In fiscal 2025, which ended Dec 31, 2025, Pioneer Bancorp, Inc./MD reported revenue of $15.8 million, up 5.8% from the year before. Net income was $20.3 million, a profit margin of 128.3%. Diluted earnings per share were $0.83. Over the twelve months ended Jun 30, 2026, revenue was $16.3 million and net income was $16.8 million. Across the 6 fiscal years shown, revenue grew from $12.6 million in fiscal 2020 to $15.8 million in fiscal 2025, about 4.7% a year.
USD in millions, except per-share amounts and margins. The percent under a figure is the change from the year before.
| Line |
FY 2026
Jun 30, 2026
|
FY 2025
Dec 31, 2025
|
FY 2024
Jun 30, 2024
|
FY 2023
Jun 30, 2023
|
FY 2022
Jun 30, 2022
|
FY 2021
Jun 30, 2021
|
FY 2020
Jun 30, 2020
|
FY 2019
Jun 30, 2019
|
|---|---|---|---|---|---|---|---|---|
| Revenue |
16
+9.2%
|
16
+5.8%
|
15
+15.2%
|
13
-1.9%
|
13
+3.6%
|
13
+1.7%
|
13
|
—
|
| Pretax income |
21
-19.6%
|
26
+36.5%
|
19
-30.3%
|
28
+108.8%
|
13
+401.4%
|
3
-55.6%
|
6
-25.5%
|
8
|
| Income tax |
5
-20.7%
|
6
+49.5%
|
4
-29.8%
|
6
+93.1%
|
3
+93.2%
|
2
+98.6%
|
1
+8.1%
|
1
|
| Net income |
17
-19.2%
|
20
+32.9%
|
15
-30.5%
|
22
+113.5%
|
10
+854.4%
|
1
-79.3%
|
5
-28.9%
|
7
|
| Basic EPS |
0.70
-16.5%
|
0.83
+36.1%
|
0.61
-29.9%
|
0.87
+112.2%
|
0.41
+925.0%
|
0.04
-81.0%
|
0.21
|
—
|
| Diluted EPS |
0.69
-17.0%
|
0.83
+36.1%
|
0.61
-29.9%
|
0.87
+112.2%
|
0.41
+925.0%
|
0.04
-81.0%
|
0.21
|
—
|
| Weighted average shares, basic |
24
-3.3%
|
24
-2.9%
|
25
+0.1%
|
25
+0.2%
|
25
|
—
|
—
|
—
|
| Weighted average shares, diluted |
24
-2.7%
|
25
-2.6%
|
25
+0.2%
|
25
+0.2%
|
25
|
—
|
—
|
—
|
| Other measures | ||||||||
| Depreciation and amortization |
2
-2.6%
|
2
-9.5%
|
2
-8.7%
|
2
-4.2%
|
2
-4.0%
|
2
-1.7%
|
3
+3.2%
|
2
|
| Margins | ||||||||
| Pretax margin |
131.48%
|
167.50%
|
129.80%
|
214.65%
|
100.82%
|
20.83%
|
47.77%
|
—
|
| Profit margin |
103.38%
|
128.29%
|
102.05%
|
169.13%
|
77.69%
|
8.44%
|
41.42%
|
—
|
| Effective tax rate |
21.37%
|
23.41%
|
21.38%
|
21.21%
|
22.93%
|
59.51%
|
13.29%
|
9.16%
|
How these figures are calculated
Annual columns are full-year amounts from the annual report (Form 10-K, 20-F, or 40-F). If a company restates a year, the latest filed number is shown. USD in millions, except per-share amounts and margins. Weighted average shares are in millions. Interest expense and finance costs are positive costs. A negative amount on a gain (loss) or income (expense) line is a loss or an expense. EBITDA is operating income plus depreciation and amortization. Interest coverage is operating income divided by interest expense. The first column is the trailing twelve months through the latest quarter. More on our methodology.
New to this? Read How to Read an Income Statement, With a Real Example.
Company profile
- Industry
- Savings Institutions, Not Federally Chartered (SIC 6036)
- Listed as
- PBFS (Nasdaq)
- Fiscal year ends
- December 31
- Incorporated in
- MD
- Headquarters
- Albany, NY
- SEC filer status
- Accelerated filer, Smaller reporting company
- SEC CIK
- 1769663
Other Savings Institutions, Not Federally Chartered companies
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- Beacon Financial Corp BBT
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- NB Bancorp, Inc. NBBK
- Southern Missouri Bancorp, Inc. SMBC
- Third Coast Bancshares, Inc. TCBX
- Greene County Bancorp Inc GCBC
- Home Bancorp, Inc. HBCP
All 40 Savings Institutions, Not Federally Chartered companies
Source: SEC EDGAR filings. This is company-reported data, not investment advice.