Pioneer Bancorp (PBFS) Financials

$17.20 +0.03 (+0.17%)

Closing price 04:00 PM Eastern

Extended Trading

$17.21 +0.01 (+0.06%)

As of 04:31 PM Eastern

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	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	6/30/2018	6/30/2019	6/30/2020	6/30/2021	6/30/2022	6/30/2023	6/30/2024	12/31/2025
Net Income / (Loss) Attributable to Common Shareholders	11	7.31	5.20	1.08	10	22	15	20
Consolidated Net Income / (Loss)	11	7.31	5.20	1.08	10	22	15	20
Net Income / (Loss) Continuing Operations	11	7.31	5.20	1.08	10	22	15	20
Total Pre-Tax Income	18	8.05	6.00	2.66	13	28	19	26
Total Revenue	56	64	64	58	56	80	83	96
Net Interest Income / (Expense)	43	50	49	42	42	66	67	79
Total Interest Income	46	54	54	44	44	71	88	110
Loans and Leases Interest Income	44	50	50	42	40	55	72	92
Investment Securities Interest Income	1.37	2.54	2.11	1.22	2.95	9.88	9.75	15
Deposits and Money Market Investments Interest Income	1.47	1.80	1.90	0.32	1.33	5.93	6.19	3.08
Total Interest Expense	3.19	4.48	4.73	2.11	1.46	5.49	22	30
Deposits Interest Expense	3.17	4.25	4.61	2.03	1.37	4.62	21	28
Long-Term Debt Interest Expense	0.02	0.24	0.12	0.08	0.10	0.87	1.13	2.25
Total Non-Interest Income	13	14	16	16	14	14	16	17
Service Charges on Deposit Accounts	5.13	6.46	6.48	6.81	7.08	7.05	9.31	10
Other Service Charges	6.86	8.41	8.67	7.11	6.72	6.72	5.98	7.04
Net Realized & Unrealized Capital Gains on Investments	0.70	-0.58	-0.02	1.83	0.28	0.37	1.04	0.00
Provision for Credit Losses	1.97	18	6.79	4.05	-0.55	0.00	2.70	3.70
Total Non-Interest Expense	36	38	52	51	44	52	61	66
Salaries and Employee Benefits	22	23	25	26	26	27	29	34
Net Occupancy & Equipment Expense	8.45	8.82	9.37	10	11	12	12	11
Marketing Expense	0.73	0.93	0.68	0.62	0.52	0.83	0.73	1.01
Property & Liability Insurance Claims	0.84	0.68	0.12	1.44	1.58	1.77	2.00	1.91
Other Operating Expenses	4.68	4.83	17	12	4.37	10	17	16
Impairment Charge	-	-	-	-	-	-	0.00	2.00
Income Tax Expense	6.31	0.74	0.80	1.58	3.06	5.91	4.15	6.20
Basic Earnings per Share	-	$0.00	$0.21	$0.04	$0.41	$0.87	$0.61	$0.83
Weighted Average Basic Shares Outstanding	-	0.00	25.01M	25.07M	25.13M	25.17M	25.19M	24.47M
Diluted Earnings per Share	-	$0.00	$0.21	$0.04	$0.41	$0.87	$0.61	$0.83
Weighted Average Diluted Shares Outstanding	-	0.00	25.01M	25.07M	25.13M	25.17M	25.22M	24.57M
Weighted Average Basic & Diluted Shares Outstanding	-	0.00	25.01M	25.07M	25.98M	25.98M	26.17M	25.08M

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 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	3/31/2023	6/30/2023	9/30/2023	6/30/2024	9/30/2024	6/30/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Income / (Loss) Attributable to Common Shareholders	6.02	4.51	3.42	3.93	6.31	3.93	5.76	6.45	4.33	3.74	5.29
Consolidated Net Income / (Loss)	6.02	4.51	3.42	3.93	6.31	3.93	5.76	6.45	4.33	3.74	5.29
Net Income / (Loss) Continuing Operations	6.02	4.51	3.42	3.93	6.31	3.93	5.76	6.45	4.33	3.74	5.29
Total Pre-Tax Income	7.67	5.72	4.31	5.03	8.20	5.03	7.42	8.14	5.61	5.33	5.71
Total Revenue	21	19	19	21	22	21	23	24	24	25	25
Net Interest Income / (Expense)	18	16	16	17	18	17	19	20	20	20	21
Total Interest Income	19	19	20	24	24	24	26	27	28	28	28
Loans and Leases Interest Income	15	16	17	19	21	19	21	22	24	24	24
Investment Securities Interest Income	2.62	2.79	2.57	2.24	2.17	2.24	3.78	3.94	3.79	3.30	3.01
Deposits and Money Market Investments Interest Income	1.50	0.74	1.06	1.94	1.28	1.94	0.90	0.73	0.64	0.81	0.95
Total Interest Expense	1.26	2.87	4.27	6.36	6.48	6.36	6.77	7.40	8.08	8.14	7.63
Deposits Interest Expense	1.05	2.53	3.95	6.09	6.27	6.10	6.42	6.84	7.02	7.85	7.35
Long-Term Debt Interest Expense	0.21	0.33	0.31	0.27	0.21	0.27	0.35	0.55	1.06	0.28	0.27
Total Non-Interest Income	3.25	3.15	3.57	3.69	4.12	3.69	3.73	4.81	3.82	4.79	3.86
Service Charges on Deposit Accounts	1.72	1.42	1.98	2.28	2.17	2.28	2.33	2.51	2.23	3.04	2.47
Other Service Charges	1.59	1.99	1.51	1.41	1.78	1.35	1.40	2.29	1.59	1.76	1.39
Provision for Credit Losses	0.00	0.28	0.75	0.75	-0.87	0.75	0.80	1.55	0.79	0.56	0.78
Total Non-Interest Expense	13	13	14	15	15	15	15	15	18	19	18
Salaries and Employee Benefits	7.07	6.54	6.92	7.46	7.67	7.46	8.29	8.51	8.56	8.59	8.74
Net Occupancy & Equipment Expense	3.06	3.09	3.02	2.80	2.81	2.80	2.79	2.73	2.91	2.90	3.07
Marketing Expense	0.18	0.21	0.14	0.21	0.22	0.21	0.24	0.31	0.24	0.22	0.20
Property & Liability Insurance Claims	0.47	0.52	0.50	0.51	0.51	0.51	0.48	0.47	0.48	0.48	0.48
Other Operating Expenses	2.33	3.00	3.82	4.12	3.47	4.12	2.79	2.71	5.44	4.96	5.62
Income Tax Expense	1.64	1.21	0.89	1.10	1.89	1.10	1.65	1.69	1.28	1.58	0.42
Basic Earnings per Share	$0.24	$0.17	$0.14	$0.16	$0.25	$0.15	$0.23	$0.26	$0.18	$0.16	$0.22
Weighted Average Basic Shares Outstanding	25.17M	25.17M	25.19M	25.18M	25.08M	25.19M	24.81M	24.51M	24.47M	24.47M	24.10M
Diluted Earnings per Share	$0.24	$0.17	$0.14	$0.16	$0.25	$0.15	$0.23	$0.26	$0.18	$0.16	$0.22
Weighted Average Diluted Shares Outstanding	25.17M	25.17M	25.19M	25.21M	25.15M	25.22M	24.94M	24.57M	24.59M	24.57M	24.34M
Weighted Average Basic & Diluted Shares Outstanding	25.98M	25.98M	25.98M	25.98M	25.98M	26.17M	25.85M	25.29M	25.08M	25.08M	25.08M

