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Pioneer Bancorp (PBFS) Financials

Pioneer Bancorp logo
$13.24 +0.12 (+0.91%)
As of 10/24/2025 04:00 PM Eastern
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Annual Income Statements for Pioneer Bancorp

Annual Income Statements for Pioneer Bancorp

This table shows Pioneer Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Period end date 6/30/2022 6/30/2023 6/30/2024
Net Income / (Loss) Attributable to Common Shareholders		 10 22 15
Consolidated Net Income / (Loss)		 10 22 15
Net Income / (Loss) Continuing Operations		 10 22 15
Total Pre-Tax Income 		13 28 19
Total Revenue		 56 80 83
Net Interest Income / (Expense)		 42 66 67
Total Interest Income		 44 71 88
Loans and Leases Interest Income		 40 55 72
Investment Securities Interest Income		 2.95 9.88 9.75
Deposits and Money Market Investments Interest Income		 1.33 5.93 6.19
Total Interest Expense		 1.46 5.49 22
Deposits Interest Expense		 1.37 4.62 21
Long-Term Debt Interest Expense		 0.10 0.87 1.13
Total Non-Interest Income		 14 14 16
Service Charges on Deposit Accounts		 7.08 7.05 9.31
Other Service Charges		 6.72 6.72 5.98
Net Realized & Unrealized Capital Gains on Investments		 0.28 0.37 1.04
Provision for Credit Losses		 -0.55 0.00 2.70
Total Non-Interest Expense		 44 52 61
Salaries and Employee Benefits		 26 27 29
Net Occupancy & Equipment Expense		 11 12 12
Marketing Expense		 0.52 0.83 0.73
Property & Liability Insurance Claims		 1.58 1.77 2.00
Other Operating Expenses		 4.37 10 17
Income Tax Expense		 3.06 5.91 4.15
Basic Earnings per Share		 $0.41 $0.87 $0.61
Weighted Average Basic Shares Outstanding		 25.13M 25.17M 25.19M
Diluted Earnings per Share		 $0.41 $0.87 $0.61
Weighted Average Diluted Shares Outstanding		 25.13M 25.17M 25.22M
Weighted Average Basic & Diluted Shares Outstanding		 25.98M 25.98M 26.17M

Quarterly Income Statements for Pioneer Bancorp

This table shows Pioneer Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 3/31/2022 6/30/2022 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024
Net Income / (Loss) Attributable to Common Shareholders		 0.30 2.36 5.23 6.18 6.02 4.51 3.42 3.19 4.72 3.93 6.31
Consolidated Net Income / (Loss)		 0.30 2.36 5.23 6.18 6.02 4.51 3.42 3.19 4.72 3.93 6.31
Net Income / (Loss) Continuing Operations		 0.30 2.36 5.23 6.18 6.02 4.51 3.42 3.19 4.72 3.93 6.31
Total Pre-Tax Income 		0.46 3.05 6.49 7.98 7.67 5.72 4.31 4.01 6.06 5.03 8.20
Total Revenue		 14 15 18 21 21 19 19 21 22 21 22
Net Interest Income / (Expense)		 9.91 12 15 17 18 16 16 16 17 17 18
Total Interest Income		 10 12 15 18 19 19 20 21 23 24 24
Loans and Leases Interest Income		 9.31 10 12 14 15 16 17 18 19 19 21
Investment Securities Interest Income		 0.75 1.17 1.93 2.52 2.62 2.79 2.57 2.60 2.34 2.24 2.17
Deposits and Money Market Investments Interest Income		 0.19 0.84 1.75 1.95 1.50 0.74 1.06 1.16 2.03 1.94 1.28
Total Interest Expense		 0.34 0.38 0.52 0.84 1.26 2.87 4.27 5.39 5.78 6.36 6.48
Deposits Interest Expense		 0.33 0.34 0.41 0.63 1.05 2.53 3.95 5.09 5.54 6.10 6.27
Long-Term Debt Interest Expense		 0.01 0.04 0.11 0.21 0.21 0.33 0.31 0.31 0.25 0.27 0.21
Total Non-Interest Income		 3.61 3.31 3.81 3.95 3.25 3.15 3.57 4.84 4.23 3.69 4.12
Service Charges on Deposit Accounts		 1.80 1.72 1.73 2.19 1.72 1.42 1.98 2.76 2.30 2.28 2.17
Other Service Charges		 1.58 1.74 1.65 1.49 1.59 1.99 1.51 1.51 1.55 1.35 1.78
Net Realized & Unrealized Capital Gains on Investments		 0.24 -0.15 -0.04 0.27 -0.06 0.20 0.08 0.57 0.39 - 0.17
Provision for Credit Losses		 0.00 -0.80 0.12 -0.40 0.00 0.28 0.75 1.12 0.08 0.75 -0.87
Total Non-Interest Expense		 13 13 12 14 13 13 14 16 15 15 15
Salaries and Employee Benefits		 6.53 6.86 6.59 7.22 7.07 6.54 6.92 7.46 7.39 7.46 7.67
Net Occupancy & Equipment Expense		 2.71 3.11 2.75 2.92 3.06 3.09 3.02 3.22 2.98 2.80 2.81
Marketing Expense		 0.15 0.13 0.14 0.29 0.18 0.21 0.14 0.21 0.16 0.21 0.22
Property & Liability Insurance Claims		 0.37 0.39 0.40 0.38 0.47 0.52 0.50 0.50 0.49 0.51 0.51
Other Operating Expenses		 3.30 2.32 1.99 2.70 2.33 3.00 3.82 4.42 4.41 4.12 3.47
Income Tax Expense		 0.15 0.69 1.26 1.79 1.64 1.21 0.89 0.82 1.34 1.10 1.89
Basic Earnings per Share		 $0.01 $0.10 $0.21 $0.25 $0.24 $0.17 $0.14 $0.13 $0.19 $0.15 $0.25
Weighted Average Basic Shares Outstanding		 25.12M 25.13M 25.14M 25.16M 25.17M 25.17M 25.19M 25.21M 25.22M 25.19M 25.08M
Diluted Earnings per Share		 $0.01 $0.10 $0.21 $0.25 $0.24 $0.17 $0.14 $0.13 $0.19 $0.15 $0.25
Weighted Average Diluted Shares Outstanding		 25.12M 25.13M 25.14M 25.16M 25.17M 25.17M 25.19M 25.21M 25.22M 25.22M 25.15M
Weighted Average Basic & Diluted Shares Outstanding		 25.98M 25.98M 25.98M 25.98M 25.98M 25.98M 25.98M 25.98M 25.98M 26.17M 25.97M

