Pioneer Bancorp, Inc. PBFS NASDAQ

Pioneer Bancorp, Inc. (PBFS) reported total assets of $2.16B and total liabilities of $1.84B for quarter ending 2025-12-31, resulting in total equity of $323.86M.

The company held $354.11M in cash and short-term investments. Total debt stood at $54.42M, with net debt of $-79.25M. The Debt-to-Equity (D/E) ratio was 0.17 (conservative).

Current ratio is 0.77, which may signal tight short-term liquidity. Interest coverage is 0.7x (weak).

Criteria supported by this page:

• HEALTH (67/100, Partial) — some metrics are adequate but not all reach ideal thresholds
• MOAT (50/100) — Total assets $2.16B and equity $323.86M support the company's competitive scale
• VALUE (30/100) — Debt-to-Equity 0.17 contributes to the overall valuation risk assessment

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