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Pioneer Bancorp, Inc. PBFS Net margin

Net margin at other companies

KeyCorpKEY

25.4%+24.9pp

Trustco Bank CorpTRST

32.9%+3.9pp

Community Financial SystemCBU

26.1%+1.1pp

Colony BankcorpCBAN

22.1%+2.6pp

First BancorpFNLC

37%+3.4pp

Citizens & NorthernCZNC

13.2%-11.4pp

Other financials

Income statement

Revenue$24.6M+7.9%

Net income$5.3M-8.2%

EPS (diluted)$0.22-4.3%

Balance sheet

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

Operating cash flow-$161.0K+95.4%

CapEx$112.8K—

Free cash flow$6.5M—

Valuation

Market cap$420.91M+46.8%

P/E21.2×+3.7×

P/S4.3×+0.9×

Profitability

FCF margin32.4%—

Returns & leverage

Return on equity6.2%+0.8pp

Debt / equity0.2×0.0×

Where this comes from

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

net income/total revenue=20.2%

Based on trailing twelve months.

The official record: Pioneer Bancorp, Inc.’s 10-Q, filed May 11, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Pioneer Bancorp, Inc.'s net margin?: Pioneer Bancorp, Inc. (PBFS) reported net margin of 20.2% in Q1 2026.
How has Pioneer Bancorp, Inc.'s net margin changed year-over-year?: Pioneer Bancorp, Inc.'s net margin increased by 4.2% year-over-year, from 19.4% to 20.2%.
What is the long-term trend for Pioneer Bancorp, Inc.'s net margin?: Over 3 years (2020 to 2025), Pioneer Bancorp, Inc.'s net margin has grown at a 37.7% compound annual growth rate (CAGR), from 8.1% to 21.1%.
What does net margin mean?: Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.