Annual Cash Flow Statements for Pioneer Bancorp

This table details how cash moves in and out of Pioneer Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Period end date 6/30/2022 6/30/2023 6/30/2024
Net Change in Cash & Equivalents		 51 -226 15
Net Cash From Operating Activities		 50 26 24
Net Cash From Continuing Operating Activities		 50 26 24
Net Income / (Loss) Continuing Operations		 10 22 15
Consolidated Net Income / (Loss)		 10 22 15
Provision For Loan Losses		 -0.55 0.00 2.70
Depreciation Expense		 2.74 2.70 2.60
Amortization Expense		 1.68 0.05 -1.86
Non-Cash Adjustments to Reconcile Net Income		 1.17 0.81 6.02
Changes in Operating Assets and Liabilities, net		 35 0.76 -0.86
Net Cash From Investing Activities		 -148 -115 -18
Net Cash From Continuing Investing Activities		 -148 -115 -18
Purchase of Property, Leasehold Improvements and Equipment		 -0.78 -0.45 -0.84
Purchase of Investment Securities		 -263 -306 -241
Sale and/or Maturity of Investments		 115 192 224
Net Cash From Financing Activities		 149 -137 8.91
Net Cash From Continuing Financing Activities		 149 -137 8.91
Net Change in Deposits		 149 -136 10
Repayment of Debt		 0.00 -0.11 -0.10
Repurchase of Common Equity		 - 0.00 -1.08
Other Financing Activities, Net		 0.00 -0.73 -0.12
Cash Interest Paid		 1.46 5.44 22
Cash Income Taxes Paid		 1.50 4.80 5.00

