NASDAQ : PBFS
Pioneer Bancorp, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 18.12 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 438.60M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 104.43M | 91.64M | 79.89M | 72.38M | 55.23M | 39.56M |
| Interest Income on Investments | 17.89M | 17.89M | 15.61M | 15.94M | 15.80M | 4.29M |
| Total Interest Income | 122.32M | 109.53M | 95.50M | 88.32M | 71.03M | 43.84M |
| Interest Paid on Deposits | 32.60M | 28.14M | 24.60M | 20.67M | 4.62M | 1.37M |
| Interest Paid on Borrowings | 2.25M | 2.25M | 903.00K | 1.13M | 872.00K | 97.00K |
| Total Interest Expense | 34.85M | 30.38M | 25.51M | 21.80M | 5.49M | 1.46M |
| Net Interest Income | 87.47M | 79.15M | 70.00M | 66.51M | 65.54M | 42.38M |
| Gain (Loss) on Sale of Assets | 275.00K | |||||
| Gain (Loss) on Sale of Investments | 551.00K | -4.91M | 374.00K | 1.00K | ||
| Other Non-Interest Income | 19.63M | 17.14M | 16.18M | 15.29M | 13.77M | 13.80M |
| Total Non-Interest Income | 19.63M | 17.14M | 16.73M | 10.38M | 14.15M | 14.07M |
| Revenues Before Loan Losses | 107.09M | 96.29M | 86.73M | 76.89M | 79.69M | 56.45M |
| Provision for Loan Losses | 4.01M | 3.69M | 1.05M | 2.70M | -550.00K | |
| Revenue | 103.08M | 92.59M | 85.68M | 74.19M | 79.69M | 57.00M |
| Salaries and Employee Benefits | 32.06M | 32.06M | 29.64M | 28.60M | 26.91M | 25.27M |
| Occupancy Expenses | 6.38M | 6.38M | 8.20M | 6.57M | 6.42M | 6.17M |
| Federal Deposit Insurance | 914.00K | 914.00K | 1.03M | 1.09M | 857.00K | 765.00K |
| Selling, General & Administrative | 16.64M | 16.64M | 15.93M | 17.87M | 11.46M | 9.78M |
| Other Non-Interest Expense | 29.22M | 8.12M | 7.38M | 6.61M | 6.18M | 5.51M |
| Total Non-Interest Expense | 85.20M | 64.10M | 62.18M | 60.73M | 51.83M | 47.49M |
| EBT Excluding Unusual Items | 17.88M | 28.49M | 23.50M | 13.46M | 27.86M | 9.51M |
| Legal Settlements | 5.95M | -1.20M | ||||
| Other Unusual Items | 5.03M | |||||
| Pretax Income | 15.88M | 26.49M | 23.50M | 19.41M | 27.86M | 13.34M |
| Income Tax Expense | 3.28M | 6.20M | 5.25M | 4.15M | 5.91M | 3.06M |
| Net Income | 12.60M | 20.29M | 18.25M | 15.26M | 21.95M | 10.28M |
| Net Income to Common | 12.60M | 20.29M | 18.25M | 15.26M | 21.95M | 10.28M |
| Basic Shares Outstanding | 24.07M | 24.47M | 25.11M | 25.19M | 25.17M | 25.13M |
| Diluted Shares Outstanding | 24.36M | 24.57M | 25.16M | 25.22M | 25.17M | 25.13M |
| EPS (Basic) | 0.52 | 0.83 | 0.73 | 0.61 | 0.87 | 0.41 |
| EPS (Diluted) | 0.52 | 0.83 | 0.73 | 0.61 | 0.87 | 0.41 |
| Effective Tax Rate | 20.66% | 23.41% | 22.34% | 21.38% | 21.21% | 22.93% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 133.68M | 96.52M | 165.19M | 150.48M | 376.06M | |
| Investment Securities | 115.79M | 259.93M | 282.50M | 458.03M | 507.78M | |
| Trading Asset Securities | 867.00K | 161.00K | 684.00K | 217.00K | ||
| Mortgage-Backed Securities | 146.16M | 87.01M | ||||
| Total Investments | 262.82M | 346.94M | 282.66M | 458.71M | 508.00M | |
