Pioneer Bancorp (PBFS) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), Pioneer Bancorp had a P/E ratio of 16.22 (down from 16.55), return on equity of 6.5% (up from 5.4%), debt-to-equity of 0.19 (up from 0.08) and return on assets of 1.0% (up from 0.8%).

Pioneer Bancorp Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period ending	Dec 2025	Jun 2024	Jun 2023	Jun 2022	Jun 2021
Valuation Ratios
P/E Ratio	16.22	16.55	10.27	23.95	279.84
P/S Ratio	3.55	3.40	2.83	4.32	5.63
P/B Ratio	1.02	0.85	0.84	1.01	1.27
Price/Tangible Book	1.06	0.89	0.88	1.06	1.32
Price/FCF	37.38	10.97	8.73	5.01	9.40
Price/OCF	29.59	10.59	8.58	4.93	9.23
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	6.46%	5.42%	8.62%	4.28%	0.47%
Return on Assets (ROA)	0.98%	0.81%	1.15%	0.55%	0.07%
Leverage & Solvency Ratios
Debt/Equity	0.19	0.08	0.10	0.05	0.00
Debt/FCF	7.02	0.99	0.98	0.26	0.02
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	6.17%	6.04%	9.74%	4.18%	0.36%
FCF Yield	2.68%	9.11%	11.46%	19.98%	10.64%
Buyback Yield	2.35%	-0.21%	-0.15%	-0.25%	-0.22%

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Pioneer Bancorp Financial Ratios

What is Pioneer Bancorp's P/E ratio?

Pioneer Bancorp's P/E ratio was 16.22 for fiscal 2025 (period ended Dec 31, 2025). It was 16.55 a year earlier.

What is Pioneer Bancorp's return on equity?

Pioneer Bancorp's return on equity (ROE) was 6.5% for fiscal 2025 (period ended Dec 31, 2025). It was 5.4% a year earlier.

What is Pioneer Bancorp's debt-to-equity ratio?

Pioneer Bancorp's debt-to-equity ratio was 0.19 for fiscal 2025 (period ended Dec 31, 2025). It was 0.08 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition