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Pioneer Bancorp, Inc. key statistics and ratios

In fiscal 2025, Pioneer Bancorp, Inc. had return on equity of 6.5% and a net margin of 21.1%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2018Jun 20182019Jun 20192020Jun 20202021Jun 20212022Jun 20222023Jun 20232024Jun 20242025Dec 2025LTMJun 2026
Net margin20.5%11.4%8.1%1.9%18.2%27.5%18.4%21.1%16.5%
Return on equity9.7%6.1%3.0%0.5%4.3%8.6%5.4%6.5%5.2%
Return on assets0.9%0.5%0.3%0.1%0.5%1.1%0.8%1.0%0.7%
Effective tax rate35.4%9.2%13.3%59.5%22.9%21.2%21.4%23.4%21.4%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

44 /100

Weak moat

How hard Pioneer Bancorp's competitive advantage looks for rivals to wear away, judged from 8 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 5 / 20

    Net income has been a median 0.6% of total assets over 8 years.

  • Durability 7 / 20

    Net margin has been a median 17.4%; its worst year was 1.9%.

  • Discipline 18 / 20

    The diluted share count fell 2.7% over five years; stock-based pay has been a median 1.4% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (49 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

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More: Regional Banks stocks compared, Financials sector, rankings of US companies

Figures from Pioneer Bancorp, Inc.'s SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Pioneer Bancorp, Inc.