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    Regional banks
Pioneer Bankcorp Inc.

Pioneer Bankcorp Inc.

OOTC:PBKC
85.21
USD
+2.21
(+2.67%)
94.90MMarket Cap
Pioneer Bankcorp Inc.
OTC:PBKC
(OTC Markets)

Recent

price

85.21

P/E

ratio

- -

div

yld

- -

ROIC.AI

2019
2020
2021
2022
2023
2024
2025
TTM
USD
14.62
17.44
17.99
20.73
24.06
26.94
31.73
- -
Revenue per Share
3.15
3.92
4.47
5.78
6.44
8
10.34
- -
Basic EPS, GAAP
4.43
4.4
5.49
7.56
4.7
7.64
9.53
- -
Free Cash Flow per Basic Share
0.5
0.55
0.65
0.84
0.96
1.2
1.31
- -
Dividend per Share
32.61
36.65
39.06
36.78
45.11
52.93
66.16
67.23
Book Value per Share
32.61
36.65
39.06
36.78
45.11
52.93
66.16
67.23
Tangible Book Value per Share
1
1
1
1
1
1
1
1
Basic Weighted Avg Shares
17
20
21
24
28
30
35
- -
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1
1
1
1
1
1
1
- -
Depreciation Expense
4
4
5
7
7
9
11
- -
Net Income, GAAP
23.81
22.65
23.14
22.87
23.58
23.59
23.7
- -
Effective Tax Rate (%)
21.57
22.5
24.83
27.88
26.79
29.7
32.58
- -
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
2
2
7
7
7
7
7
- -
LT Debt
38
42
45
43
52
60
73
76
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
10.74
10.77
13.34
13.78
14.5
15.63
- -
Return on Capital (%)
- -
11.19
11.78
15.35
15.68
16.19
17.16
- -
Return on Common Equity (%)

Capital Structure

USD

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1
1
1
Market Capitalization
77
86
95

Working Capital

USD

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
68
- -
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

USD

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
12.14%
21.89%
Free Cash Flow
- -
21.48%
21.59%
Net Income, GAAP
- -
20.68%
25.99%
Sales/Revenue/Turnover
- -
11.96%
14.86%
Total Cash Common Dividend
- -
18.34%
6.82%

Quarterly Revenue

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
7
8
8
8
30
2025
8
9
- -
9
35
2026
9
10
- -
- -
- -

Quarterly Earnings Per Share

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.66
1.99
2.24
2.07
8
2025
2.17
2.64
- -
2.68
10.34
2026
2.64
2.68
- -
- -
- -

Quarterly Dividends Per Share

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
1.2
2025
- -
- -
- -
- -
1.31
2026
- -
- -
- -
- -
- -
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Business
Pioneer Bankcorp, Inc. (OTC: PBKC) is the bank holding company for First Bank, a community bank providing commercial and retail banking products and services to residents and businesses in southwest Florida. First Bank offers checking and savings accounts, money market accounts, certificates of deposit, and individual retirement accounts; home mortgage loans, home equity lines of credit, auto loans, term loans, commercial real estate loans, equipment loans, and agriculture loans; credit cards; and account services including digital banking, debit cards, identity theft protection, merchant card processing, remote deposit capture, automated clearing house, and sweep services, as well as financial planning and brokerage service products. The bank operates seven locations across Hendry, Glades, Lee, Collier, and Palm Beach Counties and maintains a focus on agricultural lending and community-oriented financial solutions. Founded in 1922 and headquartered in Clewiston, Florida, the company continues to emphasize shareholder returns through regular dividends, with recent ex-dividend dates in November 2025 and earlier in 2025, alongside stable operations reflected in ongoing earnings announcements into 2022, though no major acquisitions, partnerships, or strategic shifts have been publicly reported in the last one to two years.