What is Pioneer Bancorp, Inc.'s free cash flow margin?

Pioneer Bancorp, Inc. (PBFS) reported free cash flow margin of 32.4% in Q4 2023.

What does free cash flow margin mean?

Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.

Pioneer Bancorp, Inc. PBFS Free cash flow margin

Free cash flow margin at other companies

KeyCorpKEY

28.4%—

Trustco Bank CorpTRST

30.8%+7.0pp

Community Financial SystemCBU

28.9%+3.3pp

Colony BankcorpCBAN

27.7%—

First BancorpFNLC

57.1%+24.5pp

Citizens & NorthernCZNC

28.3%+3.5pp

Other financials

Income statement

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Revenue$24.6M+7.9%

Net income$5.3M-8.2%

EPS (diluted)$0.22-4.3%

Balance sheet

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Cash & equivalents$156.9M+12.4%

Total debt$54.4M+20.3%

Total equity$328.6M+5.8%

Total assets$2.2B+7.3%

Cash flow

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Operating cash flow-$161.0K+95.4%

CapEx$112.8K—

Free cash flow$6.5M—

Valuation

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Market cap$420.91M+46.8%

P/E21.2×+3.7×

P/S4.3×+0.9×

Profitability

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Net margin20.2%+0.8pp

Returns & leverage

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Return on equity6.2%+0.8pp

Debt / equity0.2×0.0×

Where this comes from

Calculated from Pioneer Bancorp, Inc.’s reported figures.

free cash flow/total revenue=32.4%

Based on trailing twelve months.

The official record: Pioneer Bancorp, Inc.’s 10-K, filed March 12, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Pioneer Bancorp, Inc.'s free cash flow margin?: Pioneer Bancorp, Inc. (PBFS) reported free cash flow margin of 32.4% in Q4 2023.
What does free cash flow margin mean?: Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.