| Gross Loans | 1.67B | 1.46B | 1.37B | 1.17B | 1.01B | |
| Allowance for Loan Losses | -25.30M | -21.75M | -21.80M | -22.47M | -22.52M | |
| Net Loans | 1.65B | 1.43B | 1.34B | 1.14B | 982.57M | |
| Property, Plant & Equipment | 35.58M | 35.48M | 40.10M | 41.62M | 38.02M | |
| Goodwill | 9.60M | 10.88M | 10.88M | 8.80M | 8.80M | |
| Other Intangible Assets | 2.71M | 2.71M | 2.95M | 2.10M | 2.49M | |
| Accrued Interest Receivable | 8.89M | 7.94M | 7.56M | 7.19M | 4.62M | |
| Long-Term Deferred Tax Assets | 272.00K | 5.22M | 6.64M | |||
| Other Long-Term Assets | 45.07M | 39.41M | 38.17M | 36.71M | 35.94M | |
| Total Assets | 2.15B | 1.98B | 1.90B | 1.86B | 1.96B | |
| Interest Bearing Deposits | 1.26B | 1.11B | 1.09B | 1.01B | 1.07B | |
| Institutional Deposits | 27.38M | 19.10M | 16.50M | 9.90M | 18.60M | |
| Non-Interest Bearing Deposits | 456.11M | 454.30M | 445.33M | 526.12M | 593.46M | |
| Total Deposits | 1.74B | 1.59B | 1.55B | 1.54B | 1.68B | |
| Short-Term Borrowings | 57.35M | 53.73M | 16.77M | 18.83M | 12.81M | |
| Current Portion of Leases | 605.00K | 6.14M | 6.42M | |||
| Long-Term Leases | 3.82M | 5.24M | ||||
| Pension & Post-Retirement Benefits | 1.06M | 1.18M | 1.35M | 1.38M | 1.54M | |
| Other Long-Term Liabilities | 24.82M | 28.85M | 24.37M | 21.01M | 26.96M | |
| Total Liabilities | 1.83B | 1.68B | 1.60B | 1.59B | 1.72B | |
| Common Stock | 251.00K | 260.00K | 263.00K | 260.00K | 260.00K | |
| Additional Paid-In Capital | 115.40M | 114.11M | 113.48M | 113.54M | 113.71M | |
| Retained Earnings | 203.04M | 194.19M | 187.73M | 173.04M | 151.09M | |
| Comprehensive Income & Other | 5.17M | -4.01M | -4.95M | -20.14M | -22.44M | |
| Shareholders' Equity | 328.34M | 323.86M | 304.55M | 296.53M | 266.70M | 242.63M |
| Total Liabilities & Equity | 2.15B | 1.98B | 1.90B | 1.86B | 1.96B | |
| Total Debt | 8.45M | 61.77M | 58.97M | 22.90M | 25.25M | 12.81M |
| Net Cash (Debt) | 108.47M | 72.77M | 37.55M | 142.45M | 125.91M | 363.46M |
| Net Cash Per Share | 4.45 | 2.96 | 1.49 | 5.65 | 5.00 | 14.46 |
| Filing Date Shares Outstanding | 23.96M | 24.41M | 25.14M | 25.44M | 25.19M | 25.15M |
| Total Common Shares Outstanding | 23.96M | 24.41M | 25.27M | 25.52M | 25.19M | 25.15M |
| Book Value Per Share | 13.56 | 13.27 | 12.05 | 11.62 | 10.59 | 9.65 |
| Tangible Book Value | 289.52M | 311.55M | 290.97M | 282.70M | 255.81M | 231.33M |
| Tangible Book Value Per Share | 11.96 | 12.76 | 11.52 | 11.08 | 10.16 | 9.20 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Net Income | 20.29M | 18.25M | 15.26M | 21.95M | 10.28M | |
| Depreciation & Amortization | 1.90M | 2.53M | 2.60M | 2.70M | 2.74M | |
| Gain (Loss) on Sale of Assets | -61.00K | 1.40M | 233.00K | -275.00K | ||
| Gain (Loss) on Sale of Investments | -4.79M | -2.94M | 3.05M | -321.00K | 1.68M | |
| Total Asset Writedown | 2.00M | |||||
| Provision for Credit Losses | 3.69M | 1.05M | 2.70M | -550.00K | ||
| Net Decrease (Increase) in Loans Originated / Sold - Operating | 2.69M | 3.02M | 92.00K | 100.00K | 108.00K | |
