Financial Snapshot

Revenue
$11.64M
TTM
Gross Margin
94.01%
TTM
Net Earnings
$18.15M
TTM
Current Assets
Current Liabilities
Current Ratio
Total Assets
Q3 2024
Total Liabilities
Q3 2024
Book Value
$303.8M
Q3 2024
Cash
Q3 2024
P/E
16.84
Nov 29, 2024 EST
Free Cash Flow
$12.73M
TTM

Revenues

Revenues

Revenue YoY Change

Revenues

Concept 2024 2023 2022 2021 2020 2019 2018 2017
Revenue $14.95M $12.98M $13.23M $12.77M
YoY Change 15.23% -1.91% 3.62%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept 2024 2023 2022 2021 2020 2019 2018 2017
Revenue $14.95M $12.98M $13.23M $12.77M
Cost Of Revenue $913.0K $908.0K $819.0K $425.0K
Gross Profit $14.04M $12.07M $12.41M $12.34M
Gross Profit Margin 93.89% 93.0% 93.81% 96.67%

Selling, General & Admin Expense

No data

Research & Development

No data

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

No data

R&D To Gross Profit Ratio

No data

DDA To Gross Profit Ratio

Operating Expenses Total

No data

Operating Profits/Loss

No data

Operational Expenses

Concept 2024 2023 2022 2021 2020 2019 2018 2017
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $2.100M $2.300M $2.400M $2.860M $2.910M $2.810M $2.640M $1.960M
YoY Change -8.7% -4.17% -16.08% -1.72% 3.56% 6.44% 34.69%
% of Gross Profit 14.96% 19.06% 19.34% 23.17%
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

No data

Other Expense/Income

No data

Interest & Other Expense/Income

Concept 2024 2023 2022 2021 2020 2019 2018 2017
Interest Expense $21.80M $5.492M $1.464M $2.110M
YoY Change 297.0% 275.14% -30.62%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept 2024 2023 2022 2021 2020 2019 2018 2017
Pretax Income $19.41M $27.86M $13.34M $2.660M $6.000M $8.050M $17.81M $8.350M
YoY Change -30.32% 108.84% 401.43% -55.67% -25.47% -54.8% 113.29%
Income Tax $4.149M $5.907M $3.059M $1.580M $800.0K $1.320M $5.110M $2.720M
% Of Pretax Income 21.38% 21.21% 22.93% 59.4% 13.33% 16.4% 28.69% 32.57%
Net Earnings $15.26M $21.95M $10.28M $1.080M $5.200M $7.310M $11.50M $5.630M
YoY Change -30.47% 113.52% 851.76% -79.23% -28.86% -36.43% 104.26%
Net Earnings / Revenue 102.05% 169.13% 77.69% 8.46%
Basic Earnings Per Share $0.61 $0.87 $0.41 $0.04
Diluted Earnings Per Share $0.61 $0.87 $0.41 $43.08K $207.9K $281.4K $442.6K $216.7K

Assets & Liabilities

Cash & Short-Term Investments

No data

Cash & Equivalents

Cash To Operating Expenses Ratio

No data

Inventory

No data

Receivables

No data

Total Short-Term Assets

No data

Property, Plant And Equipment

Long-Term Investments

No data

Total Long-Term Assets

No data

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

No data

Long Term Debt Due

No data

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

No data

Short-Term Assets To Debt Ratio

No data

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept 2024 2023 2022 2021 2020 2019 2018 2017
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $40.11M $41.60M $37.31M $38.90M $40.90M $41.70M $42.90M $37.40M
YoY Change -3.59% 11.49% -4.08% -4.89% -1.92% -2.8% 14.71%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
Total Assets $1.895B $1.856B $1.964B $1.796B $1.526B $1.468B $1.284B $1.134B
YoY Change
Accounts Payable $7.800M
YoY Change
Accrued Expenses $5.505M $5.700M
YoY Change -3.42%
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $5.505M $5.700M $7.800M
YoY Change -3.42%
Long-Term Debt $634.0K $700.0K $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change -9.43%
Other Long-Term Liabilities $32.78M $33.30M $35.73M $21.70M $18.50M $7.700M $10.40M $10.20M
YoY Change -1.55% -6.81% 64.67% 17.3% 140.26% -25.96% 1.96%
Total Long-Term Liabilities $33.42M $34.00M $35.73M $21.70M $18.50M $7.700M $10.40M $10.20M
YoY Change -1.71% -4.85% 64.67% 17.3% 140.26% -25.96% 1.96%
Total Liabilities $1.599B $1.590B $1.722B $1.558B $1.302B $1.345B $1.166B $1.030B
YoY Change 0.59% -7.67% 10.47% 19.66% -3.17% 15.34% 13.2%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

No data

Treasury Stock Shares

No data

Stock Issuance & Repurchase

Ownership Data

Concept 2024 2023 2022 2021 2020 2019 2018 2017
Basic Shares Outstanding 25.19M 25.17M 25.13M 25.07M
Diluted Shares Outstanding 25.22M 25.17M 25.13M 25.07M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Dividends

No data

Stock Price

Market Cap: $305.71 Million

About Pioneer Bancorp, Inc./MD

Pioneer Bancorp, Inc. is a two-tier mutual holding company for Pioneer Bank, which engages in lending activity originating commercial real estate loans, commercial and industrial loans, commercial construction loans and home equity loans, and lines of credit. The company is headquartered in Albany, New York and currently employs 253 full-time employees. The company went IPO on 2019-07-18. The firm provides diversified financial services through the Bank and its subsidiaries, with approximately 22 offices in the Capital Region of New York State, and offers an array of deposit, lending, and other financial services to individuals, businesses, and municipalities. Its principal lending activity has been originating commercial real estate loans, commercial and industrial loans, commercial construction loans and home equity loans and lines of credit. Its primary market area encompasses Albany, Greene, Rensselaer, Saratoga, Schenectady and Warren Counties, where its offices are located, and their contiguous counties, which are located in the Capital Region and include the cities of Albany, the capital of New York, Schenectady and Troy. The Bank’s wholly owned subsidiaries are Pioneer Insurance Agency, Inc. and Pioneer Financial Services, Inc.

Industry: Savings Institutions, Not Federally Chartered Peers: Blue Foundry Bancorp FS Bancorp, Inc. HOME BANCORP, INC. Home Point Capital Inc. ONITY GROUP INC. Ponce Financial Group, Inc. Provident Bancorp, Inc. /MD/ Rocket Companies, Inc. Sterling Bancorp, Inc. TIMBERLAND BANCORP INC