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MARKETS / NASDAQ / Financials / Banks / PBFS
NASDAQ · SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED · MID CAP

Pioneer Bancorp, Inc. PBFS

8 fiscal years on record · USD · FY2025 reported · SEC filings only
$20.3M

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

In brief

What this company does

The Company’s common stock is traded on the Nasdaq Capital Market under the symbol “PBFS.” The executive offices of the Company are located at 652 Albany Shaker Road, Albany, New York 12211, and its telephone number is (518) 730-3025. The Bank operates 21 retail banking offices in Albany, Greene, Rensselaer, Saratoga, Schenectady and Warren Counties, as well as a wealth management office in Columbia County in New York. We attract deposits from the general public and municipalities and use those funds along with advances from the Federal Home Loan Bank of New York (“FHLBNY”) and funds generated from operations to originate commercial real estate loans, commercial and industrial loans, commercial construction loans and home equity loans and lines of credit and, to a lesser extent, consumer loans.

Written from the business description in Pioneer Bancorp, Inc.'s annual report to the U.S. Securities and Exchange Commission, filed 12 March 2026. Every sentence was checked against that document before publication.

Growth

·
Revenue, FY2025 · full 8-year series below
Compound annual growth
3 yrs
5 yrs
10 yrs
15 yrs

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

·
ROE
FY2025 · ROE 6.5%
5%
201720202025
Three returns, three denominators.
Return on capital employedNot available: we don't have total assets or current liabilities for this period.
Gross margin·
Operating margin·
Net margin·
EBITDAUSD 28.4M

Each USD of equity produced 6 cents of profit this year.

Cash & shareholders

USD 11.2M
returned in FY2025 · dividends + net buybacks
Free cash flow $M
FY2022 · FCF 25.8
20M40M
201720202025
Net buybacks $M Dividends $M
FY2025 · Dividends · · Net buybacks 11.2
5M10M
20232025
Dividends paid·
Net buybacksUSD 11.2M
Share of profit55.3%
Consecutive raises·

USD 11.2M in buybacks — 55% of the year's profit went back to shareholders.

Total assetsUSD 2.2B
EquityUSD 323.9M
CashUSD 133.7M
DepositsUSD 1.7B

Equity funds 15% of total assets.

The 8-year record

8 fiscal years
Every figure from documents filed with the SEC · USD
row low → row highnegative—not applicable◌not available in our data
PBFS, 8-year financial record
Metric 20252023202220212020201920182017
Revenue $B◌◌◌◌◌◌◌◌
Operating income $B0.00.00.00.00.0◌◌◌
EBITDA $B0.00.00.00.00.0◌◌◌
Income tax $B0.00.00.00.00.00.00.00.0
Net income $B0.00.00.00.00.00.00.00.0
Free cash flow $B◌◌0.00.00.00.00.00.0
EPS, diluted $0.830.610.870.410.040.21◌◌
Dividend / sh $◌◌◌◌◌◌◌◌
Payout % — not applicable: no dividend————————
ROE %6.55.48.64.30.53.06.19.7
Shares out B0.030.030.030.030.030.030.00◌

Slide the table for earlier years. "—" not applicable · "◌" not available in our data.

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Provenance

Company facts, as filed

How we verify · 0 failures in 24 reconciliationsAUDITED

Reconciled in 8 of the 8 fiscal years we could check. 12 checks were skipped: EPS is not tagged before 2019. 10 checks were skipped: the balance sheet is not tagged before 2017.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidityCurrency consistency0 failures
ActivitySavings Institutions, Not Federally Chartered
Listed onNASDAQ
Incorporated inMaryland
Fiscal year endsDecember 31
SEC categorysmaller reporting company
Data on record since2017

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