Pioneer Bancorp, Inc./MD (NASDAQ:PBFS)
Insiders here have filed 1 Form 4 in the last 90 days, but all of them are share awards, grants or other non-market transactions. Those are compensation, not a decision to buy, so they are not scored.
Keeps a healthy share of every dollar it sells.
- Revenue
- $134.9M
- Net income
- $16.8M
- Net margin
- 12.5%
Little or no net debt.
- Total debt
- $0
- Cash
- $144.7M
- Net debt / EBITDA
- -6.07x
Owes more within a year than it holds to pay it.
- Current assets
- $207.7M
- Current liabilities
- $1.86B
- Current ratio
- 0.11
The business funds itself from operations.
- Operating cash flow
- $10.1M
- Free cash flow
- $7.8M
- FCF margin
- 5.8%
Not funding itself by issuing shares.
- Shares outstanding
- 24.3M
- Share growth (1y)
- -0.7%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
PBFS Income Statement
| Fiscal Period | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 |
| Revenue | 37.34 M | 32.23 M | 33.18 M | 32.10 M | 31.81 M | 29.57 M |
| Revenue Growth (YoY) | 17.36 % | 8.99 % | 13.86 % | 12.65 % | 16.76 % | 8.13 % |
| Cost of Revenue | 10.37 M | 8.40 M | 8.70 M | 8.87 M | 8.95 M | 7.57 M |
| Gross Profit | 26.97 M | 23.83 M | 24.49 M | 23.23 M | 22.86 M | 22.01 M |
| SG&A Expense | 8.87 M | 9.43 M | 9.30 M | 9.27 M | 9.28 M | 9.01 M |
| R&D Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 22.18 M | 18.12 M | 19.16 M | 17.62 M | 14.73 M | 14.59 M |
| Operating Income | 4.79 M | 5.71 M | 5.33 M | 5.61 M | 8.14 M | 7.42 M |
| Pretax Income | 4.79 M | 5.71 M | 5.33 M | 5.61 M | 8.14 M | 7.42 M |
| Tax Provision | 1.30 M | 416.00 K | 1.58 M | 1.28 M | 1.69 M | 1.65 M |
| Net Income | 3.48 M | 5.29 M | 3.74 M | 4.33 M | 6.45 M | 5.76 M |
| EPS (Basic) | 0.14 | 0.22 | 0.16 | 0.18 | 0.26 | 0.23 |
| EPS (Diluted) | 0.14 | 0.22 | 0.15 | 0.18 | 0.26 | 0.23 |
| Shares Outstanding | 24.33 M | 24.10 M | 24.10 M | 24.57 M | 24.51 M | 24.81 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.