Pioneer Bancorp, Inc.PBFSEarnings & Financial Report
Pioneer Bancorp, Inc. (MD) is a bank holding company operating as the parent entity of Pioneer Bank. It provides a full suite of retail and commercial banking products and services, including deposit accounts, residential and commercial mortgages, consumer loans, and small business financing, primarily serving individual and corporate customers across local communities in Maryland, U.S.
PBFS Q4 FY2025 Key Financial Metrics
Revenue
$25.0M
Gross Profit
N/A
Operating Profit
$5.3M
Net Profit
$3.7M
Gross Margin
N/A
Operating Margin
21.3%
Net Margin
82.1%
YoY Growth
N/A
EPS
$0.16
Pioneer Bancorp, Inc. Q4 FY2025 Financial Summary
Pioneer Bancorp, Inc. reported revenue of $25.0M for Q4 FY2025, with a net profit of $3.7M (82.1% margin).
Key Financial Metrics
| Total Revenue | $25.0M |
|---|---|
| Net Profit | $3.7M |
| Gross Margin | N/A |
| Operating Margin | 21.3% |
| Report Period | Q4 FY2025 |
Pioneer Bancorp, Inc. Annual Revenue by Year
Pioneer Bancorp, Inc. annual revenue history includes year-by-year totals (for example, 2025 revenue was $96.3M).
Pioneer Bancorp, Inc. Quarterly Revenue & Net Profit History
Pioneer Bancorp, Inc. results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q4 FY2025 | $25.0M | — | $3.7M | 82.1% |
| Q3 FY2025 | $24.0M | +9.1% | $4.3M | 18.0% |
| Q2 FY2025 | $24.4M | +16.9% | $6.5M | 26.4% |
| Q1 FY2025 | $22.8M | +5.8% | $5.8M | 25.3% |
| Q3 FY2024 | $22.0M | +13.1% | $6.3M | 28.7% |
| Q2 FY2024 | $20.9M | — | $3.9M | 107.4% |
| Q1 FY2024 | $21.6M | +3.8% | $4.7M | 21.9% |
| Q4 FY2023 | $4.2M | +16.7% | $3.2M | 76.4% |
Income Statement
| Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $4.2M | $21.6M | $20.9M | $22.0M | $22.8M | $24.4M | $24.0M | $25.0M |
| YoY Growth | 16.7% | 3.8% | N/A | 13.1% | 5.8% | 16.9% | 9.1% | N/A |
Balance Sheet
| Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $1.85B | $1.98B | N/A | $2.01B | $2.07B | $2.10B | $2.24B | $2.15B |
| Liabilities | $1.57B | $1.69B | N/A | $1.71B | $1.76B | $1.78B | $1.93B | $1.83B |
| Equity | $283.8M | $289.0M | $296.5M | $303.8M | $310.7M | $314.2M | $314.2M | $323.9M |
Cash Flow
| Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $-943000 | $3.3M | $9.0M | $1.9M | $-3.5M | $5.1M | $3.9M | $11.1M |