Pioneer Bancorp, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Pioneer Bancorp, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 2/3Sales grew in 2 of the last 3 years; profit grew in 2 of 3.
Steadier than 53% of Financial Services companies in United States.
Growth Efficiency Ratio
$25Sales grew 71% in 3 years; of every extra $100 of sales, $25 became extra profit.
Higher than 51% of Financial Services companies in United States.
Asset Productivity Ratio
+71% / +9%In 3 years sales changed by +71% while total assets changed by +9%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
99%Of every $100 the company owns, $99 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 80% of Financial Services companies in United States.
Tangible Net Worth Ratio
96%Of every $100 of net worth, $96 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 80% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Pioneer Bancorp, Inc. owes $0.86 for every $1 it owns. Net profit rose 33% in the year to Dec 2025, and grew 25% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
26.3Investors pay $26.3 for every $1 of Pioneer Bancorp, Inc.'s yearly profit, higher than 84% of Financial Services companies in United States.
P/B ratio
1.35The share price is 1.35 times Pioneer Bancorp, Inc.'s book value per share, higher than 57% of Financial Services companies in United States.
Market cap
$445 MThe total market value of all of Pioneer Bancorp, Inc.'s shares at today's price (share price × number of shares), smaller than 61% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$328 MWhat Pioneer Bancorp, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$13.58Net worth divided by the number of shares. The share price of $18.39 is 1.4 times this, which is the P/B above.
Return on equity (ROE)
5.2%Pioneer Bancorp, Inc. earned 5.2% on its shareholders' money over the last year, lower than 74% of Financial Services companies in United States.
Owes vs Owns
0.86×Pioneer Bancorp, Inc. owes $0.86 for every $1 it owns (high), higher than 56% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
NonePioneer Bancorp, Inc. does not currently pay a dividend.
Revenue growth
+25%Revenue rose 25% in the year to Dec 2025, and grew 19% a year on average over 3 years.
Profit growth
+33%Net profit rose 33% in the year to Dec 2025, and grew 25% a year on average over 3 years.
Profit margin
21.1%Pioneer Bancorp, Inc. keeps $21 of every $100 of revenue as net profit.
Questions
What is Pioneer Bancorp, Inc.'s P/E ratio?
Investors pay $26.3 for every $1 of Pioneer Bancorp, Inc.'s yearly profit, higher than 84% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Pioneer Bancorp, Inc.: $445 M ÷ $328 M (30 Jun 2026) = 1.4.
What is Pioneer Bancorp, Inc.'s return on equity?
Pioneer Bancorp, Inc. earned 5.2% on its shareholders' money over the last year, lower than 74% of Financial Services companies in United States.
How much does Pioneer Bancorp, Inc. owe compared with what it owns?
Pioneer Bancorp, Inc. owes $0.86 for every $1 it owns (high), higher than 56% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Pioneer Bancorp, Inc. pay a dividend?
No. Pioneer Bancorp, Inc. does not currently pay a dividend.
Is Pioneer Bancorp, Inc.'s revenue growing?
Revenue rose 25% in the year to Dec 2025, and grew 19% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.