Pioneer Bancorp, Inc. PBFS NASDAQ

Pioneer Bancorp, Inc. (PBFS) reported total assets of $2.1B and total liabilities of $1.78B for fiscal year 2025, resulting in total equity of $314.25M.

The company held $407.61M in cash and short-term investments. Total debt stood at $0.00, with net debt of $-119.39M. The Debt-to-Equity (D/E) ratio was 0 (conservative).

Current ratio is 0.24, which may signal tight short-term liquidity.

Criteria supported by this page:

• HEALTH (67/100, Partial) — some metrics are adequate but not all reach ideal thresholds
• MOAT (50/100) — Total assets $2.1B and equity $314.25M support the company's competitive scale
• VALUE (30/100) — Debt-to-Equity 0 contributes to the overall valuation risk assessment

Overall SharesGrow Score: 68/100 with 3/7 criteria passed.

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