View Future GrowthPioneer Bancorp 과거 순이익 실적과거 기준 점검 2/6Pioneer Bancorp은 연평균 25.9%의 비율로 수입이 증가해 온 반면, Banks 산업은 수입이 2.8% 증가했습니다. 매출은 연평균 12.3%의 비율로 증가했습니다. Pioneer Bancorp의 자기자본이익률은 6%이고 순이익률은 21%입니다.핵심 정보25.86%순이익 성장률26.35%주당순이익(EPS) 성장률Banks 산업 성장률11.18%매출 성장률12.34%자기자본이익률6.03%순이익률20.99%최근 순이익 업데이트31 Mar 2026최근 과거 실적 업데이트Reported Earnings • May 01First quarter 2026 earnings released: EPS: US$0.22 (vs US$0.23 in 1Q 2025)First quarter 2026 results: EPS: US$0.22 (down from US$0.23 in 1Q 2025). Revenue: US$23.8m (up 8.3% from 1Q 2025). Net income: US$5.29m (down 8.2% from 1Q 2025). Profit margin: 22% (down from 26% in 1Q 2025). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 4% per year but the company’s share price has increased by 18% per year, which means it is tracking significantly ahead of earnings growth.Reported Earnings • Mar 15Full year 2025 earnings released: EPS: US$0.83 (vs US$0.73 in FY 2024)Full year 2025 results: EPS: US$0.83 (up from US$0.73 in FY 2024). Revenue: US$92.6m (up 8.1% from FY 2024). Net income: US$20.3m (up 11% from FY 2024). Profit margin: 22% (in line with FY 2024). Non-performing loans: 0.67% (up from 0.36% in FY 2024). Over the last 3 years on average, earnings per share has increased by 7% per year whereas the company’s share price has increased by 12% per year.Reported Earnings • Feb 01Full year 2025 earnings released: EPS: US$0.83 (vs US$0.77 in FY 2024)Full year 2025 results: EPS: US$0.83 (up from US$0.77 in FY 2024). Revenue: US$92.6m (up 5.1% from FY 2024). Net income: US$20.3m (up 5.7% from FY 2024). Profit margin: 22% (in line with FY 2024). Over the last 3 years on average, earnings per share has increased by 7% per year whereas the company’s share price has increased by 8% per year.Reported Earnings • Nov 02Third quarter 2025 earnings released: EPS: US$0.18 (vs US$0.25 in 3Q 2024)Third quarter 2025 results: EPS: US$0.18 (down from US$0.25 in 3Q 2024). Revenue: US$23.2m (up 1.5% from 3Q 2024). Net income: US$4.33m (down 31% from 3Q 2024). Profit margin: 19% (down from 28% in 3Q 2024). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 9% per year whereas the company’s share price has increased by 8% per year.공시 • Oct 31Pioneer Bancorp, Inc. Announces Net Charge-Offs for the Three Months Ended September 30, 2025Pioneer Bancorp, Inc. announced net charge-offs for the three months ended September 30, 2025. For the period, company reported Net charge-offs were $4,000 compared to net recoveries of $134,000 for the three months ended September 30, 2024.Reported Earnings • Jul 31Second quarter 2025 earnings released: EPS: US$0.26 (vs US$0.16 in 2Q 2024)Second quarter 2025 results: EPS: US$0.26 (up from US$0.16 in 2Q 2024). Revenue: US$22.9m (up 14% from 2Q 2024). Net income: US$6.45m (up 64% from 2Q 2024). Profit margin: 28% (up from 20% in 2Q 2024). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 13% per year but the company’s share price has only increased by 7% per year, which means it is significantly lagging earnings growth.모든 업데이트 보기Recent updatesReported Earnings • May 01First quarter 2026 earnings released: EPS: US$0.22 (vs US$0.23 in 1Q 2025)First quarter 2026 results: EPS: US$0.22 (down from US$0.23 in 1Q 2025). Revenue: US$23.8m (up 8.3% from 1Q 2025). Net income: US$5.29m (down 8.2% from 1Q 2025). Profit margin: 22% (down from 26% in 1Q 2025). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 4% per year but the company’s share price has increased by 18% per year, which means it is tracking significantly ahead of earnings growth.공시 • Apr 08Pioneer Bancorp, Inc., Annual General Meeting, May 19, 2026Pioneer Bancorp, Inc., Annual General Meeting, May 19, 2026.Reported Earnings • Mar 15Full year 2025 earnings released: EPS: US$0.83 (vs US$0.73 in FY 2024)Full year 2025 results: EPS: US$0.83 (up from US$0.73 in FY 2024). Revenue: US$92.6m (up 8.1% from FY 2024). Net income: US$20.3m (up 11% from FY 2024). Profit margin: 22% (in line with FY 2024). Non-performing loans: 0.67% (up from 0.36% in FY 2024). Over the last 3 years on average, earnings per share has increased by 7% per year whereas the company’s share price has increased by 12% per year.Reported Earnings • Feb 01Full year 2025 earnings released: EPS: US$0.83 (vs US$0.77 in FY 2024)Full year 2025 results: EPS: US$0.83 (up from US$0.77 in FY 2024). Revenue: US$92.6m (up 5.1% from FY 2024). Net income: US$20.3m (up 5.7% from FY 2024). Profit margin: 22% (in line with FY 2024). Over the last 3 years on average, earnings per share has increased by 7% per year whereas the company’s share price has increased by 8% per year.Recent Insider Transactions • Dec 17Executive VP & Chief Banking Officer recently sold US$79k worth of stockOn the 12th of December, Jesse Tomczak sold around 5k shares on-market at roughly US$14.69 per share. This transaction amounted to 9.3% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. This was the only on-market transaction from insiders over the last 12 months.Recent Insider Transactions Derivative • Dec 14Executive VP & Chief Banking Officer notifies of intention to sell stockJesse Tomczak intends to sell 5k shares in the next 90 days after lodging an Intent To Sell Form on the 12th of December. If the sale is conducted around the recent share price of US$14.21, it would amount to US$77k. Since March 2025, Jesse's direct individual holding has decreased from 59.54k shares to 58.05k. There have been no trades via on-market transactions or options from company insiders in the last 12 months.Buy Or Sell Opportunity • Nov 05Now 21% overvalued after recent price riseOver the last 90 days, the stock has risen 8.3% to US$13.40. The fair value is estimated to be US$11.05, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 10% over the last 3 years. Earnings per share has grown by 9.1%.Reported Earnings • Nov 02Third quarter 2025 earnings released: EPS: US$0.18 (vs US$0.25 in 3Q 2024)Third quarter 2025 results: EPS: US$0.18 (down from US$0.25 in 3Q 2024). Revenue: US$23.2m (up 1.5% from 3Q 2024). Net income: US$4.33m (down 31% from 3Q 2024). Profit margin: 19% (down from 28% in 3Q 2024). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 9% per year whereas the company’s share price has increased by 8% per year.공시 • Oct 31Pioneer Bancorp, Inc. Announces Net Charge-Offs for the Three Months Ended September 30, 2025Pioneer Bancorp, Inc. announced net charge-offs for the three months ended September 30, 2025. For the period, company reported Net charge-offs were $4,000 compared to net recoveries of $134,000 for the three months ended September 30, 2024.Reported Earnings • Jul 31Second quarter 2025 earnings released: EPS: US$0.26 (vs US$0.16 in 2Q 2024)Second quarter 2025 results: EPS: US$0.26 (up from US$0.16 in 2Q 2024). Revenue: US$22.9m (up 14% from 2Q 2024). Net income: US$6.45m (up 64% from 2Q 2024). Profit margin: 28% (up from 20% in 2Q 2024). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 13% per year but the company’s share price has only increased by 7% per year, which means it is significantly lagging earnings growth.공시 • Jul 31Pioneer Bancorp, Inc. Reports Net Charge-Offs for the Quarter Ended June 30, 2025Pioneer Bancorp, Inc. reported net charge-offs for the quarter ended June 30, 2025. For the quarter, the company reported net charge-offs of $70,000 compared to net charge-offs of $129,000 reported a year ago.Buy Or Sell Opportunity • Jul 23Now 20% overvalued after recent price riseOver the last 90 days, the stock has risen 14% to US$12.61. The fair value is estimated to be US$10.48, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 13% over the last 3 years. Earnings per share has grown by 20%.