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Pioneer Bancorp (PBFS) Financials

Pioneer Bancorp logo
$11.79 +0.27 (+2.34%)
Closing price 05/27/2025 04:00 PM Eastern
Extended Trading
$11.75 -0.04 (-0.34%)
As of 05/27/2025 04:01 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 2024 2023 2022
Period end date 6/30/2024 6/30/2023 6/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 15 22 10
Consolidated Net Income / (Loss)		 15 22 10
Net Income / (Loss) Continuing Operations		 15 22 10
Total Pre-Tax Income 		19 28 13
Total Revenue		 83 80 56
Net Interest Income / (Expense)		 67 66 42
Total Interest Income		 88 71 44
Loans and Leases Interest Income		 72 55 40
Investment Securities Interest Income		 9.75 9.88 2.95
Deposits and Money Market Investments Interest Income		 6.19 5.93 1.33
Total Interest Expense		 22 5.49 1.46
Deposits Interest Expense		 21 4.62 1.37
Long-Term Debt Interest Expense		 1.13 0.87 0.10
Total Non-Interest Income		 16 14 14
Service Charges on Deposit Accounts		 9.31 7.05 7.08
Other Service Charges		 5.98 6.72 6.72
Net Realized & Unrealized Capital Gains on Investments		 1.04 0.37 0.28
Provision for Credit Losses		 2.70 0.00 -0.55
Total Non-Interest Expense		 61 52 44
Salaries and Employee Benefits		 29 27 26
Net Occupancy & Equipment Expense		 12 12 11
Marketing Expense		 0.73 0.83 0.52
Property & Liability Insurance Claims		 2.00 1.77 1.58
Other Operating Expenses		 17 10 4.37
Income Tax Expense		 4.15 5.91 3.06
Basic Earnings per Share		 $0.61 $0.87 $0.41
Weighted Average Basic Shares Outstanding		 25.19M 25.17M 25.13M
Diluted Earnings per Share		 $0.61 $0.87 $0.41
Weighted Average Diluted Shares Outstanding		 25.22M 25.17M 25.13M
Weighted Average Basic & Diluted Shares Outstanding		 26.17M 25.98M 25.98M

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

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

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

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

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

Annual Metrics And Ratios for Pioneer Bancorp

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

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

Quarterly Metrics And Ratios for Pioneer Bancorp

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

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

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.

How has Pioneer Bancorp 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 5/28/2025 by MarketBeat.com Staff
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