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	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	6/30/2018	6/30/2019	6/30/2020	6/30/2021	6/30/2022	6/30/2023	6/30/2024	12/31/2025
Net Change in Cash & Equivalents	80	110	-73	168	51	-226	15	37
Net Cash From Operating Activities	23	6.13	2.03	33	50	26	24	11
Net Cash From Continuing Operating Activities	23	6.13	2.03	33	50	26	24	11
Net Income / (Loss) Continuing Operations	11	7.31	5.20	1.08	10	22	15	20
Consolidated Net Income / (Loss)	11	7.31	5.20	1.08	10	22	15	20
Provision For Loan Losses	-	-	6.79	4.05	-0.55	0.00	2.70	3.70
Depreciation Expense	2.64	2.81	2.91	2.86	2.74	2.70	2.60	1.90
Amortization Expense	-0.13	-0.53	-0.33	0.76	1.68	0.05	-1.86	-4.66
Non-Cash Adjustments to Reconcile Net Income	6.03	19	2.17	-2.18	1.17	0.81	6.02	3.60
Changes in Operating Assets and Liabilities, net	2.96	-22	-15	26	35	0.76	-0.86	-14
Net Cash From Investing Activities	-79	-78	-109	-125	-148	-115	-18	-126
Net Cash From Continuing Investing Activities	-79	-78	-109	-125	-148	-115	-18	-126
Purchase of Property, Leasehold Improvements and Equipment	-8.02	-2.28	-1.70	-0.60	-0.78	-0.45	-0.84	-2.32
Purchase of Investment Securities	-139	-143	-199	-255	-263	-306	-241	-359
Sale of Property, Leasehold Improvements and Equipment	0.07	0.62	0.14	0.17	1.19	-	0.00	0.00
Sale and/or Maturity of Investments	72	67	91	130	115	192	224	235
Net Cash From Financing Activities	136	182	34	261	149	-137	8.91	152
Net Cash From Continuing Financing Activities	136	182	34	261	149	-137	8.91	152
Net Change in Deposits	141	182	-61	261	149	-136	10	154
Issuance of Debt	-	-	-	-	-	-	0.00	10
Repayment of Debt	-5.00	0.00	-14	-	0.00	-0.11	-0.10	-0.09
Repurchase of Common Equity	-	-	-	-	-	0.00	-1.08	-11
Other Financing Activities, Net	-	-	-	-	0.00	-0.73	-0.12	-0.82
Cash Interest Paid	3.19	4.47	4.71	2.12	1.46	5.44	22	30
Cash Income Taxes Paid	3.25	5.35	1.80	2.00	1.50	4.80	5.00	9.25

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 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Change in Cash & Equivalents	-2.26	5.42	66	-77	107	-81	43	-18	106	-95	23
Net Cash From Operating Activities	2.37	14	12	-0.94	3.31	9.04	-3.53	5.06	3.91	5.68	-0.16
Net Cash From Continuing Operating Activities	2.37	14	12	-0.94	3.31	9.04	-3.53	5.06	3.91	5.68	-0.16
Net Income / (Loss) Continuing Operations	6.02	4.51	3.42	3.19	4.72	3.93	5.76	6.45	4.33	3.74	5.29
Consolidated Net Income / (Loss)	6.02	4.51	3.42	3.19	4.72	3.93	5.76	6.45	4.33	3.74	5.29
Provision For Loan Losses	-	0.28	0.75	1.12	0.08	0.75	0.80	1.55	0.79	0.56	0.78
Depreciation Expense	0.66	0.65	0.67	0.65	0.64	0.64	0.58	0.60	0.60	0.12	0.61
Amortization Expense	-0.05	-0.24	-0.37	-0.45	-0.51	-0.54	-1.19	-1.32	-1.23	-0.93	-0.81
Non-Cash Adjustments to Reconcile Net Income	0.06	0.25	0.14	5.63	-0.79	1.04	0.15	-0.71	-0.77	4.93	-9.00
Changes in Operating Assets and Liabilities, net	-4.33	8.09	7.83	-11	-0.83	3.22	-9.63	-1.51	0.19	-2.75	2.98
Net Cash From Investing Activities	-29	11	-39	37	-21	4.75	-46	-44	-37	0.59	-38
Net Cash From Continuing Investing Activities	-29	11	-39	37	-21	4.75	-46	-44	-37	0.59	-38
Purchase of Property, Leasehold Improvements and Equipment	-0.09	-0.28	-0.37	-0.16	-0.10	-0.20	-1.37	-0.51	-0.23	-0.22	-0.64
Purchase of Investment Securities	-65	-68	-85	-64	115	-207	-109	-114	-85	-51	-63
Sale and/or Maturity of Investments	36	80	47	102	-136	212	65	71	48	52	26
Net Cash From Financing Activities	24	-19	93	-113	125	-95	92	21	140	-101	61
Net Cash From Continuing Financing Activities	24	-19	93	-113	125	-95	92	21	140	-101	61
Net Change in Deposits	25	-19	93	-113	125	-94	134	24	146	-151	111
Repayment of Debt	-0.04	-0.03	-0.03	-0.03	-0.03	-0.03	-40	-0.03	-0.03	40	-50
Repurchase of Common Equity	-	-	0.00	-	-	-	-1.57	-3.31	-6.00	-0.42	0.00
Other Financing Activities, Net	-0.73	-	0.00	-	-	-	0.00	-	-0.75	0.08	0.05
Cash Interest Paid	1.27	2.82	4.28	5.30	5.84	6.33	6.82	7.23	8.03	7.95	7.97