공시 • Jun 30Pioneer Bancorp, Inc.(NasdaqCM:PBFS) dropped from Russell 2000 Dynamic IndexPioneer Bancorp, Inc.(NasdaqCM:PBFS) dropped from Russell 2000 Dynamic IndexReported Earnings • May 01First quarter 2025 earnings released: EPS: US$0.23 (vs US$0.19 in 1Q 2024)First quarter 2025 results: EPS: US$0.23 (up from US$0.19 in 1Q 2024). Revenue: US$22.0m (up 2.4% from 1Q 2024). Net income: US$5.76m (up 22% from 1Q 2024). Profit margin: 26% (up from 22% in 1Q 2024). The increase in margin was primarily driven by lower expenses. Over the last 3 years on average, earnings per share has increased by 20% per year but the company’s share price has only increased by 4% per year, which means it is significantly lagging earnings growth.공시 • Apr 14Pioneer Bancorp, Inc., Annual General Meeting, May 20, 2025Pioneer Bancorp, Inc., Annual General Meeting, May 20, 2025.Buy Or Sell Opportunity • Mar 24Now 22% overvalued after recent price riseOver the last 90 days, the stock has risen 4.2% to US$11.91. The fair value is estimated to be US$9.74, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 14% over the last 3 years. Earnings per share has grown by 27%.Reported Earnings • Mar 13Full year 2024 earnings released: EPS: US$0.77 (vs US$0.68 in FY 2023)Full year 2024 results: EPS: US$0.77 (up from US$0.68 in FY 2023). Revenue: US$88.1m (up 22% from FY 2023). Net income: US$19.2m (up 12% from FY 2023). Profit margin: 22% (down from 24% in FY 2023). The decrease in margin was driven by higher expenses. Non-performing loans: 0.36% (down from 0.93% in FY 2023). Over the last 3 years on average, earnings per share has increased by 27% per year but the company’s share price has only increased by 4% per year, which means it is significantly lagging earnings growth.Buy Or Sell Opportunity • Feb 13Now 23% overvalued after recent price riseOver the last 90 days, the stock has risen 4.0% to US$11.99. The fair value is estimated to be US$9.74, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 12% over the last 3 years. Earnings per share has grown by 26%.Reported Earnings • Jan 31Second quarter 2025 earnings released: EPS: US$0.13 (vs US$0.13 in 2Q 2024)Second quarter 2025 results: EPS: US$0.13 (up from US$0.13 in 2Q 2024). Revenue: US$21.2m (up 53% from 2Q 2024). Net income: US$3.29m (up 3.1% from 2Q 2024). Profit margin: 16% (down from 23% in 2Q 2024). Over the last 3 years on average, earnings per share has increased by 26% per year but the company’s share price has remained flat, which means it is significantly lagging earnings.공시 • Jan 31Pioneer Bancorp, Inc. Reports Net Charge Offs for the Three Months Ended December 31, 2024Pioneer Bancorp, Inc. reported net charge offs for the three months ended December 31, 2024. For the period, the company reported Net charge-offs of $156,000 compared to net charge-offs of $366,000 for the three months ended December 31, 2023.Reported Earnings • Nov 01First quarter 2025 earnings released: EPS: US$0.25 (vs US$0.14 in 1Q 2024)First quarter 2025 results: EPS: US$0.25 (up from US$0.14 in 1Q 2024). Revenue: US$22.9m (up 22% from 1Q 2024). Net income: US$6.31m (up 85% from 1Q 2024). Profit margin: 28% (up from 18% in 1Q 2024). Over the last 3 years on average, earnings per share has increased by 38% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.공시 • Oct 22Pioneer Bancorp, Inc., Annual General Meeting, Nov 19, 2024Pioneer Bancorp, Inc., Annual General Meeting, Nov 19, 2024.Reported Earnings • Sep 26Full year 2024 earnings released: EPS: US$0.61 (vs US$0.87 in FY 2023)Full year 2024 results: EPS: US$0.61 (down from US$0.87 in FY 2023). Revenue: US$74.2m (down 6.9% from FY 2023). Net income: US$15.3m (down 31% from FY 2023). Profit margin: 21% (down from 28% in FY 2023). Net interest margin (NIM): 3.78% (up from 3.72% in FY 2023). Cost-to-income ratio: 73.3% (up from 65.1% in FY 2023). Non-performing loans: 0.66% (down from 1.52% in FY 2023). Over the last 3 years on average, earnings per share has increased by 50% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.New Risk • Aug 02New minor risk - Earnings qualityThe company has large one-off items impacting its financial results. One-off items were 45% of the size of the rest of the company's trailing 12-month earnings before tax. This is considered a minor risk. One-off items are incomes or expenses that the company does not expect to repeat in future periods. Examples include profits from the sale of a business or expenses from a restructuring or legal settlements. If the company's reported statutory earnings include a large proportion of one-off items it means they may be an unreliable indicator of its true business performance as the earnings were skewed by these incomes or expenses. This is currently the only risk that has been identified for the company.Reported Earnings • Aug 01Full year 2024 earnings released: EPS: US$0.61 (vs US$0.87 in FY 2023)Full year 2024 results: EPS: US$0.61 (down from US$0.87 in FY 2023). Revenue: US$80.1m (flat on FY 2023). Net income: US$15.3m (down 31% from FY 2023). Profit margin: 19% (down from 28% in FY 2023). Over the last 3 years on average, earnings per share has increased by 50% per year but the company’s share price has fallen by 2% per year, which means it is significantly lagging earnings.Buy Or Sell Opportunity • Jul 11Now 21% overvalued after recent price riseOver the last 90 days, the stock has risen 20% to US$10.80. The fair value is estimated to be US$8.96, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 16% over the last 3 years. Earnings per share has grown by 56%.New Risk • May 06New minor risk - Earnings qualityThe company has large one-off items impacting its financial results. One-off items were 43% of the size of the rest of the company's trailing 12-month earnings before tax. This is considered a minor risk. One-off items are incomes or expenses that the company does not expect to repeat in future periods. Examples include profits from the sale of a business or expenses from a restructuring or legal settlements. If the company's reported statutory earnings include a large proportion of one-off items it means they may be an unreliable indicator of its true business performance as the earnings were skewed by these incomes or expenses. This is currently the only risk that has been identified for the company.Reported Earnings • May 02Third quarter 2024 earnings released: EPS: US$0.19 (vs US$0.24 in 3Q 2023)Third quarter 2024 results: EPS: US$0.19 (down from US$0.24 in 3Q 2023). Revenue: US$21.5m (up 3.5% from 3Q 2023). Net income: US$4.72m (down 22% from 3Q 2023). Profit margin: 22% (down from 29% in 3Q 2023). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 56% per year but the company’s share price has fallen by 9% per year, which means it is significantly lagging earnings.New Risk • Feb 16New minor risk - Earnings qualityThe company has large one-off items impacting its financial results. One-off items were 38% of the size of the rest of the company's trailing 12-month earnings before tax. This is considered a minor risk. One-off items are incomes or expenses that the company does not expect to repeat in future periods. Examples include profits from the sale of a business or expenses from a restructuring or legal settlements. If the company's reported statutory earnings include a large proportion of one-off items it means they may be an unreliable indicator of its true business performance as the earnings were skewed by these incomes or expenses. This is currently the only risk that has been identified for the company.Reported Earnings • Feb 08Second quarter 2024 earnings released: EPS: US$0.13 (vs US$0.25 in 2Q 2023)Second quarter 2024 results: EPS: US$0.13 (down from US$0.25 in 2Q 2023). Revenue: US$19.8m (down 7.8% from 2Q 2023). Net income: US$3.19m (down 48% from 2Q 2023). Profit margin: 16% (down from 29% in 2Q 2023). The decrease in margin was primarily driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 62% per year but the company’s share price has fallen by 4% per year, which means it is significantly lagging earnings.Board Change • Feb 01Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 4 experienced directors. 