Quarterly Cash Flow Statements for Pioneer Bancorp

This table details how cash moves in and out of Pioneer Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 3/31/2022 6/30/2022 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024
Net Change in Cash & Equivalents		 116 -89 27 -256 -2.26 5.42 66 -77 107 -81 60
Net Cash From Operating Activities		 23 21 7.98 2.38 2.37 14 12 -0.94 3.31 9.04 1.91
Net Cash From Continuing Operating Activities		 23 21 7.98 2.38 2.37 14 12 -0.94 3.31 9.04 1.91
Net Income / (Loss) Continuing Operations		 0.30 2.36 5.23 6.18 6.02 4.51 3.42 3.19 4.72 3.93 6.31
Consolidated Net Income / (Loss)		 0.30 2.36 5.23 6.18 6.02 4.51 3.42 3.19 4.72 3.93 6.31
Provision For Loan Losses		 - -0.80 0.12 -0.40 - 0.28 0.75 1.12 0.08 0.75 -0.87
Depreciation Expense		 0.69 0.70 0.69 0.69 0.66 0.65 0.67 0.65 0.64 0.64 0.63
Amortization Expense		 0.52 0.49 0.27 0.07 -0.05 -0.24 -0.37 -0.45 -0.51 -0.54 -0.58
Non-Cash Adjustments to Reconcile Net Income		 -0.53 0.46 0.05 0.46 0.06 0.25 0.14 5.63 -0.79 1.04 3.95
Changes in Operating Assets and Liabilities, net		 22 18 1.61 -4.62 -4.33 8.09 7.83 -11 -0.83 3.22 -7.53
Net Cash From Investing Activities		 -38 -81 -77 -20 -29 11 -39 37 -21 4.75 -59
Net Cash From Continuing Investing Activities		 -38 -81 -77 -20 -29 11 -39 37 -21 4.75 -59
Purchase of Property, Leasehold Improvements and Equipment		 -0.13 -0.13 -0.07 -0.01 -0.09 -0.28 -0.37 -0.16 -0.10 -0.20 -0.12
Purchase of Investment Securities		 28 -128 -119 -53 -65 -68 -85 -64 115 -207 -97
Sale and/or Maturity of Investments		 -66 45 42 34 36 80 47 102 -136 212 38
Net Cash From Financing Activities		 131 -29 96 -238 24 -19 93 -113 125 -95 117
Net Cash From Continuing Financing Activities		 131 -29 96 -238 24 -19 93 -113 125 -95 117
Net Change in Deposits		 131 -29 96 -238 25 -19 93 -113 125 -94 119
Repayment of Debt		 - - -0.03 -0.03 -0.04 -0.03 -0.03 -0.03 -0.03 -0.03 -0.03
Repurchase of Common Equity		 - - - - - - 0.00 - - - -1.22
Other Financing Activities, Net		 - - - - -0.73 - 0.00 - - - -0.75
Cash Interest Paid		 0.34 0.38 0.50 0.85 1.27 2.82 4.28 5.30 5.84 6.33 6.50
Cash Income Taxes Paid		 - 0.50 0.90 1.15 - 2.75 1.00 2.00 - 2.00 1.00

Annual Balance Sheets for Pioneer Bancorp

This table presents Pioneer Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Period end date 6/30/2022 6/30/2023 6/30/2024
Total Assets		 1,964 1,856 1,895
Cash and Due from Banks		 30 34 37
Restricted Cash		 - - 25
Federal Funds Sold		 3.47 2.17 14
Interest Bearing Deposits at Other Banks		 343 115 115
Trading Account Securities		 508 458 257
Loans and Leases, Net of Allowance		 0.00 1,144 1,344
Loans and Leases		 - 1,167 1,366
Allowance for Loan and Lease Losses		 - 22 22
Premises and Equipment, Net		 38 42 40
Goodwill		 8.80 8.80 11
Intangible Assets		 2.49 2.10 2.95
Other Assets		 49 51 50
Total Liabilities & Shareholders' Equity		 1,964 1,856 1,895
Total Liabilities		 1,722 1,589 1,599
Non-Interest Bearing Deposits		 593 526 445
Interest Bearing Deposits		 1,092 1,024 1,115
Other Long-Term Liabilities		 36 40 39
Commitments & Contingencies		 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 243 267 297
Total Preferred & Common Equity		 243 267 297
Preferred Stock		 0.00 0.00 0.00
Total Common Equity		 243 267 297
Common Stock		 114 114 114
Retained Earnings		 151 173 188
Accumulated Other Comprehensive Income / (Loss)		 -11 -9.57 4.94
Other Equity Adjustments		 -11 -11 -9.89

Quarterly Balance Sheets for Pioneer Bancorp

This table presents Pioneer Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025
Period end date 3/31/2022 9/30/2022 12/31/2022 3/31/2023 9/30/2023 12/31/2023 3/31/2024 9/30/2024
Total Assets		 1,974 2,070 1,835 1,864 1,963 1,853 1,982 2,015
Cash and Due from Banks		 33 53 34 27 84 33 39 78
Restricted Cash		 - - - - - - - 25
Federal Funds Sold		 3.19 3.52 6.06 3.28 2.37 3.24 1.20 2.41
Interest Bearing Deposits at Other Banks		 429 347 108 115 130 104 207 144
Trading Account Securities		 445 540 534 530 439 347 320 263
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 1,204 -21 -22 1,400
Loans and Leases		 - - - - 1,225 0.00 0.00 1,421
Allowance for Loan and Lease Losses		 - - - - 21 21 22 21
Premises and Equipment, Net		 38 43 43 42 41 41 41 40
Goodwill		 8.80 8.80 8.80 8.80 11 11 11 11
Intangible Assets		 2.60 2.39 2.29 2.19 3.35 3.22 3.08 2.83
Other Assets		 48 53 51 50 1,253 2,596 2,694 49
Total Liabilities & Shareholders' Equity		 1,974 2,070 1,835 1,864 1,963 1,853 1,982 2,015
Total Liabilities		 1,737 1,828 1,585 1,604 1,692 1,569 1,693 1,711
Non-Interest Bearing Deposits		 602 708 580 572 608 474 492 538
Interest Bearing Deposits		 1,112 1,073 964 997 1,034 1,056 1,162 1,141
Other Long-Term Liabilities		 22 46 41 35 49 40 39 32
Commitments & Contingencies		 - 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 237 242 250 260 272 284 289 304
Total Preferred & Common Equity		 237 242 250 260 272 284 289 304
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 237 242 250 260 272 284 289 304
Common Stock		 114 114 114 114 114 114 114 114
Retained Earnings		 149 156 163 169 177 180 185 193
Accumulated Other Comprehensive Income / (Loss)		 -14 -17 -16 -12 -8.54 0.18 0.50 6.64
Other Equity Adjustments		 -11 -11 -11 -11 -10 -10 -10 -9.72

