Valuation, from the filing
| Public float | $121.40M | Market value of stock held by non-affiliates, as stated on the cover page for 2025-06-30 |
|---|---|---|
| Float per share | $4.84 | Float divided by shares outstanding in the same filing. A floor under the share price on that date, not the price itself. |
| Float / net income | 6.0× | A lower bound on the multiple, because affiliate holdings are excluded. |
| Float / revenue | 7.7× | A lower bound on the multiple, because affiliate holdings are excluded. |
| Float / equity | 0.4× | A lower bound on the multiple, because affiliate holdings are excluded. |
Every figure here is drawn from the 10-K cover page and the statements behind it, so each one traces to a filing. Public float counts only stock held by non-affiliates, which makes these floors rather than estimates: a high multiple is conclusive, a low one may mean cheap or may mean closely held. The float was measured on 2025-06-30, not today, and each multiple below it uses the figures for the fiscal year ending 2025-12-31 — the year that filing covered.
Valuation over time
6.0× earnings today, against a median of 9.4× across 6 years on record. Below its own history.
| Float measured | Public float | Float / net income | |
|---|---|---|---|
| 2025-06-30 | $121.40M | 6.0× | |
| 2023-12-31 | $108.10M | 7.1× | |
| 2022-12-31 | $122.20M | 5.6× | |
| 2021-12-31 | $120.70M | 11.7× | |
| 2020-12-31 | $112.10M | 104.1× | |
| 2019-12-31 | $160.30M | 30.8× |
Each float is paired with the fiscal year the filing that stated it covers. Only years where the company reported positive net income appear, because a multiple against a loss is not a multiple.
How this compares in its industry
Percentile among the Savings Institutions, Not Federally Chartered filers on this site, highest value first. A high percentile means a large figure, which is good for a margin and not for leverage — the ranking says where the company sits, not whether that is where it should be.
| Measure | Reported | Percentile | |
|---|---|---|---|
| Effective tax rate | 23.4% | 77th |
Pioneer Bancorp, Inc./MD (PBFS) reported revenue of $16.29M and net income of $16.85M for the fiscal year ended 2026-06-30. This page shows 1 annual period of income statement, balance sheet and cash flow figures normalized from Pioneer Bancorp, Inc./MD’s SEC filings, each linked to the filing it came from. It is classified by the SEC under Savings Institutions, Not Federally Chartered.
Banks, brokers and insurers present a top line that is not comparable with an operating company’s revenue: it is reported net of interest expense, or as premiums earned, depending on the filer. The figures are the filer’s own and are traceable to the filing; the comparison across classes is what does not hold.
Income
| Metric | 2026-06-30 |
|---|---|
| Revenue | $16.29M |
| Cost of revenue | Unavailable |
| Gross profit | Unavailable |
| Operating income | Unavailable |
| Net income | $16.85M |
| Research & development | Unavailable |
| Weighted-average diluted shares | Unavailable |
| Pretax income | $21.43M |
| Income tax expense | $4.58M |
| Diluted EPS | Unavailable |
| Selling, general & administrative | Unavailable |
| General & administrative | Unavailable |
| Selling & marketing | Unavailable |
Balance
| Metric | 2026-06-30 |
|---|---|
| Cash & equivalents | Unavailable |
| Total assets | $2.36B |
| Current assets | Unavailable |
| Total liabilities | $2.04B |
| Current liabilities | Unavailable |
| Total equity incl. NCI | $328.34M |
| Temporary (mezzanine) equity | Unavailable |
| Inventory | Unavailable |
| Accounts receivable | Unavailable |
| Goodwill | $26.56M |
| Long-term debt | Unavailable |
| Accounts payable | Unavailable |
Cash flow
| Metric | 2026-06-30 |
|---|---|
| Operating cash flow | $24.07M |
| Capital expenditures | Unavailable |
| Investing cash flow | -$269.32M |
| Financing cash flow | $217.75M |
| Net change in cash | -$27.50M |
| Stock-based compensation | $1.37M |
| Common dividends paid | Unavailable |
| Common share repurchases | Unavailable |
| Depreciation & amortization | $2.40M |
Derived
| Metric | 2026-06-30 |
|---|---|
| Free cash flow | Unavailable |
| Gross margin | Unavailable |
| Operating margin | Unavailable |
| FCF margin | Unavailable |
| SBC / revenue | 8.4% |
| Current ratio | Unavailable |
| Revenue YoY growth | Unavailable |
| Net margin | 103.4% |
| R&D / revenue | Unavailable |
| CapEx / revenue | Unavailable |
| Long-term debt / equity | Unavailable |
| Effective tax rate | 21.4% |
Amounts are abbreviated; the exact reported value is carried in each cell. — means unavailable, not zero. Open PBFS in the interactive workspace to inspect any figure back to its filing.
Source filings
Every accounting identity this site checks — the balance sheet, the gross profit bridge and the cash flow statement — reconciles in every period shown.