3 highly experienced directors. Independent Director Stacey Hengsterman was the last director to join the board, commencing their role in 2021. The following issues are considered to be risks according to the Simply Wall St Risk Model: Insufficient board refreshment.Board Change • Feb 01Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 4 experienced directors. 3 highly experienced directors. Independent Director Stacey Hengsterman was the last director to join the board, commencing their role in 2021. The following issues are considered to be risks according to the Simply Wall St Risk Model: Insufficient board refreshment.공시 • Nov 22Pioneer Bancorp, Inc. Announces Board ChangesOn November 21, 2023, Donald E. Fane resigned from the Board of Directors of Pioneer Bancorp, Inc.Reported Earnings • Nov 09First quarter 2024 earnings released: EPS: US$0.14 (vs US$0.21 in 1Q 2023)First quarter 2024 results: EPS: US$0.14 (down from US$0.21 in 1Q 2023). Revenue: US$18.7m (up 1.9% from 1Q 2023). Net income: US$3.42m (down 35% from 1Q 2023). Profit margin: 18% (down from 28% in 1Q 2023). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 61% per year but the company’s share price has fallen by 10% per year, which means it is significantly lagging earnings.공시 • Oct 21Pioneer Bancorp, Inc., Annual General Meeting, Nov 21, 2023Pioneer Bancorp, Inc., Annual General Meeting, Nov 21, 2023, at 09:00 US Eastern Standard Time. Agenda: To consider the election of three directors; to consider the ratification of the appointment of Bonadio & Co., LLP as the independent registered public accounting firm for the year ending June 30, 2024; and to consider such other matters as may properly come before the annual meeting, or any adjournments thereof. The Board of Directors is not aware of any other business to come before the annual meeting.Reported Earnings • Aug 18Full year 2023 earnings released: EPS: US$0.87 (vs US$0.41 in FY 2022)Full year 2023 results: EPS: US$0.87 (up from US$0.41 in FY 2022). Revenue: US$79.7m (up 40% from FY 2022). Net income: US$21.9m (up 114% from FY 2022). Profit margin: 28% (up from 18% in FY 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 59% per year but the company’s share price has only increased by 3% per year, which means it is significantly lagging earnings growth.공시 • Aug 17Pioneer Bancorp, Inc. Reports Net Charge-Offs for the Fourth Quarter Ended June 30, 2023Pioneer Bancorp, Inc. reported net charge-offs for the fourth quarter ended June 30, 2023. The company recorded net charge-offs of $25,000 for the three months ended June 30, 2023, compared to net recoveries of $749,000 for the three months ended June 30, 2022.공시 • Jul 18Pioneer Bancorp, Inc. (NasdaqCM:PBFS) acquired Hudson Financial LLC.Pioneer Bancorp, Inc. (NasdaqCM:PBFS) acquired Hudson Financial LLC on July 17, 2023. Following the takeover, Hudson Financial is to maintain its office in Hudson, New York.Pioneer Bancorp, Inc. (NasdaqCM:PBFS) completed the acquisition of Hudson Financial LLC on July 17, 2023.Reported Earnings • May 07Third quarter 2023 earnings released: EPS: US$0.24 (vs US$0.012 in 3Q 2022)Third quarter 2023 results: EPS: US$0.24 (up from US$0.012 in 3Q 2022). Revenue: US$20.8m (up 54% from 3Q 2022). Net income: US$6.02m (up US$5.72m from 3Q 2022). Profit margin: 29% (up from 2.2% in 3Q 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 42% per year but the company’s share price has fallen by 3% per year, which means it is significantly lagging earnings.Reported Earnings • Feb 01Second quarter 2023 earnings released: EPS: US$0.25 (vs US$0.25 in 2Q 2022)Second quarter 2023 results: EPS: US$0.25 (down from US$0.25 in 2Q 2022). Revenue: US$21.5m (up 49% from 2Q 2022). Net income: US$6.18m (down 1.2% from 2Q 2022). Profit margin: 29% (down from 43% in 2Q 2022). Over the last 3 years on average, earnings per share has increased by 12% per year but the company’s share price has fallen by 9% per year, which means it is significantly lagging earnings.Reported Earnings • Nov 16First quarter 2023 earnings released: EPS: US$0.21 (vs US$0.054 in 1Q 2022)First quarter 2023 results: EPS: US$0.21 (up from US$0.054 in 1Q 2022). Revenue: US$18.4m (up 39% from 1Q 2022). Net income: US$5.23m (up 286% from 1Q 2022). Profit margin: 28% (up from 10% in 1Q 2022). Over the last 3 years on average, earnings per share has fallen by 13% per year but the company’s share price has only fallen by 5% per year, which means it has not declined as severely as earnings.Reported Earnings • Nov 10First quarter 2023 earnings released: EPS: US$0.21 (vs US$0.054 in 1Q 2022)First quarter 2023 results: EPS: US$0.21 (up from US$0.054 in 1Q 2022). Revenue: US$18.4m (up 39% from 1Q 2022). Net income: US$5.23m (up 286% from 1Q 2022). Profit margin: 28% (up from 10% in 1Q 2022). Over the last 3 years on average, earnings per share has fallen by 13% per year but the company’s share price has only fallen by 7% per year, which means it has not declined as severely as earnings.공시 • Oct 15Pioneer Bancorp, Inc., Annual General Meeting, Nov 15, 2022Pioneer Bancorp, Inc., Annual General Meeting, Nov 15, 2022, at 09:00 US Eastern Standard Time. Agenda: To consider the election of two directors; to consider the ratification of the appointment of bonadio & co., llp as the independent registered public accounting firm for the year ending june 30, 2023; and such other matters as may properly come before the annual meeting, or any adjournments thereof. The Board of Directors is not aware of any other business to come before the annual meeting.Reported Earnings • Sep 24Full year 2022 earnings released: EPS: US$0.41 (vs US$0.043 in FY 2021)Full year 2022 results: EPS: US$0.41 (up from US$0.043 in FY 2021). Net income: US$10.3m (up US$9.20m from FY 2021). Net interest margin (NIM): 2.41% (down from 2.79% in FY 2021). Cost-to-income ratio: 77.4% (down from 88.3% in FY 2021). Non-performing loans: 0.70% (down from 1.99% in FY 2021). Over the last 3 years on average, earnings per share has fallen by 45% per year but the company’s share price has only fallen by 10% per year, which means it has not declined as severely as earnings.