Pioneer Bancorp, Inc. (PBFS)
Nasdaq · Savings Institutions, Not Federally Chartered · Finance, insurance and real estate · CIK 1769663 · fiscal year ends in Dec
Closing price $17.98 on 29 Oct 2026; 52-week range $13.02 to $18.54.
Key figures
The last twelve months reported, with the latest price and balance sheet.
- Revenue, last twelve months
- $102.0M
- Revenue growth
- 11.5%
- Net income, last twelve months
- $16.8M
- Earnings per share
- $0.69
- Net margin
- 16.5%
- Return on equity
- 5.1%
- Market value
- $446.8M
- Price to earnings
- 26.1x
- Cash
- $94.6M
- Debt
- $0
- Debt to equity
- 0.00
- Shares outstanding
- 24.8M
Financial statements
Revenue, profit and cash flow by fiscal year, each year linked to its annual report.
| Fiscal year | Year end | Revenue | Operating income | Net income | EPS | Free cash flow | Filing |
|---|---|---|---|---|---|---|---|
| FY2025 | 31 Dec 2025 | $96.3M | – | $20.3M | $0.83 | – | 10-K filed 12 Mar 2026 |
By quarter
| Quarter | Quarter end | Revenue | Net income | EPS |
|---|---|---|---|---|
| Q2 FY2026 | 30 Jun 2026 | $28.3M | $3.5M | $0.14 |
| Q1 FY2026 | 31 Mar 2026 | $24.6M | $5.3M | $0.22 |
| Q4 FY2025 | 31 Dec 2025 | $25.0M | $3.7M | $0.15 |
| Q3 FY2025 | 30 Sep 2025 | $24.0M | $4.3M | $0.18 |
| Q2 FY2025 | 30 Jun 2025 | $24.4M | $6.5M | $0.26 |
| Q1 FY2025 | 31 Mar 2025 | $22.8M | $5.8M | $0.23 |
| Q4 FY2024 | 31 Dec 2024 | $22.3M | $3.3M | $0.13 |
| Q3 FY2024 | 30 Sep 2024 | $22.0M | $6.3M | $0.25 |
Company events
The newest 8-K filings of 53 held.
| Filed | Form | Event | Items |
|---|---|---|---|
| 30 Jul 2026 | 8-K | Results | 2.02, 9.01 |
| 29 Jul 2026 | 8-K | Other events | 8.01, 9.01 |
| 23 Jul 2026 | 8-K | Leadership change | 5.02, 9.01 |
| 20 May 2026 | 8-K | Shareholder vote | 5.07 |
| 30 Apr 2026 | 8-K | Results | 2.02, 9.01 |
| 28 Apr 2026 | 8-K | Deal completed, Other events | 2.01, 8.01, 9.01 |
| 22 Apr 2026 | 8-K | Other events | 8.01, 9.01 |
| 30 Jan 2026 | 8-K | Results | 2.02, 9.01 |
| 22 Dec 2025 | 8-K | Leadership change | 5.02, 9.01 |
| 17 Dec 2025 | 8-K | Other events | 8.01, 9.01 |
| 11 Dec 2025 | 8-K | Other events | 8.01, 9.01 |
| 30 Oct 2025 | 8-K | Results | 2.02, 9.01 |
Every filing
The newest filings with the SEC of 125 held.
| Filed | Form | Period |
|---|---|---|
| 10 Aug 2026 | 10-Q | 30 Jun 2026 |
| 10 Aug 2026 | 8-K/A | 24 Apr 2026 |
| 30 Jul 2026 | 8-K | 30 Jul 2026 |
| 29 Jul 2026 | 8-K | 29 Jul 2026 |
| 23 Jul 2026 | 8-K | 21 Jul 2026 |
| 29 Jun 2026 | 11-K | 31 Dec 2025 |
| 20 May 2026 | 8-K | 19 May 2026 |
| 11 May 2026 | 10-Q | 31 Mar 2026 |
| 30 Apr 2026 | 8-K | 30 Apr 2026 |
| 28 Apr 2026 | 8-K | 24 Apr 2026 |
| 22 Apr 2026 | 8-K | 20 Apr 2026 |
| 7 Apr 2026 | ARS | 31 Dec 2025 |
Insider trades
Form 4 trades by officers, directors and 10% owners, last 12 months.
