Baycom vs Pioneer Bancorp
Baycom and Pioneer Bancorp are similar in size: $101m and $96.3m of revenue in their latest fiscal years. Pioneer Bancorp grew faster (16.2% against 3.1%). Baycom kept more of each dollar of sales as profit: a net margin of 23.8% against 21.1%.
| Latest fiscal year | BaycomBCML, 2025 | Pioneer BancorpPBFS, 2025 |
|---|---|---|
| Revenue | $101m | $96.3m |
| Revenue growth | 3.1% | 16.2% |
| Net income | $23.9m | $20.3m |
| Operating margin | — | — |
| Net margin | 23.8% | 21.1% |
| Return on equity | 7.2% | 6.5% |
| Free cash flow | $30.1m | $11.1m |
| Cash | $207m | $134m |
| Total debt | $0 | $0 |
| Debt to equity | — | — |
| Dividend per share | $0.90 | — |
| Dividend yield | 3.4% | — |
| Share buybacks | $6.9m | $11.3m |
| Employees | 327 | 257 |
| Market value | $339m | $453m |
| Price vs our value range | — | — |
| Moat score | 63 (Moderate) | 44 (Weak) |
| Insider trades, 12 months | 0 buys, 0 sales | 0 buys, 22 sales |