공시 • Aug 31Pioneer Bancorp, Inc. Names Thomas Signor as Chief Administrative OfficerPioneer Bancorp, Inc. has hired Thomas Signor as executive vice president and chief administration officer. Signor replaces Frank Sarratori, who resigned in June [1] from his roles as executive vice president, chief administrative officer, general counsel and corporate secretary of Pioneer Bank. He had worked at the bank for 18 years. In Signor's role at Pioneer, he will oversee bank operations, including deposit and retail loan operations, compliance, risk, information technology, security, and facilities management. He spent 16 years at Kinderhook Bank, where he started as an internal auditor and later was executive vice president and chief operating officer. At Kinderhook, he managed operations, retail loan servicing, IT, compliance, electronic banking and facilities. He oversaw construction of five new bank branches, and he led the integration process for the bank's acquisition of Patriot Federal Bank. Signor, a licensed CPA, was previously a shareholder at Pattison, Koskey, Rath & Florio PC in Valatie. Previous jobs included chief compliance officer for Paradigm Capital Management and most recently chief risk officer for National Bank of Coxsackie. Signor graduated from Siena College with a bachelor's degree in accounting. He lives with his family in Clifton Park.Reported Earnings • May 13Third quarter 2022 earnings released: EPS: US$0.012 (vs US$0.053 in 3Q 2021)Third quarter 2022 results: EPS: US$0.012 (down from US$0.053 in 3Q 2021). Revenue: US$13.5m (up 1.4% from 3Q 2021). Net income: US$302.0k (down 78% from 3Q 2021). Profit margin: 2.2% (down from 10% in 3Q 2021). The decrease in margin was driven by higher expenses.Reported Earnings • Feb 11Second quarter 2022 earnings: Revenues and EPS in line with analyst expectationsSecond quarter 2022 results: EPS: US$0.25 (up from US$0.076 in 2Q 2021). Revenue: US$14.4m (up 4.2% from 2Q 2021). Net income: US$6.26m (up 230% from 2Q 2021). Profit margin: 43% (up from 14% in 2Q 2021). Revenue was in line with analyst estimates.Reported Earnings • Nov 11First quarter 2022 earnings released: EPS US$0.054 (vs US$0.056 in 1Q 2021)The company reported a soft first quarter result with weaker earnings, although revenues and profit margins were flat. First quarter 2022 results: Revenue: US$13.2m (flat on 1Q 2021). Net income: US$1.36m (down 2.7% from 1Q 2021). Profit margin: 10% (in line with 1Q 2021).Reported Earnings • Sep 30Full year 2021 earnings released: EPS US$0.043 (vs US$0.26 loss in FY 2020)The company reported a strong full year result with improved earnings, revenues and profit margins. Full year 2021 results: Revenue: US$53.5m (up 28% from FY 2020). Net income: US$1.08m (up US$7.59m from FY 2020). Profit margin: 2.0% (up from net loss in FY 2020).Reported Earnings • May 16Third quarter 2021 earnings released: EPS US$0.053 (vs US$0.034 in 3Q 2020)The company reported a strong third quarter result with improved earnings, revenues and profit margins. Third quarter 2021 results: Revenue: US$13.3m (up 9.6% from 3Q 2020). Net income: US$1.34m (up 58% from 3Q 2020). Profit margin: 10% (up from 7.0% in 3Q 2020).공시 • Feb 18Pioneer Bancorp, Inc. announced delayed 10-Q filingOn 02/16/2021, Pioneer Bancorp, Inc. announced that they will be unable to file their next 10-Q by the deadline required by the SEC.공시 • Jan 24Pioneer Bancorp, Inc. Appoints Stacy Hengsterman to Board of DirectorOn January 19, 2021, the Board of Directors of Pioneer Bancorp, Inc. appointed Stacy Hengsterman to the Company's Board of Directors. Ms. Hengsterman is the President and Chief Executive Officer of Special Olympics New York The Board anticipates appointing Ms. Hengsterman to the Nominating and Corporate Governance Committee of the Board.분석 기사 • Jan 13What You Need To Know About Pioneer Bancorp, Inc.'s (NASDAQ:PBFS) Investor CompositionIf you want to know who really controls Pioneer Bancorp, Inc. ( NASDAQ:PBFS ), then you'll have to look at the makeup...분석 기사 • Nov 21Pioneer Bancorp's(NASDAQ:PBFS) Share Price Is Down 20% Over The Past Year.While not a mind-blowing move, it is good to see that the Pioneer Bancorp, Inc. (NASDAQ:PBFS) share price has gained...공시 • Nov 18Pioneer Bank Appoints Kelli Arnold as Senior Vice President of Commercial and Community DevelopmentPioneer Bank announced that it has hired Kelli Arnold as senior vice president of commercial and community development. In the position, Arnold will expand the bank's commercial banking division. Arnold was previously the national director of corporate responsibility and community engagement at KeyBank. Arnold would be taking over the position left vacant by Rob Nichols, who was recently promoted to executive vice president and chief credit officer.Reported Earnings • Nov 14First quarter 2021 earnings released: EPS US$0.056The company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2021 results: Revenue: US$13.1m (up US$12.3m from 1Q 2020). Net income: US$1.39m (up US$14.1m from 1Q 2020). Profit margin: 11% (up from net loss in 1Q 2020). The move to profitability was primarily driven by higher revenue.Is New 90 Day High Low • Nov 10New 90-day high: US$10.51The company is up 19% from its price of US$8.85 on 12 August 2020. The American market is up 7.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Mortgage industry, which is down 2.0% over the same period.Is New 90 Day High Low • Oct 23New 90-day high: US$9.36The company is up 7.0% from its price of US$8.72 on 24 July 2020. The American market is up 8.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Mortgage industry, which is up 9.0% over the same period.Is New 90 Day High Low • Oct 06New 90-day high: US$9.06The company is up 6.0% from its price of US$8.55 on 08 July 2020. The American market is up 7.0% over the last 90 days, indicating the company underperformed over that time. However, it outperformed the Mortgage industry, which is down 13% over the same period.Reported Earnings • Sep 30Full year earnings released - US$0.26 loss per shareOver the last 12 months the company has reported total losses of US$6.51m, with earnings decreasing by US$25.3m from the prior year. Total revenue was US$41.9m over the last 12 months, down 32% from the prior year.공시 • Jul 03Pioneer Bancorp, Inc.(NasdaqCM:PBFS) dropped from Russell 2500 Growth IndexPioneer Bancorp, Inc.(NasdaqCM:PBFS) dropped from Russell 2500 Growth Index공시 • Jul 02Pioneer Bancorp, Inc.(NasdaqCM:PBFS) dropped from Russell 3000 Growth IndexPioneer Bancorp, Inc.(NasdaqCM:PBFS) dropped from Russell 3000 Growth Index매출 및 비용 세부 내역Pioneer Bancorp가 돈을 벌고 사용하는 방법. 최근 발표된 LTM 실적 기준.순이익 및 매출 추이NasdaqCM:PBFS 매출, 비용 및 순이익 (USD Millions)날짜매출순이익일반관리비연구개발비31 Mar 26942059031 Dec 25932056030 Sep 25922156030 Jun 25912355031 Mar 25861954031 Dec 24861855030 Sep 24781854030 Jun 24741554031 Mar 24731652031 Dec 23721750030 Sep 23802048030 Jun 23802246031 Mar 23762045031 Dec 22691444030 Sep 22621442030 Jun 22571042031 Mar 2254441031 Dec 2154541030 Sep 2154141030 Jun 2154141031 Mar 2153640031 Dec 2052639030 Sep 2054840030 Jun 2058539031 Mar 2062938031 Dec 19651336030 Sep 19631434030 Jun 19621933031 Mar 19601832031 Dec 18581732030 Sep 18561431030 Jun 18541131030 Jun 17446300양질의 수익: PBFS는 고품질 수익을 보유하고 있습니다.이익 마진 증가: PBFS의 현재 순 이익률 (21%)은 지난해 (22.4%)보다 낮습니다.잉여현금흐름 대비 순이익 분석과거 순이익 성장 분석수익추이: PBFS의 수익은 지난 5년 동안 연평균 25.9%로 크게 증가했습니다.성장 가속화: 지난 1년간 PBFS 의 수익 증가율(2.7%)은 5년 평균(연간 25.9%)보다 낮습니다.수익 대 산업: PBFS의 지난 1년 수익 증가율(2.7%)은 Banks 업계 평균(22.8%)을 능가하지 못했습니다.자기자본이익률높은 ROE: PBFS의 자본 수익률(6%)은 낮음으로 평가됩니다.총자산이익률투하자본수익률우수한 과거 실적 기업을 찾아보세요7D1Y7D1Y7D1YBanks 산업에서 과거 실적이 우수한 기업.View Financial Health기업 분석 및 재무 데이터 상태데이터최종 업데이트 (UTC 시간)기업 분석2026/05/22 08:49종가2026/05/22 00:00수익2026/03/31연간 수익2025/12/31데이터 소스당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.패키지데이터기간미국 소스 예시 *기업 재무제표10년손익계산서현금흐름표대차대조표SEC 양식 10-KSEC 양식 10-Q분석가 컨센서스 추정치+3년재무 예측분석가 목표주가분석가 리서치 보고서Blue Matrix시장 가격30년주가배당, 분할 및 기타 조치ICE 시장 데이터SEC 양식 S-1지분 구조10년주요 주주내부자 거래SEC 양식 4SEC 양식 13D경영진10년리더십 팀이사회SEC 양식 10-KSEC 양식 DEF 14A주요 개발10년회사 공시SEC 양식 8-K* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.분석 모델 및 스노우플레이크이 보고서를 생성하는 데 사용된 분석 모델에 대한 자세한 내용은 당사의 Github 페이지에서 확인하실 수 있습니다. 또한 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공합니다.Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.산업 및 섹터 지표산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.분석가 소스Pioneer Bancorp, Inc.는 0명의 분석가가 다루고 있습니다. 이 중 0명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.