Annual Metrics And Ratios for Pioneer Bancorp

This table displays calculated financial ratios and metrics derived from Pioneer Bancorp's official financial filings.

Metric 2022 2023 2024
Period end date 6/30/2022 6/30/2023 6/30/2024
Growth Metrics		 - - -
Revenue Growth		 -1.94% 41.16% 3.96%
EBITDA Growth		 182.77% 72.35% -34.19%
EBIT Growth		 401.43% 108.84% -30.32%
NOPAT Growth		 854.41% 113.52% -30.47%
Net Income Growth		 854.41% 113.52% -30.47%
EPS Growth		 925.00% 112.20% -29.89%
Operating Cash Flow Growth		 53.02% -47.43% -9.22%
Free Cash Flow Firm Growth		 142.84% -138.82% -585.55%
Invested Capital Growth		 2.02% 9.92% 11.18%
Revenue Q/Q Growth		 2.46% 5.71% 1.87%
EBITDA Q/Q Growth		 56.38% 6.63% -4.75%
EBIT Q/Q Growth		 86.15% 10.61% -3.44%
NOPAT Q/Q Growth		 135.59% 10.83% -3.64%
Net Income Q/Q Growth		 135.59% 10.83% -3.64%
EPS Q/Q Growth		 156.25% 8.75% -3.17%
Operating Cash Flow Q/Q Growth		 47.04% -23.02% -15.90%
Free Cash Flow Firm Q/Q Growth		 235.13% 28.60% -9.91%
Invested Capital Q/Q Growth		 2.34% 2.63% 2.62%
Profitability Metrics		 - - -
EBITDA Margin		 31.46% 38.41% 24.31%
EBIT Margin		 23.63% 34.95% 23.43%
Profit (Net Income) Margin		 18.21% 27.54% 18.42%
Tax Burden Percent		 77.07% 78.79% 78.62%
Interest Burden Percent		 100.00% 100.00% 100.00%
Effective Tax Rate		 22.93% 21.21% 21.38%
Return on Invested Capital (ROIC)		 4.28% 8.62% 5.42%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 0.00% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 0.00% 0.00%
Return on Equity (ROE)		 0.00% 0.00% 0.00%
Cash Return on Invested Capital (CROIC)		 2.28% -0.83% -5.17%
Operating Return on Assets (OROA)		 0.71% 1.46% 1.03%
Return on Assets (ROA)		 0.55% 1.15% 0.81%
Return on Common Equity (ROCE)		 0.00% 0.00% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 4.24% 8.23% 5.15%
Net Operating Profit after Tax (NOPAT)		 10 22 15
NOPAT Margin		 18.21% 27.54% 18.42%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 66.80% 50.27% 50.66%
Operating Expenses to Revenue		 77.35% 65.05% 73.31%
Earnings before Interest and Taxes (EBIT)		 13 28 19
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 18 31 20
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 1.05 0.87 0.88
Price to Tangible Book Value (P/TBV)		 1.10 0.91 0.92
Price to Revenue (P/Rev)		 4.51 2.92 3.14
Price to Earnings (P/E)		 24.77 10.59 17.04
Dividend Yield		 0.00% 0.00% 0.00%
Earnings Yield		 4.04% 9.44% 5.87%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.31 0.32
Enterprise Value to Revenue (EV/Rev)		 0.00 1.03 1.14
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 2.68 4.71
Enterprise Value to EBIT (EV/EBIT)		 0.00 2.94 4.89
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 3.74 6.22
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 3.12 3.98
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00
Leverage & Solvency		 - - -
Debt to Equity		 0.00 0.00 0.00
Long-Term Debt to Equity		 0.00 0.00 0.00
Financial Leverage		 0.00 0.00 0.00
Leverage Ratio		 7.83 7.50 6.66
Compound Leverage Factor		 7.83 7.50 6.66
Debt to Total Capital		 0.00% 0.00% 0.00%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00%
Common Equity to Total Capital		 100.00% 100.00% 100.00%
Debt to EBITDA		 0.00 0.00 0.00
Net Debt to EBITDA		 0.00 0.00 0.00
Long-Term Debt to EBITDA		 0.00 0.00 0.00
Debt to NOPAT		 0.00 0.00 0.00
Net Debt to NOPAT		 0.00 0.00 0.00
Long-Term Debt to NOPAT		 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 5.47 -2.13 -15
Operating Cash Flow to CapEx		 0.00% 5,824.61% 2,845.70%
Free Cash Flow to Firm to Interest Expense		 3.74 -0.39 -0.67
Operating Cash Flow to Interest Expense		 34.13 4.78 1.09
Operating Cash Flow Less CapEx to Interest Expense		 34.41 4.70 1.06
Efficiency Ratios		 - - -
Asset Turnover		 0.03 0.04 0.04
Fixed Asset Turnover		 1.47 2.00 2.03
Capital & Investment Metrics		 - - -
Invested Capital		 243 267 297
Invested Capital Turnover		 0.24 0.31 0.29
Increase / (Decrease) in Invested Capital		 4.81 24 30
Enterprise Value (EV)		 -121 82 95
Market Capitalization		 255 233 260
Book Value per Share		 $9.34 $10.27 $11.41
Tangible Book Value per Share		 $8.91 $9.85 $10.88
Total Capital		 243 267 297
Total Debt		 0.00 0.00 0.00
Total Long-Term Debt		 0.00 0.00 0.00
Net Debt		 -376 -150 -165
Capital Expenditures (CapEx)		 -0.41 0.45 0.84
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 0.00 0.00 0.00
Total Depreciation and Amortization (D&A)		 4.42 2.75 0.73
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $0.41 $0.87 $0.61
Adjusted Weighted Average Basic Shares Outstanding		 25.13M 25.17M 25.19M
Adjusted Diluted Earnings per Share		 $0.41 $0.87 $0.61
Adjusted Weighted Average Diluted Shares Outstanding		 25.13M 25.17M 25.22M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 25.98M 25.98M 26.17M
Normalized Net Operating Profit after Tax (NOPAT)		 10 22 15
Normalized NOPAT Margin		 18.21% 27.54% 18.42%
Pre Tax Income Margin		 23.63% 34.95% 23.43%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 9.11 5.07 0.89
NOPAT to Interest Expense		 7.02 4.00 0.70
EBIT Less CapEx to Interest Expense		 9.39 4.99 0.85
NOPAT Less CapEx to Interest Expense		 7.30 3.91 0.66
Payout Ratios		 - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00%
Augmented Payout Ratio		 0.00% 0.00% 7.04%

