Pioneer Bancorp, Inc. PBFS NASDAQ

Pioneer Bancorp, Inc. (PBFS) generated $33.71M in operating cash flow for fiscal year 2025. After capital expenditures of $1.51M, free cash flow was $32.2M.

Free cash flow margin was 32.6% of revenue. Cash conversion ratio was 1.76x, indicating earnings are backed by cash.

The company returned $6.29M in share buybacks to shareholders during the period.

Criteria supported by this page:

• HEALTH (67/100, Partial) — cash generation is adequate but may not fully cover debt in stressed conditions
• MOAT (50/100, Partial) — cash flow generation is present but not at levels indicating a wide moat
• INCOME (85/100) — Cash conversion ratio was 1.76x confirms earnings are backed by real cash flow

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