Reported Earnings • May 01First quarter 2026 earnings released: EPS: US$0.22 (vs US$0.23 in 1Q 2025)First quarter 2026 results: EPS: US$0.22 (down from US$0.23 in 1Q 2025). Revenue: US$23.8m (up 8.3% from 1Q 2025). Net income: US$5.29m (down 8.2% from 1Q 2025). Profit margin: 22% (down from 26% in 1Q 2025). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 4% per year but the company’s share price has increased by 18% per year, which means it is tracking significantly ahead of earnings growth.
Reported Earnings • Mar 15Full year 2025 earnings released: EPS: US$0.83 (vs US$0.73 in FY 2024)Full year 2025 results: EPS: US$0.83 (up from US$0.73 in FY 2024). Revenue: US$92.6m (up 8.1% from FY 2024). Net income: US$20.3m (up 11% from FY 2024). Profit margin: 22% (in line with FY 2024). Non-performing loans: 0.67% (up from 0.36% in FY 2024). Over the last 3 years on average, earnings per share has increased by 7% per year whereas the company’s share price has increased by 12% per year.
Reported Earnings • Feb 01Full year 2025 earnings released: EPS: US$0.83 (vs US$0.77 in FY 2024)Full year 2025 results: EPS: US$0.83 (up from US$0.77 in FY 2024). Revenue: US$92.6m (up 5.1% from FY 2024). Net income: US$20.3m (up 5.7% from FY 2024). Profit margin: 22% (in line with FY 2024). Over the last 3 years on average, earnings per share has increased by 7% per year whereas the company’s share price has increased by 8% per year.
Reported Earnings • Nov 02Third quarter 2025 earnings released: EPS: US$0.18 (vs US$0.25 in 3Q 2024)Third quarter 2025 results: EPS: US$0.18 (down from US$0.25 in 3Q 2024). Revenue: US$23.2m (up 1.5% from 3Q 2024). Net income: US$4.33m (down 31% from 3Q 2024). Profit margin: 19% (down from 28% in 3Q 2024). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 9% per year whereas the company’s share price has increased by 8% per year.
공시 • Oct 31Pioneer Bancorp, Inc. Announces Net Charge-Offs for the Three Months Ended September 30, 2025Pioneer Bancorp, Inc. announced net charge-offs for the three months ended September 30, 2025. For the period, company reported Net charge-offs were $4,000 compared to net recoveries of $134,000 for the three months ended September 30, 2024.
Reported Earnings • Jul 31Second quarter 2025 earnings released: EPS: US$0.26 (vs US$0.16 in 2Q 2024)Second quarter 2025 results: EPS: US$0.26 (up from US$0.16 in 2Q 2024). Revenue: US$22.9m (up 14% from 2Q 2024). Net income: US$6.45m (up 64% from 2Q 2024). Profit margin: 28% (up from 20% in 2Q 2024). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 13% per year but the company’s share price has only increased by 7% per year, which means it is significantly lagging earnings growth.
Reported Earnings • May 01First quarter 2026 earnings released: EPS: US$0.22 (vs US$0.23 in 1Q 2025)First quarter 2026 results: EPS: US$0.22 (down from US$0.23 in 1Q 2025). Revenue: US$23.8m (up 8.3% from 1Q 2025). Net income: US$5.29m (down 8.2% from 1Q 2025). Profit margin: 22% (down from 26% in 1Q 2025). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 4% per year but the company’s share price has increased by 18% per year, which means it is tracking significantly ahead of earnings growth.
공시 • Apr 08Pioneer Bancorp, Inc., Annual General Meeting, May 19, 2026Pioneer Bancorp, Inc., Annual General Meeting, May 19, 2026.
Reported Earnings • Mar 15Full year 2025 earnings released: EPS: US$0.83 (vs US$0.73 in FY 2024)Full year 2025 results: EPS: US$0.83 (up from US$0.73 in FY 2024). Revenue: US$92.6m (up 8.1% from FY 2024). Net income: US$20.3m (up 11% from FY 2024). Profit margin: 22% (in line with FY 2024). Non-performing loans: 0.67% (up from 0.36% in FY 2024). Over the last 3 years on average, earnings per share has increased by 7% per year whereas the company’s share price has increased by 12% per year.
Reported Earnings • Feb 01Full year 2025 earnings released: EPS: US$0.83 (vs US$0.77 in FY 2024)Full year 2025 results: EPS: US$0.83 (up from US$0.77 in FY 2024). Revenue: US$92.6m (up 5.1% from FY 2024). Net income: US$20.3m (up 5.7% from FY 2024). Profit margin: 22% (in line with FY 2024). Over the last 3 years on average, earnings per share has increased by 7% per year whereas the company’s share price has increased by 8% per year.
Recent Insider Transactions • Dec 17Executive VP & Chief Banking Officer recently sold US$79k worth of stockOn the 12th of December, Jesse Tomczak sold around 5k shares on-market at roughly US$14.69 per share. This transaction amounted to 9.3% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. This was the only on-market transaction from insiders over the last 12 months.
Recent Insider Transactions Derivative • Dec 14Executive VP & Chief Banking Officer notifies of intention to sell stockJesse Tomczak intends to sell 5k shares in the next 90 days after lodging an Intent To Sell Form on the 12th of December. If the sale is conducted around the recent share price of US$14.21, it would amount to US$77k. Since March 2025, Jesse's direct individual holding has decreased from 59.54k shares to 58.05k. There have been no trades via on-market transactions or options from company insiders in the last 12 months.
Buy Or Sell Opportunity • Nov 05Now 21% overvalued after recent price riseOver the last 90 days, the stock has risen 8.3% to US$13.40. The fair value is estimated to be US$11.05, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 10% over the last 3 years. Earnings per share has grown by 9.1%.
