Stocktoria
Pioneer Bancorp, Inc./MD PBFS
Pioneer Bancorp, Inc./MD statistics & valuation
Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($15.53); a green figure means the price is below it.
Profitability & efficiency
Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).
P / E vs its own history
Pioneer Bancorp, Inc./MD trades at about 20.9× earnings — below its 10-year norm (10-year range 11.3×–289.2×, median 23.7×).
Shaded band = 10-year range (11.3×–289.2×); dot = today's 20.9×.
Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.
Key ratios (by fiscal year)
| Ratio | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Net margin | 128.3% | 102.1% | 169.1% | 77.7% | 8.4% | 41.4% | 147.5% | — |
| FCF margin | — | — | 199.0% | 371.8% | 251.1% | 2.6% | 29.8% | — |
| Return on assets | 0.9% | 0.8% | 1.2% | 0.5% | 0.1% | 0.3% | 1.3% | 0.9% |
| Return on equity | 6.3% | 5.1% | 8.2% | 4.2% | 0.5% | 2.3% | 15.4% | 9.7% |
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.