Pioneer Bancorp Inc
Pioneer Bancorp, Inc. operates as a holding company for Pioneer Bank, National Association that provides various banking products and services in New York. It accepts various deposit accounts, such as demand, savings, and money market accounts, as well as certificates of deposit. The company's loan products include commercial real estate, commercial and industrial, commercial construction, reside… Read more
Pioneer Bancorp Inc (PBFS) - Total Assets
Latest total assets as of December 2025: $2.15 Billion USD
Based on the latest financial reports, Pioneer Bancorp Inc (PBFS) holds total assets worth $2.15 Billion USD as of December 2025.
Total assets represent everything the company owns and controls, combining both current assets—like cash and cash equivalents, accounts receivable, and inventories—and non-current assets such as property, plant, equipment (PP&E), intangible assets, and long-term investments.
Pioneer Bancorp Inc - Total Assets Trend (2017–2025)
This chart illustrates how Pioneer Bancorp Inc’s total assets have evolved over time, based on quarterly financial data. Explore and compare other companies by total assets.
Pioneer Bancorp Inc - Asset Composition Analysis
Current Asset Composition (June 2025)
Pioneer Bancorp Inc's total assets of $2.15 Billion consist of 19.9% current assets and 80.1% non-current assets.
| Asset Category | Amount (USD) | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 5.7% |
| Accounts Receivable | $8.70 Million | 0.4% |
| Inventory | $0.00 | 0.0% |
| Property, Plant & Equipment | $0.00 | 0.0% |
| Intangible Assets | $2.46 Million | 0.1% |
| Goodwill | $10.88 Million | 0.5% |
Asset Composition Trend (2017–2025)
This chart illustrates how Pioneer Bancorp Inc's asset composition has evolved over time. Understanding changes in asset allocation can provide insights into the company's strategic shifts, capital allocation priorities, and business focus evolution.
Key Asset Composition Facts
- Current vs. Non-Current Assets: Pioneer Bancorp Inc's current assets represent 19.9% of total assets in 2025, an increase from 11.0% in 2017.
- Cash Position: Cash and equivalents constituted 5.7% of total assets in 2025, up from 3.5% in 2017.
- Tangible vs. Intangible: Intangible assets (including goodwill) make up 0.0% of total assets, unchanged from 0.0% in 2017.
- Asset Diversification: The largest asset category is goodwill at 0.5% of total assets.
Pioneer Bancorp Inc Competitors by Total Assets
Key competitors of Pioneer Bancorp Inc based on total assets are shown below.
| Company | Country | Total Assets |
|---|---|---|
|
Ping An Bank Co Ltd
SHE:000001
|
China | CN¥5.77 Trillion |
|
Bank of Ningbo Co Ltd
SHE:002142
|
China | CN¥3.58 Trillion |
|
Bank of Zhengzhou Co Ltd Class A
SHE:002936
|
China | CN¥743.55 Billion |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958
|
China | CN¥509.92 Billion |
|
Bank of Suzhou
SHE:002966
|
China | CN¥776.04 Billion |
|
Jeju Bank
KO:006220
|
Korea | ₩7.72 Trillion |
|
Industrial Bank Of Korea
KO:024110
|
Korea | ₩490.11 Trillion |
|
Hana Financial
KO:086790
|
Korea | ₩659.08 Trillion |
Pioneer Bancorp Inc - Asset Efficiency Metrics
Asset efficiency metrics measure how effectively a company uses its assets to generate revenue and profits. These indicators help investors evaluate management's ability to deploy capital efficiently.
Asset Turnover Ratio
Measures how efficiently a company uses its assets to generate sales
Lower asset utilization - Pioneer Bancorp Inc generates 0.04x its asset value in annual revenue.
Return on Assets (ROA)
Measures how efficiently a company uses its assets to generate profits
Moderate ROA - For every $100 in assets, Pioneer Bancorp Inc generates $ 0.92 in net profit.
Pioneer Bancorp Inc - Liquidity and Working Capital Analysis
Liquidity ratios measure a company's ability to pay off its short-term debts as they come due, using the company's current or quick assets. Working capital represents the operational liquidity available.
Key Liquidity Metrics
| Metric | Current | 1 Year Ago | 5 Years Ago |
|---|---|---|---|
| Current Ratio | 1.10 | 0.29 | 0.25 |
| Quick Ratio | 1.10 | 0.29 | 0.25 |
| Cash Ratio | 0.00 | 0.00 | 0.00 |
| Working Capital | $197.89 Million | $ -1.19 Billion | $ -1.04 Billion |
Pioneer Bancorp Inc - Advanced Valuation Insights
This section examines the relationship between Pioneer Bancorp Inc's asset base and its market valuation, helping to identify whether the company's assets are efficiently translated into market value.
Key Valuation Metrics
| Current Price-to-Book Ratio | 1.16 |
| Latest Market Cap to Assets Ratio | 0.05 |
| Asset Growth Rate (YoY) | 10.6% |
| Total Assets | $2.10 Billion |
| Market Capitalization | $105.82 Million USD |
Valuation Analysis
Below Book Valuation: The market values Pioneer Bancorp Inc's assets below their book value (0.05 x), which may indicate investor concerns about asset quality or future growth.
Rapid Asset Growth: Pioneer Bancorp Inc's assets grew by 10.6% over the past year, indicating significant expansion of the company's resource base.
Annual Total Assets for Pioneer Bancorp Inc (2017–2025)
The table below shows the annual total assets of Pioneer Bancorp Inc from 2017 to 2025.
| Year | Total Assets | Change |
|---|---|---|
| 2025-06-30 | $2.10 Billion | +10.61% |
| 2024-06-30 | $1.90 Billion | +2.11% |
| 2023-06-30 | $1.86 Billion | -5.50% |
| 2022-06-30 | $1.96 Billion | +9.35% |
| 2021-06-30 | $1.80 Billion | +17.68% |
| 2020-06-30 | $1.53 Billion | +3.96% |
| 2019-06-30 | $1.47 Billion | +14.34% |
| 2018-06-30 | $1.28 Billion | +13.22% |
| 2017-06-30 | $1.13 Billion | -- |