Reported Earnings • Nov 02Third quarter 2025 earnings released: EPS: US$0.18 (vs US$0.25 in 3Q 2024)Third quarter 2025 results: EPS: US$0.18 (down from US$0.25 in 3Q 2024). Revenue: US$23.2m (up 1.5% from 3Q 2024). Net income: US$4.33m (down 31% from 3Q 2024). Profit margin: 19% (down from 28% in 3Q 2024). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 9% per year whereas the company’s share price has increased by 8% per year.
공시 • Oct 31Pioneer Bancorp, Inc. Announces Net Charge-Offs for the Three Months Ended September 30, 2025Pioneer Bancorp, Inc. announced net charge-offs for the three months ended September 30, 2025. For the period, company reported Net charge-offs were $4,000 compared to net recoveries of $134,000 for the three months ended September 30, 2024.
Reported Earnings • Jul 31Second quarter 2025 earnings released: EPS: US$0.26 (vs US$0.16 in 2Q 2024)Second quarter 2025 results: EPS: US$0.26 (up from US$0.16 in 2Q 2024). Revenue: US$22.9m (up 14% from 2Q 2024). Net income: US$6.45m (up 64% from 2Q 2024). Profit margin: 28% (up from 20% in 2Q 2024). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 13% per year but the company’s share price has only increased by 7% per year, which means it is significantly lagging earnings growth.
공시 • Jul 31Pioneer Bancorp, Inc. Reports Net Charge-Offs for the Quarter Ended June 30, 2025Pioneer Bancorp, Inc. reported net charge-offs for the quarter ended June 30, 2025. For the quarter, the company reported net charge-offs of $70,000 compared to net charge-offs of $129,000 reported a year ago.
Buy Or Sell Opportunity • Jul 23Now 20% overvalued after recent price riseOver the last 90 days, the stock has risen 14% to US$12.61. The fair value is estimated to be US$10.48, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 13% over the last 3 years. Earnings per share has grown by 20%.
공시 • Jun 30Pioneer Bancorp, Inc.(NasdaqCM:PBFS) dropped from Russell 2000 Dynamic IndexPioneer Bancorp, Inc.(NasdaqCM:PBFS) dropped from Russell 2000 Dynamic Index
Reported Earnings • May 01First quarter 2025 earnings released: EPS: US$0.23 (vs US$0.19 in 1Q 2024)First quarter 2025 results: EPS: US$0.23 (up from US$0.19 in 1Q 2024). Revenue: US$22.0m (up 2.4% from 1Q 2024). Net income: US$5.76m (up 22% from 1Q 2024). Profit margin: 26% (up from 22% in 1Q 2024). The increase in margin was primarily driven by lower expenses. Over the last 3 years on average, earnings per share has increased by 20% per year but the company’s share price has only increased by 4% per year, which means it is significantly lagging earnings growth.
공시 • Apr 14Pioneer Bancorp, Inc., Annual General Meeting, May 20, 2025Pioneer Bancorp, Inc., Annual General Meeting, May 20, 2025.
Buy Or Sell Opportunity • Mar 24Now 22% overvalued after recent price riseOver the last 90 days, the stock has risen 4.2% to US$11.91. The fair value is estimated to be US$9.74, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 14% over the last 3 years. Earnings per share has grown by 27%.
Reported Earnings • Mar 13Full year 2024 earnings released: EPS: US$0.77 (vs US$0.68 in FY 2023)Full year 2024 results: EPS: US$0.77 (up from US$0.68 in FY 2023). Revenue: US$88.1m (up 22% from FY 2023). Net income: US$19.2m (up 12% from FY 2023). Profit margin: 22% (down from 24% in FY 2023). The decrease in margin was driven by higher expenses. Non-performing loans: 0.36% (down from 0.93% in FY 2023). Over the last 3 years on average, earnings per share has increased by 27% per year but the company’s share price has only increased by 4% per year, which means it is significantly lagging earnings growth.
Buy Or Sell Opportunity • Feb 13Now 23% overvalued after recent price riseOver the last 90 days, the stock has risen 4.0% to US$11.99. The fair value is estimated to be US$9.74, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 12% over the last 3 years. Earnings per share has grown by 26%.
Reported Earnings • Jan 31Second quarter 2025 earnings released: EPS: US$0.13 (vs US$0.13 in 2Q 2024)Second quarter 2025 results: EPS: US$0.13 (up from US$0.13 in 2Q 2024). Revenue: US$21.2m (up 53% from 2Q 2024). Net income: US$3.29m (up 3.1% from 2Q 2024). Profit margin: 16% (down from 23% in 2Q 2024). Over the last 3 years on average, earnings per share has increased by 26% per year but the company’s share price has remained flat, which means it is significantly lagging earnings.
공시 • Jan 31Pioneer Bancorp, Inc. Reports Net Charge Offs for the Three Months Ended December 31, 2024Pioneer Bancorp, Inc. reported net charge offs for the three months ended December 31, 2024. For the period, the company reported Net charge-offs of $156,000 compared to net charge-offs of $366,000 for the three months ended December 31, 2023.
Reported Earnings • Nov 01First quarter 2025 earnings released: EPS: US$0.25 (vs US$0.14 in 1Q 2024)First quarter 2025 results: EPS: US$0.25 (up from US$0.14 in 1Q 2024). Revenue: US$22.9m (up 22% from 1Q 2024). Net income: US$6.31m (up 85% from 1Q 2024). Profit margin: 28% (up from 18% in 1Q 2024). Over the last 3 years on average, earnings per share has increased by 38% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.
공시 • Oct 22Pioneer Bancorp, Inc., Annual General Meeting, Nov 19, 2024Pioneer Bancorp, Inc., Annual General Meeting, Nov 19, 2024.
Reported Earnings • Sep 26Full year 2024 earnings released: EPS: US$0.61 (vs US$0.87 in FY 2023)Full year 2024 results: EPS: US$0.61 (down from US$0.87 in FY 2023). Revenue: US$74.2m (down 6.9% from FY 2023). Net income: US$15.3m (down 31% from FY 2023). Profit margin: 21% (down from 28% in FY 2023). Net interest margin (NIM): 3.78% (up from 3.72% in FY 2023). Cost-to-income ratio: 73.3% (up from 65.1% in FY 2023). Non-performing loans: 0.66% (down from 1.52% in FY 2023). Over the last 3 years on average, earnings per share has increased by 50% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.
New Risk • Aug 02New minor risk - Earnings qualityThe company has large one-off items impacting its financial results. One-off items were 45% of the size of the rest of the company's trailing 12-month earnings before tax. This is considered a minor risk. One-off items are incomes or expenses that the company does not expect to repeat in future periods. Examples include profits from the sale of a business or expenses from a restructuring or legal settlements. If the company's reported statutory earnings include a large proportion of one-off items it means they may be an unreliable indicator of its true business performance as the earnings were skewed by these incomes or expenses. This is currently the only risk that has been identified for the company.
Reported Earnings • Aug 01Full year 2024 earnings released: EPS: US$0.61 (vs US$0.87 in FY 2023)Full year 2024 results: EPS: US$0.61 (down from US$0.87 in FY 2023). Revenue: US$80.1m (flat on FY 2023). Net income: US$15.3m (down 31% from FY 2023). Profit margin: 19% (down from 28% in FY 2023). Over the last 3 years on average, earnings per share has increased by 50% per year but the company’s share price has fallen by 2% per year, which means it is significantly lagging earnings.
Buy Or Sell Opportunity • Jul 11Now 21% overvalued after recent price riseOver the last 90 days, the stock has risen 20% to US$10.80. The fair value is estimated to be US$8.96, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 16% over the last 3 years. Earnings per share has grown by 56%.