Quarterly Metrics And Ratios for Pioneer Bancorp

This table displays calculated financial ratios and metrics derived from Pioneer Bancorp's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 3/31/2022 6/30/2022 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -7.31% 9.90% 37.54% 45.99% 53.61% 28.59% 5.33% -0.72% 3.85% 7.86% 13.11%
EBITDA Growth		 -35.81% 295.84% 176.37% -4.65% 396.94% 44.88% -38.13% -51.79% -25.31% -16.35% 78.81%
EBIT Growth		 -72.14% 197.66% 266.52% -1.07% 1,581.58% 87.57% -33.62% -49.67% -21.02% -12.08% 90.21%
NOPAT Growth		 -77.48% 208.09% 285.70% -1.18% 1,894.70% 90.73% -34.68% -48.37% -21.66% -12.80% 84.50%
Net Income Growth		 -77.48% 166.51% 285.70% -1.18% 1,894.70% 90.73% -34.68% -48.37% -21.66% -12.80% 84.50%
EPS Growth		 -80.00% 166.67% 320.00% 0.00% 2,300.00% 70.00% -33.33% -48.00% -20.83% -11.76% 78.57%
Operating Cash Flow Growth		 6.06% 294.94% 35.15% 2,279.82% -89.60% -36.70% 56.01% -139.69% 39.65% -33.28% -84.64%
Free Cash Flow Firm Growth		 -138.26% 84.78% 121.56% 104.48% -106.56% -701.23% -1,097.49% -6,768.25% -45.45% -32.36% 3.46%
Invested Capital Growth		 3.68% 2.02% 1.07% 2.34% 9.61% 9.92% 12.44% 13.64% 11.19% 11.18% 11.79%
Revenue Q/Q Growth		 -6.38% 11.38% 22.72% 14.08% -1.49% -6.76% 0.52% 7.53% 3.04% -3.15% 5.41%
EBITDA Q/Q Growth		 -81.80% 154.23% 75.81% 17.18% -5.12% -25.88% -24.92% -8.70% 46.99% -16.99% 60.49%
EBIT Q/Q Growth		 -94.34% 568.86% 112.82% 22.86% -3.85% -25.39% -24.68% -6.85% 50.87% -16.94% 62.94%
NOPAT Q/Q Growth		 -95.17% 682.45% 121.50% 18.13% -2.57% -25.18% -24.14% -6.64% 47.84% -16.72% 60.51%
Net Income Q/Q Growth		 -95.17% 682.45% 121.50% 18.13% -2.57% -25.18% -24.14% -6.64% 47.84% -16.72% 60.51%
EPS Q/Q Growth		 -96.00% 900.00% 110.00% 19.05% -4.00% -29.17% -17.65% -7.14% 46.15% -21.05% 66.67%
Operating Cash Flow Q/Q Growth		 20,988.99% -5.99% -62.74% -70.21% -0.34% 472.21% -8.18% -107.58% 450.69% 173.39% -78.86%
Free Cash Flow Firm Q/Q Growth		 21.59% 69.90% 209.38% -82.67% -3,719.01% -16.77% -36.17% -15.88% 21.06% -6.26% 0.68%
Invested Capital Q/Q Growth		 -2.84% 2.34% -0.38% 3.32% 4.06% 2.63% 1.90% 4.42% 1.82% 2.62% 2.45%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 12.33% 28.14% 40.32% 41.42% 39.89% 31.71% 23.68% 20.11% 28.69% 24.59% 37.44%
EBIT Margin		 3.37% 20.26% 35.13% 37.83% 36.93% 29.55% 22.14% 19.18% 28.08% 24.08% 37.23%
Profit (Net Income) Margin		 2.23% 15.69% 28.32% 29.33% 29.01% 23.28% 17.57% 15.25% 21.88% 18.82% 28.65%
Tax Burden Percent		 66.23% 77.48% 80.63% 77.53% 78.56% 78.78% 79.35% 79.52% 77.92% 78.13% 76.96%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 33.77% 22.52% 19.37% 22.47% 21.44% 21.22% 20.65% 20.48% 22.08% 21.87% 23.04%
Return on Invested Capital (ROIC)		 0.53% 3.69% 7.24% 8.10% 8.80% 7.28% 5.52% 4.60% 6.48% 5.54% 8.50%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Equity (ROE)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Cash Return on Invested Capital (CROIC)		 -1.74% 2.28% 4.82% 3.39% -1.20% -0.83% -3.87% -6.34% -4.83% -5.17% -4.82%
