Basis: Trailing twelve months (TTM net income over TTM revenue). Source: stored company filings and market data; unavailable inputs remain N/A.
Is the net profit margin high or low?
The net profit margin of 12.49% is 23% below its 5-year average of 16.25%, around the middle of its 5-year range (-25.20%–42.28%).
16.99% below its 12-month average of 15.05%.
Reported quarterly profit margin; no daily interpolation. Q3 FY2026 (2026-03-31): 16.41%.
NET PROFIT MARGIN
12.49%
NET PROFIT MARGIN AVG TTM
15.05%
NET PROFIT MARGIN AVG 3Y
16.65%
NET PROFIT MARGIN AVG 5Y
16.25%
NET PROFIT MARGIN AVG 10Y
N/A
NET PROFIT MARGIN AVG 15Y
N/A
NET PROFIT MARGIN AVG 20Y
N/A
CURRENT VS TTM AVG
-16.99%
CURRENT VS 3Y AVG
-24.98%
CURRENT VS 5Y AVG
-23.16%
CURRENT VS 10Y AVG
N/A
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
SECTOR MEDIAN · FINANCIAL SERVICES
13.21%
median of 716 covered companies
CURRENT VS SECTOR MEDIAN
-5.41%
vs the sector median at left
Pioneer Bancorp, Inc.
Market Cap
$440.85M
Net Profit Margin
12.49%
TTM Avg
15.05%
3Y Avg
16.65%
5Y Avg
16.25%
Market Cap
$440.49M
Net Profit Margin
14.00%
TTM Avg
16.39%
3Y Avg
17.98%
5Y Avg
19.70%
Market Cap
$437.94M
Net Profit Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
Market Cap
$444.16M
Net Profit Margin
32.28%
TTM Avg
8.66%
3Y Avg
16.12%
5Y Avg
20.08%
Market Cap
$436.15M
Net Profit Margin
149.41%
TTM Avg
118.03%
3Y Avg
1320.73%
5Y Avg
907.01%
Market Cap
$435.13M
Net Profit Margin
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$432.97M
Net Profit Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
| NAME | MARKET CAP | NET PROFIT MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Pioneer Bancorp, Inc. (PBFS) | $440.85M | 12.49% | 15.05% | 16.65% | 16.25% |
| AMERISAFE, Inc. (AMSF)vs › | $440.49M | 14.00% | 16.39% | 17.98% | 19.70% |
| RBB Bancorp (RBB)vs › | $442.87M | 17.26% | 12.46% | 19.12% | 22.05% |
| Idea Acquisition Corp. Class A Ordinary Shares (IACO)vs › | $437.94M | 0.00% | 0.00% | 0.00% | 0.00% |
| Bank of Marin Bancorp (BMRC)vs › | $444.16M | 32.28% | 8.66% | 16.12% | 20.08% |
| PIMCO California Municipal Income Fund (PCQ)vs › | $436.15M | 149.41% | 118.03% | 1320.73% | 907.01% |
| First Bank (FRBA)vs › | $446.23M | 17.31% | 18.05% | 20.11% | 22.77% |
| Meshflow Acquisition Corp. (MESH)vs › | $435.13M | N/A | N/A | N/A | N/A |
| KRAKacquisition Corp Class A Ordinary Shares (KRAQ)vs › | $432.97M | 0.00% | 0.00% | 0.00% | 0.00% |
| Churchill Capital Corp. Xii (CXII)vs › | $448.81M | N/A | N/A | N/A | N/A |
Operating Margin
15.9%
Net Profit Margin
12.5%
Net Profit Margin = Net Income / Revenue
Net profit margin is the percentage of revenue that becomes net income after all expenses, taxes, and interest.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | NET PROFIT MARGIN |
|---|---|
| 2026-03-31 | 16.41% |
| 2025-12-31 | 9.33% |
| 2025-12-31 | 11.28% |
| 2025-09-30 | 13.49% |
| 2025-06-30 | 20.28% |
| 2025-03-31 | 19.49% |
| 2024-12-31 | 11.30% |
| 2024-09-30 | 22.14% |
| 2024-06-30 | 14.42% |
| 2024-03-31 | 17.25% |
| 2023-12-31 | 15.67% |
| 2023-09-30 | 14.41% |
| 2023-06-30 | 20.27% |
| 2023-03-31 | 27.35% |
| 2022-12-31 | 28.20% |
| 2022-09-30 | 27.55% |
| 2022-06-30 | 15.30% |
| 2022-03-31 | 2.18% |
| 2021-12-31 | 42.28% |
| 2021-09-30 | 9.82% |
| 2021-06-30 | -25.20% |
| 2021-03-31 | 8.93% |
| 2020-12-31 | 11.87% |
| 2020-09-30 | 9.55% |
| 2020-06-30 | 9.57% |
| 2020-03-31 | 5.32% |
| 2019-12-31 | 19.90% |
| 2019-09-30 | -5.27% |
| 2019-06-30 | 27.60% |
| 2019-03-31 | 27.20% |
| 2018-12-31 | 29.26% |
| 2018-09-30 | 26.93% |
| 2018-06-30 | 25.72% |
| 2018-03-31 | 22.88% |
| 2017-12-31 | 15.27% |
| 2017-09-30 | 15.27% |