New Risk • May 06New minor risk - Earnings qualityThe company has large one-off items impacting its financial results. One-off items were 43% of the size of the rest of the company's trailing 12-month earnings before tax. This is considered a minor risk. One-off items are incomes or expenses that the company does not expect to repeat in future periods. Examples include profits from the sale of a business or expenses from a restructuring or legal settlements. If the company's reported statutory earnings include a large proportion of one-off items it means they may be an unreliable indicator of its true business performance as the earnings were skewed by these incomes or expenses. This is currently the only risk that has been identified for the company.
Reported Earnings • May 02Third quarter 2024 earnings released: EPS: US$0.19 (vs US$0.24 in 3Q 2023)Third quarter 2024 results: EPS: US$0.19 (down from US$0.24 in 3Q 2023). Revenue: US$21.5m (up 3.5% from 3Q 2023). Net income: US$4.72m (down 22% from 3Q 2023). Profit margin: 22% (down from 29% in 3Q 2023). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 56% per year but the company’s share price has fallen by 9% per year, which means it is significantly lagging earnings.
New Risk • Feb 16New minor risk - Earnings qualityThe company has large one-off items impacting its financial results. One-off items were 38% of the size of the rest of the company's trailing 12-month earnings before tax. This is considered a minor risk. One-off items are incomes or expenses that the company does not expect to repeat in future periods. Examples include profits from the sale of a business or expenses from a restructuring or legal settlements. If the company's reported statutory earnings include a large proportion of one-off items it means they may be an unreliable indicator of its true business performance as the earnings were skewed by these incomes or expenses. This is currently the only risk that has been identified for the company.
Reported Earnings • Feb 08Second quarter 2024 earnings released: EPS: US$0.13 (vs US$0.25 in 2Q 2023)Second quarter 2024 results: EPS: US$0.13 (down from US$0.25 in 2Q 2023). Revenue: US$19.8m (down 7.8% from 2Q 2023). Net income: US$3.19m (down 48% from 2Q 2023). Profit margin: 16% (down from 29% in 2Q 2023). The decrease in margin was primarily driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 62% per year but the company’s share price has fallen by 4% per year, which means it is significantly lagging earnings.
Board Change • Feb 01Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 4 experienced directors. 3 highly experienced directors. Independent Director Stacey Hengsterman was the last director to join the board, commencing their role in 2021. The following issues are considered to be risks according to the Simply Wall St Risk Model: Insufficient board refreshment.
Board Change • Feb 01Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 4 experienced directors. 3 highly experienced directors. Independent Director Stacey Hengsterman was the last director to join the board, commencing their role in 2021. The following issues are considered to be risks according to the Simply Wall St Risk Model: Insufficient board refreshment.
공시 • Nov 22Pioneer Bancorp, Inc. Announces Board ChangesOn November 21, 2023, Donald E. Fane resigned from the Board of Directors of Pioneer Bancorp, Inc.
Reported Earnings • Nov 09First quarter 2024 earnings released: EPS: US$0.14 (vs US$0.21 in 1Q 2023)First quarter 2024 results: EPS: US$0.14 (down from US$0.21 in 1Q 2023). Revenue: US$18.7m (up 1.9% from 1Q 2023). Net income: US$3.42m (down 35% from 1Q 2023). Profit margin: 18% (down from 28% in 1Q 2023). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 61% per year but the company’s share price has fallen by 10% per year, which means it is significantly lagging earnings.
공시 • Oct 21Pioneer Bancorp, Inc., Annual General Meeting, Nov 21, 2023Pioneer Bancorp, Inc., Annual General Meeting, Nov 21, 2023, at 09:00 US Eastern Standard Time. Agenda: To consider the election of three directors; to consider the ratification of the appointment of Bonadio & Co., LLP as the independent registered public accounting firm for the year ending June 30, 2024; and to consider such other matters as may properly come before the annual meeting, or any adjournments thereof. The Board of Directors is not aware of any other business to come before the annual meeting.
Reported Earnings • Aug 18Full year 2023 earnings released: EPS: US$0.87 (vs US$0.41 in FY 2022)Full year 2023 results: EPS: US$0.87 (up from US$0.41 in FY 2022). Revenue: US$79.7m (up 40% from FY 2022). Net income: US$21.9m (up 114% from FY 2022). Profit margin: 28% (up from 18% in FY 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 59% per year but the company’s share price has only increased by 3% per year, which means it is significantly lagging earnings growth.
공시 • Aug 17Pioneer Bancorp, Inc. Reports Net Charge-Offs for the Fourth Quarter Ended June 30, 2023Pioneer Bancorp, Inc. reported net charge-offs for the fourth quarter ended June 30, 2023. The company recorded net charge-offs of $25,000 for the three months ended June 30, 2023, compared to net recoveries of $749,000 for the three months ended June 30, 2022.
공시 • Jul 18Pioneer Bancorp, Inc. (NasdaqCM:PBFS) acquired Hudson Financial LLC.Pioneer Bancorp, Inc. (NasdaqCM:PBFS) acquired Hudson Financial LLC on July 17, 2023. Following the takeover, Hudson Financial is to maintain its office in Hudson, New York.Pioneer Bancorp, Inc. (NasdaqCM:PBFS) completed the acquisition of Hudson Financial LLC on July 17, 2023.
Reported Earnings • May 07Third quarter 2023 earnings released: EPS: US$0.24 (vs US$0.012 in 3Q 2022)Third quarter 2023 results: EPS: US$0.24 (up from US$0.012 in 3Q 2022). Revenue: US$20.8m (up 54% from 3Q 2022). Net income: US$6.02m (up US$5.72m from 3Q 2022). Profit margin: 29% (up from 2.2% in 3Q 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 42% per year but the company’s share price has fallen by 3% per year, which means it is significantly lagging earnings.
Reported Earnings • Feb 01Second quarter 2023 earnings released: EPS: US$0.25 (vs US$0.25 in 2Q 2022)Second quarter 2023 results: EPS: US$0.25 (down from US$0.25 in 2Q 2022). Revenue: US$21.5m (up 49% from 2Q 2022). Net income: US$6.18m (down 1.2% from 2Q 2022). Profit margin: 29% (down from 43% in 2Q 2022). Over the last 3 years on average, earnings per share has increased by 12% per year but the company’s share price has fallen by 9% per year, which means it is significantly lagging earnings.
Reported Earnings • Nov 16First quarter 2023 earnings released: EPS: US$0.21 (vs US$0.054 in 1Q 2022)First quarter 2023 results: EPS: US$0.21 (up from US$0.054 in 1Q 2022). Revenue: US$18.4m (up 39% from 1Q 2022). Net income: US$5.23m (up 286% from 1Q 2022). Profit margin: 28% (up from 10% in 1Q 2022). Over the last 3 years on average, earnings per share has fallen by 13% per year but the company’s share price has only fallen by 5% per year, which means it has not declined as severely as earnings.
Reported Earnings • Nov 10First quarter 2023 earnings released: EPS: US$0.21 (vs US$0.054 in 1Q 2022)First quarter 2023 results: EPS: US$0.21 (up from US$0.054 in 1Q 2022). Revenue: US$18.4m (up 39% from 1Q 2022). Net income: US$5.23m (up 286% from 1Q 2022). Profit margin: 28% (up from 10% in 1Q 2022). Over the last 3 years on average, earnings per share has fallen by 13% per year but the company’s share price has only fallen by 7% per year, which means it has not declined as severely as earnings.
공시 • Oct 15Pioneer Bancorp, Inc., Annual General Meeting, Nov 15, 2022Pioneer Bancorp, Inc., Annual General Meeting, Nov 15, 2022, at 09:00 US Eastern Standard Time. Agenda: To consider the election of two directors; to consider the ratification of the appointment of bonadio & co., llp as the independent registered public accounting firm for the year ending june 30, 2023; and such other matters as may properly come before the annual meeting, or any adjournments thereof. The Board of Directors is not aware of any other business to come before the annual meeting.
