Pioneer Bancorp, Inc. is classed by the SEC under Savings Institutions, Not Federally Chartered (industry code 6036), based in Albany, NY. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $16 million and a profit of $20 million (its filed statements).
Lending businessSavings Institutions, Not Federally CharteredAlbany, NYfilings since 20199 of 9 filed
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6036, Savings Institutions, Not Federally Chartered); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 4.6 out of ten, 9 of 9 metrics filed: past 2.6 out of ten, present 5.7 out of ten, future 6.2 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 1.5 out of ten. 6 warning events since 2019; the latest 2021-02-16. 15th percentile among 23 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 3.2 out of ten. +12.1% a year over 8 filed years; profitable in 8 of 8. 32nd percentile among 19 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 3.8 out of ten. Share count shrank 0.6% a year. 20% of cash flow returned. Insiders: 22 sales, 0 purchases. 38th percentile among 20 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Financial health (present): 6.5 out of ten. ROE 6%: 6¢ of profit per shareholder dollar. Leverage 85%: owes 85¢ per asset dollar. 65th percentile among 23 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 6.9 out of ten. top 31% of 22 in its family; net margin 18.5%. 69th percentile among 22 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 2.3 out of ten. bottom 23% of 15 in its family for leadership. 23rd percentile among 15 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
Room to expand (future): 5.6 out of ten. top 44% of 19 in its family for room to expand. 56th percentile among 19 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Growth drivers (future): 8.3 out of ten. top 17% of 19 in its family for growth drivers. 83rd percentile among 19 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 4.8 out of ten. bottom 48% of 17 in its family for expectations against reality. 48th percentile among 17 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-03-12 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-10 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-30 (on EDGAR). Newest filing: Form 4, 2026-08-19. Filings on record since 2019. Read from EDGAR 2026-10-12.
Who runs it
Ratsep, Thomas E. (EVP - Chief Credit Officer); Hollister, Susan M (EVP and CHRO); Signor, Thomas (EVP and CAO); Tomczak, Jesse (EVP and CBO); Keegan, Michael T. (director). 5 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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