Stocktoria
Pioneer Bancorp, Inc./MD PBFS
Nasdaq · XNAS · stock · Savings Institutions, Not Federally Chartered · website · IPO 2019-07-18
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4/9
Piotroski F — financial health
—
Altman Z″ — distress risk
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Dividend payout · no dividend
Financials & ratios (annual, from 10-K)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Financials | |||||
| Revenue | $15.8M | $15.0M | $13.0M | $13.2M | $12.8M |
| Net income | $20.3M | $15.3M | $21.9M | $10.3M | $1.1M |
| Operating cash flow | $11.1M | $23.8M | $26.3M | $50.0M | $32.7M |
| Free cash flow | — | — | $25.8M | $49.2M | $32.1M |
| Total assets | $2.2B | $1.9B | $1.9B | $2.0B | $1.8B |
| Total liabilities | $1.8B | $1.6B | $1.6B | $1.7B | $1.6B |
| Shareholders' equity | $323.9M | $296.5M | $266.7M | $242.6M | $237.8M |
| Ratios | |||||
| Net margin | 128.3% | 102.1% | 169.1% | 77.7% | 8.4% |
| FCF margin | — | — | 199.0% | 371.8% | 251.1% |
| Return on assets | 0.9% | 0.8% | 1.2% | 0.5% | 0.1% |
| Return on equity | 6.3% | 5.1% | 8.2% | 4.2% | 0.5% |
| Revenue growth | 5.8% | 15.2% | -1.9% | 3.6% | 1.7% |
Notable holders (13F)
| Investor | Shares | Value |
|---|---|---|
| RENAISSANCE TECHNOLOGIES LLC | 69,900 | $973,008 |
Why these scores methodology →
Piotroski F-score: 4/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Sector peers
IX · MUFG · MFG · NMR · UNH · CI · all Finance, Insurance & Real Estate →
Source: SEC EDGAR filings · CIK 0001769663 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.