Pioneer Bancorp, Inc. (PBFS)

From the record

Pioneer Bancorp, Inc.'s filings since 2019 show 6 warning events of 3 kinds: a notice about its exchange listing (8-K item 3.01, 2 times, the latest 2019-11-22); a warning not to rely on past financial statements (8-K item 4.02, the latest 2021-02-16); a late-report notice (Form NT 10-K or NT 10-Q, 3 times, the latest 2021-02-16) (its current reports).

From the record

Pioneer Bancorp, Inc.'s 8 filed years say what it did: revenue went from $46 million in fiscal 2018 to $110 million in fiscal 2025, up 12.1% a year; it rose in 4 of 7 years; the deepest fall was 19% from fiscal 2019 to fiscal 2022; net income was positive in 8 of 8 of those years (its annual reports).

From the record

Over the 4 fiscal years to 2025-12-31, Pioneer Bancorp, Inc.'s diluted share count shrank about 0.6% a year, and dividends and buybacks returned about 20% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 22 sales and 0 purchases of their own stock on the open market in the year to 2026-09-30 (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, Pioneer Bancorp, Inc. earned about 6 cents of profit for every dollar of shareholders' money. Leverage: it owed about 85 cents per dollar of assets (the filed statements).

From the record

Pioneer Bancorp, Inc.'s standing among 22 graded names in its industry family: revenue of $110 million in fiscal 2025 ranks in the top 48% by size; a net margin of 18.5% ranks in the top 34%; revenue growth of 29.9% a year over the last 3 filed years ranks in the top 11% (its annual reports).

From the record

Pioneer Bancorp, Inc.'s leadership, from its insiders' filings and its current reports: no one files under a chief executive's title, so that part is not read; the 5 officers and directors filing in the last fifteen months have been on the record a median of 4.3 years (bottom 25%); 4 officer or director changes were reported on Form 8-K since 2023-11-13, against the 5 people in charge now (bottom 18%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

Pioneer Bancorp, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $134 million against no long-term debt tagged leaves 6.2% of its assets as net cash, top 17% of its family; cash from operations less capital spending is 10.1% of revenue (bottom 30%) (its annual report).

From the record

Pioneer Bancorp, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 29.9% a year over the last three filed years against 12.1% over all 8, speeding up (top 3% of its family); the newest year grew 15.4% (top 18%); capital spending grew 12% a year (top 31%) (its annual reports). Pioneer Bancorp, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

From the record

Pioneer Bancorp, Inc.'s newest year against its own record: revenue of $110 million in fiscal 2025 came in 12.6% below the $125 million its prior three years' pace pointed to (top 26% of its family); net income of $20 million against a prior three-year average of $16 million (top 44%); a net margin of 18.5% against 23.9% before (bottom 15%) (its annual reports).