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	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	6/30/2018	6/30/2019	6/30/2020	6/30/2021	6/30/2022	6/30/2023	12/31/2024	12/31/2025
Total Assets	1,284	1,468	1,526	1,796	1,964	1,856	1,980	2,151
Cash and Due from Banks	23	48	21	24	30	34	26	30
Restricted Cash	-	-	-	-	-	-	25	42
Federal Funds Sold	8.87	2.08	1.38	0.18	3.47	2.17	3.64	2.80
Interest Bearing Deposits at Other Banks	88	180	134	300	343	115	67	101
Trading Account Securities	93	99	91	278	508	458	322	220
Loans and Leases, Net of Allowance	0.00	0.00	0.00	0.00	0.00	1,144	1,435	1,646
Loans and Leases	-	-	-	-	-	1,167	1,456	1,672
Allowance for Loan and Lease Losses	-	-	-	-	-	22	22	25
Premises and Equipment, Net	43	42	41	39	38	42	35	36
Goodwill	7.29	7.29	7.29	7.29	8.80	8.80	11	9.60
Intangible Assets	2.87	2.52	2.16	1.84	2.49	2.10	2.71	2.71
Other Assets	32	49	80	63	49	51	53	61
Total Liabilities & Shareholders' Equity	1,284	1,468	1,526	1,796	1,964	1,856	1,980	2,151
Total Liabilities	1,166	1,345	1,302	1,558	1,722	1,589	1,675	1,827
Non-Interest Bearing Deposits	345	358	438	505	593	526	454	456
Interest Bearing Deposits	811	980	839	1,032	1,092	1,024	1,140	1,292
Long-Term Debt	-	-	-	-	-	-	40	50
Other Long-Term Liabilities	10	7.67	26	22	36	40	41	29
Commitments & Contingencies	-	-	-	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	118	123	224	238	243	267	305	324
Total Preferred & Common Equity	118	123	224	238	243	267	305	324
Preferred Stock	-	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	118	123	224	238	243	267	305	324
Common Stock	-	0.00	114	114	114	114	114	116
Retained Earnings	116	134	140	141	151	173	194	203
Accumulated Other Comprehensive Income / (Loss)	-8.99	-11	-17	-5.13	-11	-9.57	5.54	14
Other Equity Adjustments	11	0.00	-13	-12	-11	-11	-9.55	-8.87

