First Bancorp vs Pioneer Bancorp
First Bancorp and Pioneer Bancorp are similar in size: $94.7m and $96.3m of revenue in their latest fiscal years. First Bancorp grew faster (18.0% against 16.2%). First Bancorp kept more of each dollar of sales as profit: a net margin of 36.3% against 21.1%.
| Latest fiscal year | First BancorpFNLC, 2025 | Pioneer BancorpPBFS, 2025 |
|---|---|---|
| Revenue | $94.7m | $96.3m |
| Revenue growth | 18.0% | 16.2% |
| Net income | $34.4m | $20.3m |
| Operating margin | — | — |
| Net margin | 36.3% | 21.1% |
| Return on equity | 12.8% | 6.5% |
| Free cash flow | $34.6m | $11.1m |
| Cash | $27.8m | $134m |
| Total debt | $188m | $0 |
| Debt to equity | — | — |
| Dividend per share | $1.47 | — |
| Dividend yield | 4.0% | — |
| Share buybacks | $282,000 | $11.3m |
| Employees | 283 | 257 |
| Market value | $410m | $453m |
| Price vs our value range | — | — |
| Moat score | 79 (Strong) | 44 (Weak) |
| Insider trades, 12 months | 0 buys, 0 sales | 0 buys, 22 sales |