InsiderClue
Stocks · Financials · Savings Institutions, Not Federally Chartered

Pioneer Bancorp, Inc./MD

PBFS Clue Score51
United States Fiscal year ends December CIK 0001769663
$17.40 -1.25% Close, 9 Oct 2026
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Price $17.40 +38.42% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 18 Jul 2019. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2018Net income11.5Fiscal year 2019Revenue12.9Net income7.3 −36.4%Fiscal year 2020Revenue12.6 −2.6%Net income5.2 −28.9%EPS, diluted0.21Fiscal year 2021Revenue12.8 +1.7%Net income1.1 −79.3%EPS, diluted0.04 −81.0%Fiscal year 2022Revenue13.2 +3.6%Net income10.3 +854.4%EPS, diluted0.41 +925.0%Fiscal year 2023Revenue13.0 −1.9%Net income21.9 +113.5%EPS, diluted0.87 +112.2%Fiscal year 2024Revenue15.0 +15.2%Net income15.3 −30.5%EPS, diluted0.61 −29.9%Fiscal year 2025Revenue15.8 +5.8%Net income20.3 +32.9%EPS, diluted0.83 +36.1%
FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue n/a 12.9 12.6 12.8 13.2 13.0 15.0 15.8
Growth −2.6% +1.7% +3.6% −1.9% +15.2% +5.8%
Net income 11.5 7.3 5.2 1.1 10.3 21.9 15.3 20.3
Growth −36.4% −28.9% −79.3% +854.4% +113.5% −30.5% +32.9%
EPS, diluted n/a n/a 0.21 0.04 0.41 0.87 0.61 0.83
Growth −81.0% +925.0% +112.2% −29.9% +36.1%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2018Fiscal year 2019Net margin56.7%Free cash flow margin29.8%Fiscal year 2020Net margin41.4%Free cash flow margin2.6%Fiscal year 2021Net margin8.4%Free cash flow margin251.1%Fiscal year 2022Net margin77.7%Free cash flow margin371.8%Fiscal year 2023Net margin169.1%Free cash flow margin199.0%Fiscal year 2024Net margin102.1%Free cash flow margin153.9%Fiscal year 2025Net margin128.3%
FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin n/a 56.7% 41.4% 8.4% 77.7% 169.1% 102.1% 128.3%
Free cash flow margin n/a 29.8% 2.6% 251.1% 371.8% 199.0% 153.9% n/a

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2018Operating cash flow23.0Capital expenditure−8.0Free cash flow15.0Fiscal year 2019Operating cash flow6.1Capital expenditure−2.3Free cash flow3.8 −74.3%Fiscal year 2020Operating cash flow2.0Capital expenditure−1.7Free cash flow0.3 −91.6%Fiscal year 2021Operating cash flow32.7Capital expenditure−0.6Free cash flow32.1 +9,855.6%Fiscal year 2022Operating cash flow50.0Capital expenditure−0.8Free cash flow49.2 +53.4%Fiscal year 2023Operating cash flow26.3Capital expenditure−0.5Free cash flow25.8 −47.5%Fiscal year 2024Operating cash flow23.8Capital expenditure−0.8Free cash flow23.0 −10.9%Buybacks−1.1Fiscal year 2025Operating cash flow11.1Buybacks−11.3
FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 23.0 6.1 2.0 32.7 50.0 26.3 23.8 11.1
Capital expenditure −8.0 −2.3 −1.7 −0.6 −0.8 −0.5 −0.8 n/a
Free cash flow 15.0 3.8 0.3 32.1 49.2 25.8 23.0 n/a
Growth −74.3% −91.6% +9,855.6% +53.4% −47.5% −10.9%
Buybacks n/a n/a n/a n/a n/a n/a −1.1 −11.3

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2018Cash120.3Shareholders’ equity118.1Fiscal year 2019Cash230.1Shareholders’ equity123.3Fiscal year 2020Cash156.9Shareholders’ equity224.0Fiscal year 2021Cash325.0Shareholders’ equity237.8Fiscal year 2022Cash376.1Shareholders’ equity242.6Fiscal year 2023Cash150.5Shareholders’ equity266.7Fiscal year 2024Cash165.2Shareholders’ equity296.5Fiscal year 2025Cash133.7Shareholders’ equity323.9
FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 120.3 230.1 156.9 325.0 376.1 150.5 165.2 133.7
Shareholders’ equity 118.1 123.3 224.0 237.8 242.6 266.7 296.5 323.9

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Balance sheet

In millions of USD, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2018 30 Jun 2018 FY2019 30 Jun 2019 FY2020 30 Jun 2020 FY2021 30 Jun 2021 FY2022 30 Jun 2022 FY2023 30 Jun 2023 FY2024 30 Jun 2024 FY2025 31 Dec 2025
Assets
120.3 230.1 156.9 325.0 376.1 150.5 165.2 133.7
42.9 41.7 40.9 38.9 38.0 35.6 34.4 31.5
7.3 7.3 7.3 7.3 8.8 8.8 10.9 9.6
1,284.1 1,468.3 1,526.4 1,796.3 1,964.2 1,856.2 1,895.4 2,150.7
Growth +14.3% +4.0% +17.7% +9.4% −5.5% +2.1% +13.5%
Liabilities
1,166.1 1,345.0 1,302.4 1,558.4 1,721.6 1,589.5 1,598.9 1,826.8
Equity
116.4 134.4 139.7 140.8 151.1 173.0 187.7 203.0
118.1 123.3 224.0 237.8 242.6 266.7 296.5 323.9
Growth +4.4% +81.7% +6.2% +2.0% +9.9% +11.2% +9.2%
Per share and net cash
n/a 0.0 26.0 26.0 26.0 26.0 26.3 25.1
calc n/a n/a 8.62 9.15 9.34 10.27 11.29 12.92

Lines marked calc are worked out here from filed figures; point at one for how.