Income statement, balance sheet and cash flow statement for the last 8 fiscal years, taken from the XBRL data Pioneer Bancorp, Inc./MD files with the SEC in its annual reports.
In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.
Income statement
FY2019
FY2019
FY2020
FY2021
FY2022
FY2023
FY2024
FY2025
Revenue
12.9
12.6
12.8
13.2
13
15
15.8
Selling and marketing
0.73
0.93
0.68
0.62
0.52
0.83
0.73
1.01
Interest expense
3.19
4.48
4.73
2.11
1.46
5.49
21.8
Pre-tax income
17.8
8.05
6
2.66
13.3
27.9
19.4
26.5
Income tax
6.31
0.74
0.8
1.58
3.06
5.91
4.15
6.2
Net income
11.5
7.31
5.2
1.08
10.3
21.9
15.3
20.3
EPS, basic
0.21
0.04
0.41
0.87
0.61
0.83
EPS, diluted
0.21
0.04
0.41
0.87
0.61
0.83
Shares, basic (weighted)
25
25.1
25.1
25.2
25.2
24.5
Shares, diluted (weighted)
25
25.1
25.1
25.2
25.2
24.6
Balance sheet
FY2019
FY2019
FY2020
FY2021
FY2022
FY2023
FY2024
FY2025
Cash and equivalents
120
230
157
325
376
150
165
134
Property, plant and equipment
42.9
41.7
40.9
38.9
38
35.6
34.4
31.5
Lease right-of-use assets
5.45
5.22
3.62
Goodwill
7.29
7.29
7.29
7.29
8.8
8.8
10.9
9.6
Intangible assets
2.87
2.52
2.16
1.84
2.49
2.1
2.95
2.71
Total assets
1,284
1,468
1,526
1,796
1,964
1,856
1,895
2,151
Total liabilities
1,166
1,345
1,302
1,558
1,722
1,589
1,599
1,827
Paid-in capital
114
114
114
114
113
115
Retained earnings
116
134
140
141
151
173
188
203
Other comprehensive income
-8.99
-11.1
-17.4
-5.13
-11.2
-9.57
4.94
14
Shareholders' equity
118
123
224
238
243
267
297
324
Total equity
118
123
224
238
243
267
297
324
Total liabilities and equity
1,284
1,468
1,526
1,796
1,964
1,856
1,895
2,151
Shares outstanding
0
26
26
26
26
26.3
25.1
Cash flow statement
FY2019
FY2019
FY2020
FY2021
FY2022
FY2023
FY2024
FY2025
Net income
11.5
7.31
5.2
1.08
10.3
21.9
15.3
20.3
Depreciation and amortization
2.37
2.46
2.54
2.5
2.4
2.3
2.1
1.9
Stock-based compensation
0.15
1.27
Deferred income tax
2.08
-0.06
-3.49
-1.2
0.71
0.86
-0.19
-2.24
Cash from operations
23
6.13
2.03
32.7
50
26.3
23.8
11.1
Capital expenditures
-8.02
-2.28
-1.7
-0.6
-0.78
-0.45
-0.84
Acquisitions
-4.7
-1.66
-1.98
-0.48
Purchases of investments
-68.4
-74.6
-246
-343
-141
-32.7
-102
Sales and maturities of investments
66.3
61.5
80.9
56.5
104
188
144
213
Cash from investing
-78.7
-78
-109
-125
-148
-115
-18
-126
Stock issued
109
0.08
Share buybacks
-1.08
-11.3
Cash from financing
136
182
34.2
261
149
-137
8.91
152
Net change in cash
80
110
-73.2
168
51.1
-226
14.7
37.2
Free cash flow
15
3.85
0.32
32.1
49.2
25.8
23
Interest paid
3.19
4.47
4.71
2.12
1.46
5.44
21.8
30
Income taxes paid
3.25
5.35
1.8
2
1.5
4.8
5
9.25
Key metrics
Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $17.67 on September 25, 2026.
Profitability
Metric
Value
How it is calculated
Pre-tax margin
131.5%
Pre-tax income / revenue.
Net margin
103.4%
Net income / revenue.
Operating cash flow margin
147.7%
Cash from operations / revenue.
Effective tax rate
21.4%
Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)
5.1%
Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)
0.7%
Net income / average total assets.
Stock-based pay / revenue
8.4%
Stock-based compensation (from the cash flow statement) / revenue.
D&A / revenue
14.7%
Depreciation and amortization / revenue.
Growth
Metric
Value
How it is calculated
Revenue CAGR, 5y
4.7%
Compound annual growth of revenue over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Net income CAGR, 5y
31.3%
Compound annual growth of net income over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
EPS CAGR, 5y
31.6%
Compound annual growth of eps over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Operating cash flow CAGR, 5y
40.6%
Compound annual growth of operating cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Book value CAGR, 5y
7.7%
Compound annual growth of book value over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Total assets CAGR, 5y
7.1%
Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Share count change per year, 5y
-0.4%
Change in diluted weighted shares, per year over 5 years. Negative means buybacks shrank the share count; positive means dilution.
Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
Revenue per share
$0.67
Revenue / diluted weighted shares.
Operating cash flow per share
$0.99
Cash from operations / diluted weighted shares.
Book value per share
$13.22
Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Market cap + total debt - cash - short-term investments.
P/E
26.1x
Market cap / net income. Only when net income is positive.
P/S
26.9x
Market cap / revenue.
P/B
1.34x
Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book
1.45x
Market cap / tangible book value, when positive.
P/OCF
18.2x
Market cap / cash from operations, when positive.
EV/Sales
21.1x
Enterprise value / revenue.
Earnings yield
3.8%
Net income / market cap (the inverse of P/E).
What was Pioneer Bancorp, Inc./MD's revenue in fiscal 2025?
Pioneer Bancorp, Inc./MD reported revenue of $15.8M for fiscal 2025, 5.8% higher than the year before.
Was Pioneer Bancorp, Inc./MD profitable in fiscal 2025?
Yes. Net income was $20.3M, a net margin of 128.3%.
Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.