📊 PBFS Key Takeaways
Is Pioneer Bancorp, Inc./MD (PBFS) a Good Investment?
Pioneer Bancorp faces critical operational distress with interest coverage of 0.9x indicating inability to cover interest expenses from operating income, combined with negative operating cash flow (-$161K) and negative free cash flow (-$612K) suggesting unsustainable cash burn. The 85.6% YoY revenue collapse paired with weak returns (ROE 1.6%, ROA 0.2%) indicates fundamental deterioration masked by non-operational income sources.
Pioneer Bancorp, Inc./MD Key Strengths (PBFS)
- No long-term debt provides balance sheet flexibility with Debt/Equity of 0.00x
- Solid cash position of $156.9M provides liquidity runway for near-term operations
- Positive net income of $5.3M in absolute terms despite operational stress
PBFS Stock Risks: Pioneer Bancorp, Inc./MD Investment Risks
- Interest coverage of 0.9x - cannot cover interest expenses from operating income, indicating acute solvency stress
- Negative operating cash flow (-$161K) and free cash flow (-$612K) revealing unsustainable cash burn at core operations
- Massive 85.6% YoY revenue decline with unclear cause suggests fundamental business model or market position deterioration
- Extremely low returns on equity (1.6%) and assets (0.2%) indicate severe capital inefficiency
- Operating performance sustained by non-operational income sources only, masking underlying operational failure
Key Metrics to Watch
- Interest coverage ratio - must sustainably exceed 1.5x to avoid covenant violations
- Operating cash flow - must turn positive to demonstrate viability of core banking operations
- Net interest margin and deposit stability trends - critical indicators for banking sector survival
- Revenue stabilization and causes of 85.6% decline - need evidence of business recovery or strategic pivot
- Regulatory capital ratios - monitor for potential minimum requirement violations given operational stress
Pioneer Bancorp, Inc./MD (PBFS) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
PBFS Profit Margin, ROE & Profitability Analysis
PBFS vs Finance Sector: How Pioneer Bancorp, Inc./MD Compares
How Pioneer Bancorp, Inc./MD compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Pioneer Bancorp, Inc./MD Stock Overvalued? PBFS Valuation Analysis 2026
Based on fundamental analysis, Pioneer Bancorp, Inc./MD has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Pioneer Bancorp, Inc./MD Balance Sheet: PBFS Debt, Cash & Liquidity
PBFS Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Pioneer Bancorp, Inc./MD's revenue has grown significantly by 24% over the 5-year period, indicating strong business expansion. The most recent EPS of $0.26 reflects profitable operations.
PBFS Revenue Growth, EPS Growth & YoY Performance
PBFS Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $3.7M | $5.3M | $0.22 |
| Q3 2025 | $3.6M | $3.9M | $0.18 |
| Q2 2025 | $3.7M | $3.9M | $0.16 |
| Q1 2025 | $3.5M | $3.4M | $0.14 |
| Q3 2024 | $3.2M | $3.2M | $0.19 |
| Q2 2024 | $3.6M | $3.2M | $0.13 |
| Q1 2024 | $3.3M | $3.4M | $0.14 |
| Q3 2023 | $3.2M | $302.0K | $0.01 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Pioneer Bancorp, Inc./MD Dividends, Buybacks & Capital Allocation
PBFS SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Pioneer Bancorp, Inc./MD (CIK: 0001769663)
📋 Recent SEC Filings
❓ Frequently Asked Questions about PBFS
What is the AI rating for PBFS?
Pioneer Bancorp, Inc./MD (PBFS) has an AI grade of D with 88% confidence, based on fundamental analysis of SEC EDGAR filings.
What are PBFS's key strengths?
Claude: No long-term debt provides balance sheet flexibility with Debt/Equity of 0.00x. Solid cash position of $156.9M provides liquidity runway for near-term operations.
What are the risks of investing in PBFS?
Claude: Interest coverage of 0.9x - cannot cover interest expenses from operating income, indicating acute solvency stress. Negative operating cash flow (-$161K) and free cash flow (-$612K) revealing unsustainable cash burn at core operations.
What is PBFS's revenue and growth?
Pioneer Bancorp, Inc./MD reported revenue of $3.8M.
Does PBFS pay dividends?
Pioneer Bancorp, Inc./MD does not currently pay dividends.
Where can I find PBFS SEC filings?
Official SEC filings for Pioneer Bancorp, Inc./MD (CIK: 0001769663) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is PBFS's EPS?
Pioneer Bancorp, Inc./MD has a diluted EPS of $0.22.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is PBFS's fundamental grade?
Based on our AI fundamental analysis in May 2026, Pioneer Bancorp, Inc./MD has a D grade with 88% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is PBFS stock overvalued or undervalued?
Valuation metrics for PBFS: ROE of 1.6% (sector avg: 12%), net margin of 137.7% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is PBFS's AI grade for 2026?
Our dual AI analysis gives Pioneer Bancorp, Inc./MD a combined D grade for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is PBFS's free cash flow?
Pioneer Bancorp, Inc./MD's operating cash flow is $-161.0K, with capital expenditures of $451.0K. FCF margin is -15.9%.
How does PBFS compare to other Finance stocks?
Vs Finance sector averages: Net margin 137.7% (avg: 25%), ROE 1.6% (avg: 12%), current ratio N/A (avg: 1.2).