Reported Earnings • Sep 24Full year 2022 earnings released: EPS: US$0.41 (vs US$0.043 in FY 2021)Full year 2022 results: EPS: US$0.41 (up from US$0.043 in FY 2021). Net income: US$10.3m (up US$9.20m from FY 2021). Net interest margin (NIM): 2.41% (down from 2.79% in FY 2021). Cost-to-income ratio: 77.4% (down from 88.3% in FY 2021). Non-performing loans: 0.70% (down from 1.99% in FY 2021). Over the last 3 years on average, earnings per share has fallen by 45% per year but the company’s share price has only fallen by 10% per year, which means it has not declined as severely as earnings.
공시 • Aug 31Pioneer Bancorp, Inc. Names Thomas Signor as Chief Administrative OfficerPioneer Bancorp, Inc. has hired Thomas Signor as executive vice president and chief administration officer. Signor replaces Frank Sarratori, who resigned in June [1] from his roles as executive vice president, chief administrative officer, general counsel and corporate secretary of Pioneer Bank. He had worked at the bank for 18 years. In Signor's role at Pioneer, he will oversee bank operations, including deposit and retail loan operations, compliance, risk, information technology, security, and facilities management. He spent 16 years at Kinderhook Bank, where he started as an internal auditor and later was executive vice president and chief operating officer. At Kinderhook, he managed operations, retail loan servicing, IT, compliance, electronic banking and facilities. He oversaw construction of five new bank branches, and he led the integration process for the bank's acquisition of Patriot Federal Bank. Signor, a licensed CPA, was previously a shareholder at Pattison, Koskey, Rath & Florio PC in Valatie. Previous jobs included chief compliance officer for Paradigm Capital Management and most recently chief risk officer for National Bank of Coxsackie. Signor graduated from Siena College with a bachelor's degree in accounting. He lives with his family in Clifton Park.
Reported Earnings • May 13Third quarter 2022 earnings released: EPS: US$0.012 (vs US$0.053 in 3Q 2021)Third quarter 2022 results: EPS: US$0.012 (down from US$0.053 in 3Q 2021). Revenue: US$13.5m (up 1.4% from 3Q 2021). Net income: US$302.0k (down 78% from 3Q 2021). Profit margin: 2.2% (down from 10% in 3Q 2021). The decrease in margin was driven by higher expenses.
Reported Earnings • Feb 11Second quarter 2022 earnings: Revenues and EPS in line with analyst expectationsSecond quarter 2022 results: EPS: US$0.25 (up from US$0.076 in 2Q 2021). Revenue: US$14.4m (up 4.2% from 2Q 2021). Net income: US$6.26m (up 230% from 2Q 2021). Profit margin: 43% (up from 14% in 2Q 2021). Revenue was in line with analyst estimates.
Reported Earnings • Nov 11First quarter 2022 earnings released: EPS US$0.054 (vs US$0.056 in 1Q 2021)The company reported a soft first quarter result with weaker earnings, although revenues and profit margins were flat. First quarter 2022 results: Revenue: US$13.2m (flat on 1Q 2021). Net income: US$1.36m (down 2.7% from 1Q 2021). Profit margin: 10% (in line with 1Q 2021).
Reported Earnings • Sep 30Full year 2021 earnings released: EPS US$0.043 (vs US$0.26 loss in FY 2020)The company reported a strong full year result with improved earnings, revenues and profit margins. Full year 2021 results: Revenue: US$53.5m (up 28% from FY 2020). Net income: US$1.08m (up US$7.59m from FY 2020). Profit margin: 2.0% (up from net loss in FY 2020).
Reported Earnings • May 16Third quarter 2021 earnings released: EPS US$0.053 (vs US$0.034 in 3Q 2020)The company reported a strong third quarter result with improved earnings, revenues and profit margins. Third quarter 2021 results: Revenue: US$13.3m (up 9.6% from 3Q 2020). Net income: US$1.34m (up 58% from 3Q 2020). Profit margin: 10% (up from 7.0% in 3Q 2020).
공시 • Feb 18Pioneer Bancorp, Inc. announced delayed 10-Q filingOn 02/16/2021, Pioneer Bancorp, Inc. announced that they will be unable to file their next 10-Q by the deadline required by the SEC.
공시 • Jan 24Pioneer Bancorp, Inc. Appoints Stacy Hengsterman to Board of DirectorOn January 19, 2021, the Board of Directors of Pioneer Bancorp, Inc. appointed Stacy Hengsterman to the Company's Board of Directors. Ms. Hengsterman is the President and Chief Executive Officer of Special Olympics New York The Board anticipates appointing Ms. Hengsterman to the Nominating and Corporate Governance Committee of the Board.
분석 기사 • Jan 13What You Need To Know About Pioneer Bancorp, Inc.'s (NASDAQ:PBFS) Investor CompositionIf you want to know who really controls Pioneer Bancorp, Inc. ( NASDAQ:PBFS ), then you'll have to look at the makeup...
분석 기사 • Nov 21Pioneer Bancorp's(NASDAQ:PBFS) Share Price Is Down 20% Over The Past Year.While not a mind-blowing move, it is good to see that the Pioneer Bancorp, Inc. (NASDAQ:PBFS) share price has gained...
공시 • Nov 18Pioneer Bank Appoints Kelli Arnold as Senior Vice President of Commercial and Community DevelopmentPioneer Bank announced that it has hired Kelli Arnold as senior vice president of commercial and community development. In the position, Arnold will expand the bank's commercial banking division. Arnold was previously the national director of corporate responsibility and community engagement at KeyBank. Arnold would be taking over the position left vacant by Rob Nichols, who was recently promoted to executive vice president and chief credit officer.
Reported Earnings • Nov 14First quarter 2021 earnings released: EPS US$0.056The company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2021 results: Revenue: US$13.1m (up US$12.3m from 1Q 2020). Net income: US$1.39m (up US$14.1m from 1Q 2020). Profit margin: 11% (up from net loss in 1Q 2020). The move to profitability was primarily driven by higher revenue.
Is New 90 Day High Low • Nov 10New 90-day high: US$10.51The company is up 19% from its price of US$8.85 on 12 August 2020. The American market is up 7.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Mortgage industry, which is down 2.0% over the same period.
Is New 90 Day High Low • Oct 23New 90-day high: US$9.36The company is up 7.0% from its price of US$8.72 on 24 July 2020. The American market is up 8.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Mortgage industry, which is up 9.0% over the same period.
Is New 90 Day High Low • Oct 06New 90-day high: US$9.06The company is up 6.0% from its price of US$8.55 on 08 July 2020. The American market is up 7.0% over the last 90 days, indicating the company underperformed over that time. However, it outperformed the Mortgage industry, which is down 13% over the same period.
Reported Earnings • Sep 30Full year earnings released - US$0.26 loss per shareOver the last 12 months the company has reported total losses of US$6.51m, with earnings decreasing by US$25.3m from the prior year. Total revenue was US$41.9m over the last 12 months, down 32% from the prior year.
공시 • Jul 03Pioneer Bancorp, Inc.(NasdaqCM:PBFS) dropped from Russell 2500 Growth IndexPioneer Bancorp, Inc.(NasdaqCM:PBFS) dropped from Russell 2500 Growth Index
공시 • Jul 02Pioneer Bancorp, Inc.(NasdaqCM:PBFS) dropped from Russell 3000 Growth IndexPioneer Bancorp, Inc.(NasdaqCM:PBFS) dropped from Russell 3000 Growth Index