Operating Return on Assets (OROA)		 0.10% 0.61% 1.07% 1.40% 1.45% 1.23% 0.89% 0.84% 1.19% 1.06% 1.60%
Return on Assets (ROA)		 0.07% 0.47% 0.86% 1.09% 1.14% 0.97% 0.70% 0.67% 0.93% 0.83% 1.23%
Return on Common Equity (ROCE)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 1.84% 0.00% 5.86% 5.64% 7.62% 0.00% 7.41% 6.04% 5.48% 0.00% 5.97%
Net Operating Profit after Tax (NOPAT)		 0.30 2.36 5.23 6.18 6.02 4.51 3.42 3.19 4.72 3.93 6.31
NOPAT Margin		 2.23% 15.69% 28.32% 29.33% 29.01% 23.28% 17.57% 15.25% 21.88% 18.82% 28.65%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 69.49% 67.07% 51.31% 49.48% 49.60% 50.84% 51.81% 52.00% 48.82% 50.15% 48.62%
Operating Expenses to Revenue		 96.63% 85.06% 64.22% 64.07% 63.07% 69.01% 74.01% 75.47% 71.55% 72.32% 66.72%
Earnings before Interest and Taxes (EBIT)		 0.46 3.05 6.49 7.98 7.67 5.72 4.31 4.01 6.06 5.03 8.20
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 1.67 4.24 7.45 8.73 8.28 6.14 4.61 4.21 6.19 5.14 8.24
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.15 1.05 1.02 1.19 0.99 0.87 0.82 0.92 0.88 0.88 0.95
Price to Tangible Book Value (P/TBV)		 1.21 1.10 1.07 1.24 1.03 0.91 0.86 0.96 0.93 0.92 0.99
Price to Revenue (P/Rev)		 4.96 4.51 4.02 4.35 3.40 2.92 2.75 3.23 3.13 3.14 3.36
Price to Earnings (P/E)		 62.64 24.77 17.47 21.03 12.93 10.59 11.02 15.17 16.09 17.04 15.82
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 1.60% 4.04% 5.72% 4.76% 7.73% 9.44% 9.08% 6.59% 6.21% 5.87% 6.32%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.00 0.60 0.43 0.31 0.02 0.42 0.03 0.32 0.12
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 0.00 2.18 1.47 1.03 0.07 1.50 0.10 1.14 0.44
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 6.74 3.87 2.68 0.19 5.18 0.39 4.71 1.58
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 8.28 4.41 2.94 0.21 5.55 0.41 4.89 1.61
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 10.57 5.61 3.74 0.26 7.02 0.52 6.22 2.07
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.00 2.73 3.26 3.12 0.17 4.39 0.29 3.98 2.82
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 17.80 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to Equity		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Financial Leverage		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage Ratio		 8.08 7.83 8.40 7.45 7.72 7.50 7.85 6.91 7.01 6.66 6.91
Compound Leverage Factor		 8.08 7.83 8.40 7.45 7.72 7.50 7.85 6.91 7.01 6.66 6.91
Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -8.11 -2.44 2.67 0.46 -17 -20 -27 -31 -24 -26 -26
Operating Cash Flow to CapEx		 17,788.28% 16,216.67% 12,269.23% 18,276.92% 2,573.91% 4,822.06% 3,335.66% -585.71% 3,210.68% 4,498.01% 1,592.50%