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	Q2 2025	Q3 2025	Q1 2026
Period end date	3/31/2022	9/30/2022	12/31/2022	3/31/2023	9/30/2023	12/31/2023	3/31/2024	3/31/2025	6/30/2025	9/30/2025	3/31/2026
Total Assets	1,974	2,070	1,835	1,864	1,963	1,853	1,982	2,069	2,096	2,243	2,221
Cash and Due from Banks	33	53	34	27	84	33	39	29	30	58	27
Restricted Cash	-	-	-	-	-	-	-	31	42	44	44
Federal Funds Sold	3.19	3.52	6.06	3.28	2.37	3.24	1.20	1.77	2.68	3.45	12
Interest Bearing Deposits at Other Banks	429	347	108	115	130	104	207	109	90	167	118
Trading Account Securities	445	540	534	530	439	347	320	311	288	255	201
Loans and Leases, Net of Allowance	0.00	0.00	0.00	0.00	1,204	-21	-22	1,487	1,543	1,614	1,701
Loans and Leases	-	-	-	-	1,225	0.00	0.00	1,510	1,567	1,639	1,727
Allowance for Loan and Lease Losses	-	-	-	-	21	21	22	23	24	25	26
Premises and Equipment, Net	38	43	43	42	41	41	41	36	36	35	36
Goodwill	8.80	8.80	8.80	8.80	11	11	11	11	11	11	9.60
Intangible Assets	2.60	2.39	2.29	2.19	3.35	3.22	3.08	2.58	2.46	2.35	2.59
Other Assets	48	53	51	50	1,253	2,596	2,694	50	52	54	61
Total Liabilities & Shareholders' Equity	1,974	2,070	1,835	1,864	1,963	1,853	1,982	2,069	2,096	2,243	2,221
Total Liabilities	1,737	1,828	1,585	1,604	1,692	1,569	1,693	1,758	1,782	1,929	1,892
Non-Interest Bearing Deposits	602	708	580	572	608	474	492	509	471	570	478
Interest Bearing Deposits	1,112	1,073	964	997	1,034	1,056	1,162	1,219	1,282	1,329	1,382
Long-Term Debt	-	-	-	-	-	-	-	0.00	0.00	0.00	0.00
Other Long-Term Liabilities	22	46	41	35	49	40	39	30	30	30	33
Commitments & Contingencies	-	0.00	0.00	0.00	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	311	314	314	329
Total Preferred & Common Equity	237	242	250	260	272	284	289	311	314	314	329
Preferred Stock	0.00	0.00	0.00	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	311	314	314	329
Common Stock	114	114	114	114	114	114	114	115	115	115	116
Retained Earnings	149	156	163	169	177	180	185	198	201	200	208
Accumulated Other Comprehensive Income / (Loss)	-14	-17	-16	-12	-8.54	0.18	0.50	7.00	7.05	8.22	13
Other Equity Adjustments	-11	-11	-11	-11	-10	-10	-10	-9.38	-9.21	-9.04	-8.70