| Traded | Insider | Type | Shares | Price | Value | Held after | Form 4 |
|---|---|---|---|---|---|---|---|
| 12 Dec 2025 | Tomczak Jesse, EVP and CBO | Sale outside a trading plan | 156 | $14.60 | $2.3K | 46,239 | 15 Dec 2025 |
| 12 Dec 2025 | Tomczak Jesse, EVP and CBO | Sale outside a trading plan | 96 | $14.61 | $1.4K | 46,143 | 15 Dec 2025 |
| 12 Dec 2025 | Tomczak Jesse, EVP and CBO | Sale outside a trading plan | 128 | $14.61 | $1.9K | 46,015 | 15 Dec 2025 |
| 12 Dec 2025 | Tomczak Jesse, EVP and CBO | Sale outside a trading plan | 339 | $14.62 | $5.0K | 45,676 | 15 Dec 2025 |
| 12 Dec 2025 | Tomczak Jesse, EVP and CBO | Sale outside a trading plan | 2 | $14.63 | $29 | 45,674 | 15 Dec 2025 |
| 12 Dec 2025 | Tomczak Jesse, EVP and CBO | Sale outside a trading plan | 62 | $14.64 | $908 | 45,612 | 15 Dec 2025 |
| 12 Dec 2025 | Tomczak Jesse, EVP and CBO | Sale outside a trading plan | 889 | $14.65 | $13.0K | 44,723 | 15 Dec 2025 |
| 12 Dec 2025 | Tomczak Jesse, EVP and CBO | Sale outside a trading plan | 277 | $14.66 | $4.1K | 44,446 | 15 Dec 2025 |
| 12 Dec 2025 | Tomczak Jesse, EVP and CBO | Sale outside a trading plan | 27 | $14.67 | $396 | 44,419 | 15 Dec 2025 |
| 12 Dec 2025 | Tomczak Jesse, EVP and CBO | Sale outside a trading plan | 624 | $14.68 | $9.2K | 43,795 | 15 Dec 2025 |
| 12 Dec 2025 | Tomczak Jesse, EVP and CBO | Sale outside a trading plan | 748 | $14.69 | $11.0K | 43,047 | 15 Dec 2025 |
| 12 Dec 2025 | Tomczak Jesse, EVP and CBO | Sale outside a trading plan | 401 | $14.70 | $5.9K | 42,646 | 15 Dec 2025 |
Planned insider sales
Form 144 notices, filed when the sell order goes to the broker.
| Filed | Seller | Shares | Value | Planned sale |
|---|---|---|---|---|
| 12 Dec 2025 | Tomczak Jesse, Officer | 5,395 | $76.7K | 12 Dec 2025 |
Large holders
Schedule 13D and 13G filings by holders of more than 5% of the voting shares.
| Filed | Holder | Schedule | Stake | Shares |
|---|---|---|---|---|
| 14 Nov 2025 | M3 Funds, LLC | 13G amended | 7.45% | 1.9M |
Short interest
Shares sold short and not yet bought back, on each FINRA settlement date.
| Settlement | Shares short | Change | Days to cover |
|---|---|---|---|
| 15 Oct 2026 | 126.9K | +0.21% | 9.76 |
| 30 Sep 2026 | 126.6K | -13.22% | 6.33 |
| 15 Sep 2026 | 145.9K | +8.66% | 9.99 |
| 31 Aug 2026 | 134.3K | +4.24% | 16.25 |
| 14 Aug 2026 | 128.8K | +9.21% | 16.39 |
| 31 Jul 2026 | 118.0K | +3.68% | 10.59 |
| 15 Jul 2026 | 113.8K | +12.05% | 9.34 |
| 30 Jun 2026 | 101.5K | -7.98% | 2.95 |
Funds that hold it
From each fund's latest Form 13F.
84 funds held it at 30 Jun 2026: 31 added and 29 trimmed in the quarter. The largest:
| Fund | Shares | Value | Change in the quarter |
|---|---|---|---|
| M3F, Inc. | 1,821,973 | $31.1M | -250,000 |
| BlackRock, Inc. | 631,152 | $10.8M | +29,010 |
| Vanguard Capital Management LLC | 484,060 | $8.3M | -41,613 |
| AllianceBernstein L.P. | 523,014 | $7.3M | +14,033 |
| Private Capital Management, LLC | 366,774 | $6.3M | +11,935 |
| Geode Capital Management, LLC | 266,275 | $4.5M | +32,894 |
| Dimensional Fund Advisors LP | 224,755 | $3.8M | +7,163 |
| State Street Corp. | 180,376 | $3.1M | -1,540 |
| First Pacific Advisors, LP | 166,974 | $2.9M | 0 |
| Northern Trust Corp. | 83,423 | $1.4M | +4,302 |
Peers
Companies in the same industry.
- Flagstar Bank, National Association (FLG): revenue $2.1B, market value $4.4B
- Beacon Financial Corp. (BBT): revenue –, market value $2.6B
- Heritage Financial Corp. (HFWA): revenue $294.1M, market value $1.2B
- NB Bancorp, Inc. (NBBK): revenue $259.2M, market value $988.5M
- Southern Missouri Bancorp, Inc. (SMBC): revenue $200.6M, market value $790.6M
- Third Coast Bancshares, Inc. (TCBX): revenue $236.6M, market value $671.6M
- Greene County Bancorp Inc. (GCBC): revenue $92.6M, market value $609.0M
- Home Bancorp, Inc. (HBCP): revenue $153.8M, market value $483.2M
- Avidia Bancorp, Inc. (AVBC): revenue $112.9M, market value $472.2M