PBFS
Pioneer Bancorp Inc
NASDAQ: PBFS · FINANCIAL SERVICES · BANKS - REGIONAL
$14.23
+1.28% today
Updated 2026-04-30
Market cap
$348.40M
P/E ratio
17.19
P/S ratio
3.76x
EPS (TTM)
$0.83
Dividend yield
—
52W range
$11 – $15
Volume
0.0M
Pioneer Bancorp Inc (PBFS) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | $48.52M | $59.29M | $68.57M | $69.20M | $59.68M | $57.92M | $79.69M | $98.70M | $88.12M |
| Revenue growth (YoY) | — | +22.2% | +15.6% | +0.9% | -13.8% | -3.0% | +37.6% | +23.9% | -10.7% |
| Cost of revenue | $4.81M | $5.16M | $22.63M | $11.52M | $6.16M | $914000.00 | $8.66M | $24.50M | — |
| Gross profit | $43.71M | $54.13M | $45.94M | $57.68M | $53.52M | $57.00M | $71.03M | $74.19M | $88.12M |
| Gross margin | 90.1% | 91.3% | 67.0% | 83.4% | 89.7% | 98.4% | 89.1% | 75.2% | 100.0% |
| R&D | — | — | — | — | — | — | — | — | — |
| SG&A | $22.03M | $22.46M | $23.32M | $25.10M | $27.77M | $22.41M | $29.19M | $31.23M | $11.69M |
| Operating income | $8.35M | $17.81M | $8.05M | $6.00M | $2.66M | $13.34M | $27.86M | $19.41M | $32.86M |
| Operating margin | 17.2% | 30.0% | 11.7% | 8.7% | 4.5% | 23.0% | 35.0% | 19.7% | 37.3% |
| EBITDA | $10.31M | $20.45M | $10.86M | $8.90M | $5.52M | $16.08M | $30.55M | $22.00M | — |
| EBITDA margin | 21.2% | 34.5% | 15.8% | 12.9% | 9.2% | 27.8% | 38.3% | 22.3% | 0.0% |
| EBIT | $8.35M | $17.81M | $8.05M | $6.00M | $2.66M | $13.34M | $27.86M | $19.41M | — |
| Interest expense | $2.41M | $3.19M | $4.48M | $4.73M | $2.11M | $1.46M | $5.49M | $21.80M | — |
| Income tax | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $5.63M | $11.50M | $7.31M | $5.20M | $1.08M | $10.28M | $21.95M | $15.26M | $19.20M |
| Net income growth (YoY) | — | +104.2% | -36.4% | -28.9% | -79.3% | +854.4% | +113.5% | -30.5% | +25.8% |
| Profit margin | 11.6% | 19.4% | 10.7% | 7.5% | 1.8% | 17.7% | 27.5% | 15.5% | 21.8% |