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Pioneer Bancorp, Inc. PBFS Free cash flow margin

Free cash flow margin at other companies

KeyCorp logo
KeyCorpKEY
28.4%—
Trustco Bank Corp logo
Trustco Bank CorpTRST
30.3%+2.8pp
Community Financial System logo
Community Financial SystemCBU
28.7%+3.3pp
Colony Bankcorp logo
Colony BankcorpCBAN
27.7%—
Citizens & Northern logo
Citizens & NorthernCZNC
31.4%+7.0pp
First Bancorp logo
First BancorpFNLC
57.1%+24.5pp

Other financials

Income statement

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Revenue$28.3M+16.0%
Net income$3.5M-46.0%
EPS (diluted)$0.14-46.2%

Balance sheet

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Cash & equivalents$94.6M-22.5%
Total debt$54.4M+20.3%
Total equity$328.3M+4.5%
Total assets$2.4B+12.7%

Cash flow

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Operating cash flow$14.7M+189%
CapEx$112.8K—
Free cash flow$6.5M—

Valuation

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Market cap$434.33M+38.3%
P/E25.8×+9.1×
P/S4.3×+0.7×

Profitability

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Net margin16.5%-5.0pp

Returns & leverage

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Return on equity5.2%-0.9pp
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 source filing: Pioneer Bancorp, Inc.’s 10-K, filed March 12, 2026. Open the filing →

Filed
Mar 12, 2026, 4:31 PM EDT
Fiscal year
FY2025
Accession
0001104659-26-027092

FAQ

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.

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