Overview

Fundamentals

Financial Fundamentals

Review latest financial statements, quality scores, TTM ratios, and peer context for this stock.

Company Pioneer Bancorp Inc Financial Services / Banks Regional
Latest report Q3 2026 2026-03-31
Currency USD Local financial statement archive
Filing Open filing 2026-05-11
Revenue $32.23M
Gross profit $23.83M
Operating income $5.71M
Net income $5.29M
Free cash flow -
Total debt -
Altman Z -0.532
Piotroski 5.00

Statements

Latest financial statement highlights

Income statement

Revenue $32.23M
Cost of revenue $8.41M
Gross profit $23.83M
Operating expenses $18.12M
EBITDA $6.31M
Operating income $5.71M
Income before tax $5.71M
Net income $5.29M
EPS 0.220

Cash flow

Operating cash flow -
Capital expenditure -
Free cash flow -
Dividends paid -
Share repurchases -
Net cash change -

Balance sheet

Cash -
Current assets -
Total assets -
Current liabilities -
Total liabilities -
Total debt -
Net debt -
Stockholders equity -

Ratios

Period and TTM ratios

Metric Period TTM
Gross margin - 73.00%
Operating margin - 19.16%
Net margin - 15.32%
Return on equity - 6.19%
Current ratio - 0.112
Quick ratio - 0.112
P/E - 20.78
Price / sales - 3.30
Debt / equity - 0
Interest coverage - 0.793

Peer context

Ratio comparison

Gross margin Best OBT 76.50% PBFS 73.00% Peer average 60.37%
Return on equity Best OBT 16.09% PBFS 6.19% Peer average 10.07%
Current ratio Best BWFG 51.00 PBFS 0.112 Peer average 5.98
Debt / equity Best OBT 0.119 PBFS 0 Peer average 0.509
P/E Best PCB 9.62 PBFS 20.78 Peer average 13.36