Pioneer Bancorp, Inc./MD
PBFSNasdaqFinancials · Savings Institutions, Not Federally Chartered · MD · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | $15.8M | $15.0M | $13.0M | $13.2M | $12.8M | $12.6M |
| Operating income | — | — | — | — | — | — |
| Net income | $20.3M | $15.3M | $21.9M | $10.3M | $1.1M | $5.2M |
| Total assets | $2.15B | $1.90B | $1.86B | $1.96B | $1.80B | $1.53B |
| Total liabilities | $1.83B | $1.60B | $1.59B | $1.72B | $1.56B | $1.30B |
| Equity | $323.9M | $296.5M | $266.7M | $242.6M | $237.8M | $224.0M |
| EPS (diluted) | $0.83 | $0.61 | $0.87 | $0.41 | $0.04 | $0.21 |
| Shares out. | 25.1M | 26.2M | 26.0M | 26.0M | 26.0M | 26.0M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- 128.3%
- Return on equity
- 6.3%
- Return on assets
- 0.9%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 84.9%
- Debt / equity
- 5.64×
- Book value / share
- $12.92
- Revenue growth (YoY)
- 5.8%
- Net income growth (YoY)
- 32.9%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- 0.4%clean
- Piotroski F-Score
- 4/7mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 severe● 1 warning● 3 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- High leverage (liabilities > 70% of assets)
- Revenue is growing year-over-year
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 10-Qmissed a reporting deadline ↗Feb 16, 2021
- NT 10-Qmissed a reporting deadline ↗Nov 15, 2019
- NT 10-Kmissed a reporting deadline ↗Oct 1, 2019
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- M3 Partners LpPassive (13G)Nov 14, 2025
- Fj Capital Management LlcPassive (13G)Nov 13, 2024
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Tomczak JesseOfficer — EVP and CBO | Dec 12, 2025 | Sell | 156 | $14.60 |
| Ratsep Thomas E.Officer — EVP - Chief Credit Officer | Dec 11, 2025 | Grant | 20,000 | $0.00 |
| Signor ThomasOfficer — EVP and CAO | May 21, 2025 | Tax withholding | 1,442 | $11.78 |
| Hollister Susan MOfficer — EVP and CHRO | May 21, 2025 | Tax withholding | 2,523 | $11.78 |
| Arnold KelliOfficer — EVP and CSO | May 21, 2025 | Tax withholding | 1,439 | $11.78 |
| Tomczak JesseOfficer — EVP and CCEO | May 21, 2025 | Tax withholding | 3,605 | $11.78 |
| Seifert CharlesDirector | Dec 17, 2024 | Grant | 5,000 | $0.00 |
| Mahoney ShaunDirector | Jun 13, 2024 | Buy | 4,500 | $10.41 |
| Hollister Susan MOfficer — EVP and CHRO | Jun 6, 2024 | I | 7,074 | $10.06 |
| Mahoney ShaunDirector | Mar 22, 2024 | L | 150 | $9.29 |
| Hengsterman StacyDirector | Mar 22, 2024 | L | 113 | $9.29 |
| Reinfurt EdwardDirector | May 21, 2024 | Grant | 15,000 | $0.00 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 85,137 | 7.1 | -1.5% |
| Apr 30, 2026 | 86,409 | 9.7 | +1.8% |
| Apr 15, 2026 | 84,882 | 9.5 | -18.9% |
| Mar 31, 2026 | 104,727 | 4.6 | +9.5% |
| Mar 13, 2026 | 95,672 | 7.6 | +19.0% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Shareholder voteMay 20, 2026
- Results of operationsApr 30, 2026
- Completed an acquisition or disposition · Other material eventApr 28, 2026
- Other material eventApr 22, 2026
- Results of operationsJan 30, 2026
- Director / officer changeDec 22, 2025
- Other material eventDec 17, 2025
- Other material eventDec 11, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- 8-KPIONEER BANCORP, INC. FORM 8-K MAY 19, 2026May 20, 2026
- 10-QMay 11, 2026
- 8-KApr 30, 2026
- 8-KApr 28, 2026
- 8-KPIONEER BANCORP, INC. FORM 8-K APRIL 20, 2026Apr 22, 2026
- ARSApr 7, 2026
- DEF 14AApr 7, 2026
- 10-KMar 12, 2026
- 8-KJan 30, 2026
- 8-KPIONEER BANCORP, INC. FORM 8-K DECEMBER 16, 2025Dec 22, 2025
- 8-KPIONEER BANCORP, INC. FORM 8-K DECEMBER 17, 2025Dec 17, 2025
- 4FORM 4Dec 15, 2025
- 4FORM 4Dec 15, 2025
- 144Dec 12, 2025
- 8-KPIONEER BANCORP, INC. FORM 8-K DECEMBER 11, 2025Dec 11, 2025
Event-driven situations (1)
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