Income statement
USD
Annual
| Metric | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|
| Revenue | 58M | 56M | 80M | 77M | 96M |
| Gross Profit | — | — | — | — | — |
| Operating Income | — | — | — | — | — |
| EBITDA | — | — | — | — | — |
| Net Income | 1M | 10M | 22M | 15M | 20M |
| EPS (Diluted) | — | — | — | — | — |
Financial Services
Live Price
Offline$16.80
-2.55% today
1Y Change
+43.23%
Window
Jun 30, 2025 → Jun 24, 2026
Coverage: 247 bars · Jun 30, 2025 → Jun 24, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Pioneer Bancorp, Inc. (PBFS) is a Financial Services stock with a market cap of $360.00M and listed on NASDAQ. The stock last traded around $16.80 and up 43.2% across the available one-year price window (Jun 30, 2025 → Jun 24, 2026). Baseline metrics include revenue growth of -10.7%, EPS growth of +26.2%, a dividend yield of 0.0%. What stands out right now is revenue -10.7%, EPS +26.2%, free cash flow +39.9% with operating margin 20.9% and ROIC 0.9%. Valuation is more restrained than many high-expectation growth names at P/E 17.0 and price/sales 2.8. Overall, the current profile looks closer to a turnaround or cyclical reset than a generic broad-market placeholder. Stock Foundry combines PBFS price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Benchmark Edge
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
Relative Read
PBFS is 24.55 pts ahead over the shared 1Y window.
PBFS had 1.27 pts deeper max drawdown than SPY.
PBFS beat SPY in 2 of 2 calendar years shown and trailed in 0.
PBFS
+43.23%
Normalized return
SPY
+18.68%
S&P 500
Excess Return
+24.55 pts
Relative to SPY
PBFS Max Drawdown
-10.40%
Trailing 1Y
SPY Max Drawdown
-9.13%
Trailing 1Y
Uses the longest available daily history for PBFS and SPY.
| Year | PBFS | SPY | Excess | Leader |
|---|---|---|---|---|
| 2026 | +29.45% | +6.71% | +22.74 pts | PBFS |
| 2025 | +11.47% | +11.19% | +0.28 pts | PBFS |
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$96.3M
+25.2% YoY
FY Net Income
$20.3M
+32.9% YoY
Free Cash Flow
$8.8M
-61.8% YoY
Revenue Growth
-10.7%
EPS Growth
+26.2%
Gross Margin
73.1%
Net Margin
16.0%
Income statement
USD
| Metric | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|
| Revenue | 58M | 56M | 80M | 77M | 96M |
| Gross Profit | — | — | — | — | — |
| Operating Income | — | — | — | — | — |
| EBITDA | — | — | — | — | — |
| Net Income | 1M | 10M | 22M | 15M | 20M |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|
| Cash & Equivalents | 325M | 373M | 148M | 152M | 131M |
| Total Assets | — | — | — | 1.9B | 2.2B |
| Total Liabilities | — | — | — | 1.6B | 1.8B |
| Shareholder Equity | — | — | — | — | — |
| Total Debt | — | — | — | — | — |
| Net Debt | — | — | — | — | — |
Cash flow positioning
2026 Full Year
Operating Cash Flow
10M
-42.3% YoY
Capital Expenditures
—
Free Cash Flow
9M
-61.8% YoY
Key ratios
Gross Margin
73.1%
Operating Margin
20.9%
Net Margin
16.0%
ROE
6.4%
Debt / Equity
0.17x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.