earns most of its revenue from net interest income on commercial, residential, and consumer loans funded by customer deposits. Limited disclosure in this filing, though the company recently shifted its fiscal year-end to December 31 via a transition reporting period.
Generated from PBFS's filing dated 2026-05-11
Key risks
- Filing incorporates risk factors by reference to the December 31, 2024 Form 10-KT without disclosing specifics, limiting investor visibility into current material risks.
Generated from PBFS's filing dated 2026-05-11
Profitability
Net margin
16.0%
37.8%Return on equity
6.3%
23.9%Return on assets
48.9%
97.3%Leverage
Debt / equity
-0.87×
27.6%Debt / assets
-680.0%
215.5%Earnings tracker
| Quarter | Revenue | YoY | Net income | YoY | Net margin |
|---|---|---|---|---|---|
Q1 2026 2026-03-31 | $28.3M | +13.6% | $5.3M | -8.2% | 18.7% |
Q4 2025 2025-12-31 | $47.0M | — | $3.7M | — | 8.0% |
Q3 2025 2025-09-30 | $27.7M | +10.5% | $4.3M | -31.4% | 15.6% |
Q2 2025 2025-06-30 | $27.1M | +17.6% | $6.5M | +64.1% | 23.8% |
Q1 2025 2025-03-31 | $24.9M | +8.4% | $5.8M | +22.1% | 23.1% |
Q3 2024 2024-09-30 | $25.0M | +24.6% | $6.3M | +84.5% | 25.2% |
Q2 2024 2024-06-30 | $23.1M | — | $3.9M | — | 17.0% |
Q1 2024 2024-03-31 | $23.0M | — | $4.7M | — | 20.5% |
Year-over-year change vs the same fiscal quarter one year prior. Revenue + net income sourced from SEC 10-Q / 10-K filings — no analyst-consensus dependency.
Industry trend
Savings Institutions, Not Federally Chartered · SIC 6036
Your notes
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Insider activity
Insider buying
$0
Insider selling
$79.2K
Net activity
−$79.2K
Distinct insiders
1
Open-market trades over the last 365 days.
Recent transactions
Source: SEC Form 4 filings. Officers, directors, and 10%+ owners must disclose share transactions within two business days. RSU grants and tax-withholding rows are excluded by default — compensation activity is not a trading signal.
Who owns PBFS
No institutional holdings on file for PBFS yet.
Source: SEC Form 13F-HR. Updated quarterly (45-day filing lag).
Top questions investors are asking
- 1
With deposit costs still elevated, what is your NIM trajectory and the beta assumption on deposits if the Fed cuts 75bps?
- 2
The Form 10-KT for the six months ended December 2024 signals a fiscal year change—what strategic or accounting motivations drove that switch?
- 3
Can you quantify CRE and office exposure as a percentage of capital, and current criticized/classified loan migration trends?
Refreshed when PBFS files a new report · last from 2026-05-11