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

Pioneer Bancorp, Inc. PBFS

8 fiscal years on record · USD · FY2025 reported · SEC filings only
$15.8M
$20.3M
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
USD 15.8M
Revenue, FY2025 · full 8-year series below
Revenue $M Net income $M
FY2025 · Revenue 15.8 · Net income 20.3
8M16M20172018201920202021202220232025
Compound annual growth
+6.8%
+4.4%
−2.6%
+79.9%
−1.6%
+83.4%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at +4.4% a year over five years — but profit grew faster: net income at +79.9%, earnings per share at +83.4%.

The share count fell from 0.03B to 0.03B — the buyback concentrates the same profit into fewer slices.

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
128 cents
of every revenue dollar became profit
Operating margin Net margin
FY2025 · Operating 167.5% · Net 128.3%
100%200%20172018201920202021202220232025
ROE
FY2025 · ROE 6.5%
5%20172018201920202021202220232025

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
20M40M20172018201920202021202220232025
Net buybacks $M Dividends $M
FY2025 · Dividends — · Net buybacks 11.2
4M8M20232025

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
Metric 20252023202220212020201920182017
Revenue $B0.00.00.00.00.00.00.0·
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 %········
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 · "·" marks a figure not available in our data for that year.

Provenance
Company facts, as filed
How we verify · 0 failures in 24 reconciliationsAUDITED

Reconciled in 9 of 19 fiscal years. 33 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 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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