Free Cash Flow to Firm to Interest Expense		 -23.93 -6.36 5.16 0.55 -13.27 -6.82 -6.25 -5.73 -4.21 -4.07 -3.97
Operating Cash Flow to Interest Expense		 67.17 55.74 15.40 2.82 1.87 4.73 2.92 -0.17 0.57 1.42 0.29
Operating Cash Flow Less CapEx to Interest Expense		 66.79 55.40 15.27 2.80 1.80 4.63 2.83 -0.20 0.55 1.39 0.28
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 1.43 1.47 1.50 1.69 1.89 2.00 1.90 1.92 1.96 2.03 2.10
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 237 243 242 250 260 267 272 284 289 297 304
Invested Capital Turnover		 0.24 0.24 0.26 0.28 0.30 0.31 0.31 0.30 0.30 0.29 0.30
Increase / (Decrease) in Invested Capital		 8.41 4.81 2.56 5.72 23 24 30 34 29 30 32
Enterprise Value (EV)		 -191 -121 -156 149 111 82 5.31 120 8.30 95 38
Market Capitalization		 273 255 247 296 256 233 222 260 255 260 287
Book Value per Share		 $9.13 $9.34 $9.30 $9.61 $10.00 $10.27 $10.46 $10.92 $11.12 $11.41 $11.61
Tangible Book Value per Share		 $8.69 $8.91 $8.87 $9.19 $9.58 $9.85 $9.91 $10.38 $10.59 $10.88 $11.08
Total Capital		 237 243 242 250 260 267 272 284 289 297 304
Total Debt		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Long-Term Debt		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt		 -465 -376 -403 -147 -145 -150 -217 -140 -247 -165 -250
Capital Expenditures (CapEx)		 0.13 0.13 0.07 0.01 0.09 0.28 0.37 0.16 0.10 0.20 0.12
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Depreciation and Amortization (D&A)		 1.21 1.19 0.96 0.76 0.62 0.42 0.30 0.20 0.13 0.11 0.05
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.01 $0.10 $0.21 $0.25 $0.24 $0.17 $0.14 $0.13 $0.19 $0.15 $0.25
Adjusted Weighted Average Basic Shares Outstanding		 25.12M 25.13M 25.14M 25.16M 25.17M 25.17M 25.19M 25.21M 25.22M 25.19M 25.08M
Adjusted Diluted Earnings per Share		 $0.01 $0.10 $0.21 $0.25 $0.24 $0.17 $0.14 $0.13 $0.19 $0.15 $0.25
Adjusted Weighted Average Diluted Shares Outstanding		 25.12M 25.13M 25.14M 25.16M 25.17M 25.17M 25.19M 25.21M 25.22M 25.22M 25.15M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 25.98M 25.98M 25.98M 25.98M 25.98M 25.98M 25.98M 25.98M 25.98M 26.17M 25.97M
Normalized Net Operating Profit after Tax (NOPAT)		 0.30 2.36 5.23 6.18 6.02 4.51 3.42 3.19 4.72 3.93 6.31
Normalized NOPAT Margin		 2.23% 15.69% 28.32% 29.33% 29.01% 23.28% 17.57% 15.25% 21.88% 18.82% 28.65%
Pre Tax Income Margin		 3.37% 20.26% 35.13% 37.83% 36.93% 29.55% 22.14% 19.18% 28.08% 24.08% 37.23%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.35 7.94 12.53 9.45 6.07 2.00 1.01 0.74 1.05 0.79 1.26
NOPAT to Interest Expense		 0.89 6.15 10.10 7.33 4.77 1.57 0.80 0.59 0.82 0.62 0.97
EBIT Less CapEx to Interest Expense		 0.97 7.60 12.41 9.43 6.00 1.90 0.92 0.71 1.03 0.76 1.25
NOPAT Less CapEx to Interest Expense		 0.51 5.81 9.98 7.31 4.70 1.47 0.71 0.56 0.80 0.59 0.95
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 7.04% 12.62%

