Pioneer Bancorp (PBFS) Gross Margin (2021 - 2026)
Pioneer Bancorp (PBFS) posted Gross Margin of 93.75% for Q1 2026, down 3.5% sequentially from 97.15% in Q4 2025, and up 454.0% YoY from 16.92% in Q1 2025.
Pioneer Bancorp (PBFS) Gross Margin (2021 - 2026) Analysis & Trends
Pioneer Bancorp has reported Gross Margin for 6 years, with the latest figure at 93.75% in Q1 2026.
- Quarterly Gross Margin rose 454.0% year-over-year to 93.75% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 94.24% (up 219.0% YoY) and the FY2025 annual result came in at 93.72%, up 381.0% from the prior year.
- Gross Margin fell to 93.75% in Q1 2026 per PBFS's latest filing, from 97.15% in the prior quarter.
- Over five years, Gross Margin peaked at 107.43% in Q2 2022 and troughed at 88.65% in Q1 2022.
- A 5-year average of 93.14% and a median of 93.0% in 2023 frame the typical range for Gross Margin.
- The sharpest annual moves came in 2025 and 2026: Gross Margin tumbled 488 bps in 2025, then jumped 454 bps in 2026.
- Over 5 years, Gross Margin stood at 93.69% in 2022, then fell by 2 bps to 91.8% in 2023, then rose by 2 bps to 93.74% in 2024, then grew by 4 bps to 97.15% in 2025, then declined by 4 bps to 93.75% in 2026.
- According to Business Quant data, Gross Margin over the past three periods registered 93.75%, 97.15%, and 88.85% for Q1 2026, Q4 2025, and Q3 2025 respectively.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Gross Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 119.58 Bn | 83.39 Bn | - | - |
| 2 | Pnc Financial Services | 97.75 Bn | 97.75 Bn | - | - |
| 3 | Us Bancorp | 96.33 Bn | 96.33 Bn | - | - |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 73.86 Bn | -145.23 Bn | - | - |
| 6 | Deutsche Bank Aktiengesellschaft | 71.72 Bn | -81.60 Bn | - | - |
| 7 | Nu Holdings | 68.51 Bn | 54.82 Bn | 2.35 Bn | 42.56% |
| 8 | Truist Financial | 61.69 Bn | 61.69 Bn | - | - |
| 9 | Fifth Third Bancorp | 49.73 Bn | 26.00 Bn | - | - |
| 10 | Pioneer Bancorp | 414.55 Mn | 414.55 Mn | 3.96 Mn | 92.92% |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 92.92% |
| Mar 31, 2026 | 93.75% |
| Dec 31, 2025 | 97.15% |
| Sep 30, 2025 | 88.85% |
| Mar 31, 2025 | 89.21% |
| Sep 30, 2024 | 93.74% |
| Jun 30, 2024 | 90.21% |
| Mar 31, 2024 | 90.38% |
| Dec 31, 2023 | 91.80% |
| Sep 30, 2023 | 93.13% |
| Mar 31, 2023 | 93.04% |
| Dec 31, 2022 | 93.69% |
| Sep 30, 2022 | 92.96% |
| Jun 30, 2022 | 107.43% |
| Mar 31, 2022 | 88.65% |
| Dec 31, 2021 | 94.31% |
| Sep 30, 2021 | 93.62% |