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

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Revenue YoY Change

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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

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Gross Profit

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Gross Profit Margin

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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

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Research & Development

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Depreciation, Depletion & Amortization

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SGA Expense to Gross Profit Ratio

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R&D To Gross Profit Ratio

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DDA To Gross Profit Ratio

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Operating Expenses Total

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Operating Profits/Loss

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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

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Interest Expenses To Operating Income %

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Other Expense/Income

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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

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Income Tax

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Net Profits/Loss

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Pretax Income YoY Change

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Income Tax Rate

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Net Profits/Loss YoY Change

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Basic EPS

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Net Income To Revenue Ratio

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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

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Cash & Equivalents

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Cash To Operating Expenses Ratio

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Inventory

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Receivables

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Total Short-Term Assets

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Property, Plant And Equipment

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Long-Term Investments

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Total Long-Term Assets

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Total Assets

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Net Income To Total Assets Percentage

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Accounts Payable

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Short-Term Debt

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Long Term Debt Due

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Total Short-Term Liabilities

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Long-Term Debt

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Other Long-Term Liabilities

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Total Long-Term Liabilities

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Total Liabilities

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Short-Term To Long-Term Debt Ratio

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Short-Term Assets To Debt Ratio

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Long-Term Debt To Net Income Ratio

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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

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Diluted Shares Outstanding

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Preferred Stock

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Treasury Stock Shares

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Stock Issuance & Repurchase

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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

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Book Value

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Free Cash Flow

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Free Cash Flow YoY

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Free Cash Flow Margin

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Dividends

Dividends

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Stock Price

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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