Financials Breakdown Chart

Key Financial Trends

Over the last four years, Pioneer Bancorp (NASDAQ:PBFS) has demonstrated a clear trend of growth and strengthening financial performance across its income, cash flow, and balance sheet statements.

  • Net Interest Income has steadily increased from approximately $9.9 million in Q3 2022 to around $17.9 million in Q1 2025, indicating improved profitability from lending and investment activities.
  • Total Revenue grew from about $13.5 million in Q3 2022 to $22.0 million in Q1 2025, reflecting both growing interest income and stable non-interest income streams.
  • Net Income Attributable to Common Shareholders rose robustly from $302,000 in Q3 2022 to $6.3 million by Q1 2025, signaling profitability improvement.
  • Basic and Diluted Earnings per Share increased from $0.01 in Q3 2022 to $0.25 in Q1 2025, indicating value creation for shareholders.
  • Total Assets increased from approximately $1.86 billion in Q3 2022 to $2.01 billion by Q1 2025, illustrating expansion of the bank’s asset base.
  • Loans and Leases, net of allowance, grew from near zero (likely due to accounting classification of loans held for sale) in Q3 2022 to about $1.4 billion in Q1 2025, reflecting growth in core lending operations.
  • The company maintained a healthy allowance for loan and lease losses, increasing slightly to about $21.2 million in Q1 2025, suggesting prudent credit risk management amid growth.
  • Net Cash From Continuing Operating Activities was positive for recent quarters, with $1.9 million in Q1 2025, showing ongoing operational cash generation.
  • The bank’s Non-Interest Expense has increased over time, from $13 million in Q4 2022 to nearly $14.7 million in Q1 2025, likely due to scale and inflation effects, which warrants monitoring.
  • Provision for Credit Losses has fluctuated, even showing occasional negative provisions (releases), which affects net income but suggests responsive credit loss management.
  • Net Cash From Investing Activities has been consistently negative due to substantial purchases of investment securities, offset partially by sales; this reflects an active investment portfolio strategy.
  • Net Cash From Financing Activities has varied significantly, with large positive inflows in recent quarters primarily from changes in deposits; deposit gathering remains a key funding source.
  • Deposits consistently increased, reaching over $1.6 billion combined interest and non-interest bearing deposits by Q1 2025, supporting asset growth but also increasing interest expense.
  • The company’s long-term debt interest expense has remained low but increased slightly over time, indicating modest leverage changes.
  • Interest Expense on deposits has increased substantially from about $326,000 in Q3 2022 to over $6.2 million in Q1 2025, reflecting rising funding costs which could pressure margins if not passed on.
  • Marketing and other operating expenses have generally increased, which could impact future profitability if revenues do not keep pace.
  • Cash flow volatility evident in some quarters, such as large swings in net change in cash and investing activities, signals reliance on volatile investment securities transactions and deposit flows.
  • Equity growth has been slower compared to asset growth; total common equity rose from about $237 million in Q3 2022 to around $304 million in Q1 2025, possibly indicating moderate capital buildup relative to asset expansion.

Overall, Pioneer Bancorp has shown solid income growth and improving profitability metrics while expanding its loan and deposit base significantly. Rising interest expense on deposits is an area to watch, as well as ongoing operational cost control. The bank’s active investment securities management contributes to cash flow variability, but continual net income growth and earnings per share improvement present a positive sign for investors.

10/25/25 10:14 AM ETAI Generated. May Contain Errors.

Frequently Asked Questions About Pioneer Bancorp's Financials

When does Pioneer Bancorp's financial year end?

According to the most recent income statement we have on file, Pioneer Bancorp's fiscal year ends in June. Their fiscal year 2024 ended on June 30, 2024.

How has Pioneer Bancorp's net income changed over the last 2 years?

Pioneer Bancorp's net income appears to be on an upward trend, with a most recent value of $15.26 million in 2024, rising from $10.28 million in 2022. The previous period was $21.95 million in 2023. See Pioneer Bancorp's forecast for analyst expectations on what’s next for the company.

How has Pioneer Bancorp's revenue changed over the last 2 years?

Over the last 2 years, Pioneer Bancorp's total revenue changed from $56.45 million in 2022 to $82.84 million in 2024, a change of 46.7%.

How much debt does Pioneer Bancorp have?

Pioneer Bancorp's total liabilities were at $1.60 billion at the end of 2024, a 0.6% increase from 2023, and a 7.1% decrease since 2022.

How much cash does Pioneer Bancorp have?

In the past 2 years, Pioneer Bancorp's cash and equivalents has ranged from $29.83 million in 2022 to $36.94 million in 2024, and is currently $36.94 million as of their latest financial filing in 2024.

How has Pioneer Bancorp's book value per share changed over the last 2 years?

Over the last 2 years, Pioneer Bancorp's book value per share changed from 9.34 in 2022 to 11.41 in 2024, a change of 22.2%.


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This page (NASDAQ:PBFS) was last updated on 10/25/2025 by MarketBeat.com Staff
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