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

Metric	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	6/30/2018	6/30/2019	6/30/2020	6/30/2021	6/30/2022	6/30/2023	6/30/2024	12/31/2025
DEI Shares Outstanding	0.00	0.00	25,977,679.00	25,977,679.00	-	-	-	25,080,547.00
DEI Adjusted Shares Outstanding	0.00	0.00	25,977,679.00	25,977,679.00	-	-	-	25,080,547.00
DEI Earnings Per Adjusted Shares Outstanding	0.00	0.00	0.20	0.04	-	-	-	0.81
Growth Metrics	-	-	-	-	-	-	-	-
Revenue Growth	0.00%	14.23%	0.60%	-10.71%	-1.94%	41.16%	3.96%	16.23%
EBITDA Growth	0.00%	-49.18%	-16.99%	-26.74%	182.77%	72.35%	-34.19%	17.78%
EBIT Growth	0.00%	-54.82%	-25.49%	-55.63%	401.43%	108.84%	-30.32%	36.48%
NOPAT Growth	0.00%	-36.44%	-28.88%	-79.28%	854.41%	113.52%	-30.47%	32.94%
Net Income Growth	0.00%	-36.44%	-28.88%	-79.28%	854.41%	113.52%	-30.47%	32.94%
EPS Growth	0.00%	0.00%	0.00%	-80.95%	925.00%	112.20%	-29.89%	36.07%
Operating Cash Flow Growth	0.00%	-73.36%	-66.96%	1,512.49%	53.02%	-47.43%	-9.22%	-53.38%
Free Cash Flow Firm Growth	0.00%	0.00%	-4,617.98%	86.62%	142.84%	-138.82%	-585.55%	85.59%
Invested Capital Growth	0.00%	4.40%	81.71%	6.19%	2.02%	9.92%	11.18%	8.51%
Revenue Q/Q Growth	0.00%	0.00%	-3.51%	-1.30%	2.46%	5.71%	1.87%	4.98%
EBITDA Q/Q Growth	0.00%	0.00%	438.41%	-42.00%	56.38%	6.63%	-4.75%	10.19%
EBIT Q/Q Growth	0.00%	0.00%	220.38%	-64.33%	86.15%	10.61%	-3.44%	14.98%
NOPAT Q/Q Growth	0.00%	0.00%	249.11%	-82.36%	135.59%	10.83%	-3.64%	11.79%
Net Income Q/Q Growth	0.00%	0.00%	273.79%	-82.36%	135.59%	10.83%	-3.64%	11.79%
EPS Q/Q Growth	0.00%	0.00%	50.00%	-84.62%	156.25%	8.75%	-3.17%	13.70%
Operating Cash Flow Q/Q Growth	0.00%	-44.14%	122.01%	-10.93%	47.04%	-23.02%	-15.90%	-26.03%
Free Cash Flow Firm Q/Q Growth	0.00%	0.00%	0.00%	-149.21%	235.13%	28.60%	-9.91%	-27.15%
Invested Capital Q/Q Growth	0.00%	0.00%	-9.88%	4.00%	2.34%	2.63%	2.62%	18.99%
Profitability Metrics	-	-	-	-	-	-	-	-
EBITDA Margin	36.22%	16.11%	13.30%	10.91%	31.46%	38.41%	24.31%	24.64%
EBIT Margin	31.74%	12.56%	9.30%	4.62%	23.63%	34.95%	23.43%	27.51%
Profit (Net Income) Margin	20.50%	11.41%	8.06%	1.87%	18.21%	27.54%	18.42%	21.07%
Tax Burden Percent	64.57%	90.84%	86.71%	40.49%	77.07%	78.79%	78.62%	76.59%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	35.43%	9.16%	13.29%	59.51%	22.93%	21.21%	21.38%	23.41%
Return on Invested Capital (ROIC)	9.74%	6.06%	2.99%	0.47%	4.28%	8.62%	5.42%	5.65%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	5.65%
Return on Net Nonoperating Assets (RNNOA)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.81%
Return on Equity (ROE)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	6.46%
Cash Return on Invested Capital (CROIC)	0.00%	1.75%	-55.01%	-5.53%	2.28%	-0.83%	-5.17%	-2.51%
Operating Return on Assets (OROA)	1.39%	0.58%	0.40%	0.16%	0.71%	1.46%	1.03%	1.28%
Return on Assets (ROA)	0.90%	0.53%	0.35%	0.06%	0.55%	1.15%	0.81%	0.98%
Return on Common Equity (ROCE)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	6.46%
Return on Equity Simple (ROE_SIMPLE)	9.74%	5.93%	2.32%	0.45%	4.24%	8.23%	5.15%	6.26%
Net Operating Profit after Tax (NOPAT)	11	7.31	5.20	1.08	10	22	15	20
NOPAT Margin	20.50%	11.41%	8.06%	1.87%	18.21%	27.54%	18.42%	21.07%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	54.90%	50.54%	54.34%	64.48%	66.80%	50.27%	50.66%	48.09%
Operating Expenses to Revenue	64.75%	59.12%	80.17%	88.34%	77.35%	65.05%	73.31%	68.65%
Earnings before Interest and Taxes (EBIT)	18	8.05	6.00	2.66	13	28	19	26
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	20	10	8.57	6.28	18	31	20	24
Valuation Ratios	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.00	0.00	1.06	1.31	1.05	0.87	0.88	1.04
Price to Tangible Book Value (P/TBV)	0.00	0.00	1.11	1.37	1.10	0.91	0.92	1.09