| Accrued Interest Receivable | -952.00K | -259.00K | -365.00K | -2.57M | -577.00K | |
| Change in Other Net Operating Assets | -12.75M | 4.42M | -476.00K | 3.35M | 35.23M | |
| Other Operating Activities | -2.74M | 392.00K | 125.00K | 555.00K | 755.00K | |
| Operating Cash Flow | 11.12M | 29.20M | 23.85M | 26.27M | 49.97M | |
| Capital Expenditures | -2.32M | -1.06M | -838.00K | -451.00K | -780.00K | |
| Sale of Property, Plant and Equipment | 2.25M | 1.19M | ||||
| Cash Acquisitions | -480.00K | -1.98M | -1.66M | |||
| Investment in Securities | 94.57M | 4.89M | 187.07M | 46.24M | -246.04M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -218.56M | -174.50M | -200.06M | -161.70M | 99.13M | |
| Other Investing Activities | 335.00K | -4.04M | -2.35M | 1.04M | 124.00K | |
| Investing Cash Flow | -125.79M | -172.15M | -18.05M | -114.87M | -148.03M | |
| Long-Term Debt Issued | 10.00M | |||||
| Total Debt Issued | 10.00M | 40.00M | ||||
| Long-Term Debt Repaid | -88.00K | -102.00K | -114.00K | |||
| Total Debt Repaid | -88.00K | -105.00K | -102.00K | -114.00K | ||
| Net Debt Issued (Repaid) | 9.91M | 39.90M | -102.00K | -114.00K | ||
| Issuance of Common Stock | 76.00K | |||||
| Repurchase of Common Stock | -11.44M | -4.22M | -1.07M | |||
| Net Increase (Decrease) in Deposit Accounts | 154.03M | 64.92M | 10.21M | -136.13M | 149.16M | |
| Other Financing Activities | -750.00K | -750.00K | -124.00K | -734.00K | ||
| Financing Cash Flow | 151.83M | 99.84M | 8.91M | -136.98M | 149.16M | |
| Net Cash Flow | 37.15M | -43.11M | 14.71M | -225.58M | 51.10M | |
| Free Cash Flow | 8.80M | 28.14M | 23.01M | 25.82M | 49.19M | |
| Free Cash Flow Margin | 9.50% | 32.85% | 31.01% | 32.40% | 86.29% | |
| Free Cash Flow Per Share | 0.36 | 1.12 | 0.91 | 1.03 | 1.96 | |
| Cash Interest Paid | 30.02M | 19.20M | 21.75M | 5.43M | 1.46M | |
| Cash Income Tax Paid | 9.25M | 2.70M | 5.00M | 4.80M | 1.50M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 436.42M | 328.99M | 290.86M | 252.52M | 225.32M | 246.22M |
| Last Close Price | 18.03 | 13.48 | 11.52 | 10.01 | 8.95 | 9.80 |
| PE Ratio | 34.70 | 16.22 | 15.94 | 16.55 | 10.27 | 23.95 |
| PS Ratio | 4.23 | 3.55 | 3.40 | 3.40 | 2.83 | 4.32 |
| PB Ratio | 1.33 | 1.02 | 0.95 | 0.85 | 0.84 | 1.01 |
| P/FCF Ratio | 19.33 | 37.38 | 10.34 | 10.97 | 8.73 | 5.01 |
| P/OCF Ratio | 18.13 | 29.59 | 9.96 | 10.59 | 8.58 | 4.93 |
| Debt / Equity Ratio | 0.03 | 0.19 | 0.19 | 0.08 | 0.10 | 0.05 |
| Debt / FCF Ratio | 7.02 | 2.10 | 0.99 | 0.98 | 0.26 | |
| Net Debt / Equity Ratio | -0.33 | -0.23 | -0.12 | -0.48 | -0.47 | -1.50 |
| Net Debt / FCF Ratio | -8.27 | -1.33 | -6.19 | -4.88 | -7.39 | |
| Return on Equity (ROE) | 6.46% | 5.42% | 8.62% | 4.28% | ||
| Return on Assets (ROA) | 0.98% | 0.81% | 1.15% | 0.55% | ||
| Earnings Yield | 2.88% | 6.17% | 6.27% | 6.04% | 9.74% | 4.17% |
| FCF Yield | 5.17% | 2.67% | 9.68% | 9.11% | 11.46% | 19.98% |
| Buyback Yield / Dilution | 1.03% | 2.34% | 0.26% | -0.21% | -0.15% | -0.25% |