Price to Revenue (P/Rev)	0.00	0.00	3.69	5.42	4.51	2.92	3.14	3.51
Price to Earnings (P/E)	0.00	0.00	45.73	289.93	24.77	10.59	17.04	16.67
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	0.00%	0.00%	2.19%	0.34%	4.04%	9.44%	5.87%	6.00%
Enterprise Value to Invested Capital (EV/IC)	0.00	0.00	0.36	0.00	0.00	0.31	0.32	0.57
Enterprise Value to Revenue (EV/Rev)	0.00	0.00	1.25	0.00	0.00	1.03	1.14	2.21
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.00	9.43	0.00	0.00	2.68	4.71	8.97
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	13.48	0.00	0.00	2.94	4.89	8.04
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.00	15.54	0.00	0.00	3.74	6.22	10.49
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	0.00	39.90	0.00	0.00	3.12	3.98	19.15
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	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	0.15
Long-Term Debt to Equity	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.15
Financial Leverage	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.14
Leverage Ratio	10.88	11.41	8.62	7.20	7.83	7.50	6.66	6.57
Compound Leverage Factor	10.88	11.41	8.62	7.20	7.83	7.50	6.66	6.57
Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	13.37%
Short-Term Debt to Total Capital	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%	13.37%
Preferred Equity to Total Capital	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%
Common Equity to Total Capital	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	86.63%
Debt to EBITDA	0.00	0.00	0.00	0.00	0.00	0.00	0.00	2.11
Net Debt to EBITDA	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-5.28
Long-Term Debt to EBITDA	0.00	0.00	0.00	0.00	0.00	0.00	0.00	2.11
Debt to NOPAT	0.00	0.00	0.00	0.00	0.00	0.00	0.00	2.46
Net Debt to NOPAT	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-6.17
Long-Term Debt to NOPAT	0.00	0.00	0.00	0.00	0.00	0.00	0.00	2.46
Noncontrolling Interest Sharing Ratio	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)	0.00	2.11	-96	-13	5.47	-2.13	-15	-9.02
Operating Cash Flow to CapEx	289.55%	367.67%	129.39%	7,576.10%	0.00%	5,824.61%	2,845.70%	479.80%
Free Cash Flow to Firm to Interest Expense	0.00	0.47	-20.19	-6.06	3.74	-0.39	-0.67	-0.30
Operating Cash Flow to Interest Expense	7.22	1.37	0.43	15.48	34.13	4.78	1.09	0.37
Operating Cash Flow Less CapEx to Interest Expense	4.73	1.00	0.10	15.27	34.41	4.70	1.06	0.29
Efficiency Ratios	-	-	-	-	-	-	-	-
Asset Turnover	0.04	0.05	0.04	0.03	0.03	0.04	0.04	0.05
Fixed Asset Turnover	1.31	1.51	1.56	1.44	1.47	2.00	2.03	2.71
Capital & Investment Metrics	-	-	-	-	-	-	-	-
Invested Capital	118	123	224	238	243	267	297	374
Invested Capital Turnover	0.48	0.53	0.37	0.25	0.24	0.31	0.29	0.27
Increase / (Decrease) in Invested Capital	0.00	5.20	101	14	4.81	24	30	29
Enterprise Value (EV)	0.00	0.00	81	-13	-121	82	95	213
Market Capitalization	0.00	0.00	238	312	255	233	260	338
Book Value per Share	$0.00	$0.00	$8.62	$9.15	$9.34	$10.27	$11.41	$12.91
Tangible Book Value per Share	$0.00	$0.00	$8.26	$8.80	$8.91	$9.85	$10.88	$12.42
Total Capital	118	123	224	238	243	267	297	374
Total Debt	0.00	0.00	0.00	0.00	0.00	0.00	0.00	50
Total Long-Term Debt	0.00	0.00	0.00	0.00	0.00	0.00	0.00	50
Net Debt	-120	-230	-157	-325	-376	-150	-165	-125
Capital Expenditures (CapEx)	7.95	1.67	1.57	0.43	-0.41	0.45	0.84	2.32
Net Nonoperating Expense (NNE)	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	50
Total Depreciation and Amortization (D&A)	2.51	2.28	2.58	3.62	4.42	2.75	0.73	-2.77
Earnings Adjustments	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.00	$0.00	$0.00	$0.04	$0.41	$0.87	$0.61	$0.83
Adjusted Weighted Average Basic Shares Outstanding	0.00	0.00	0.00	25.98M	25.13M	25.17M	25.19M	24.47M
Adjusted Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.04	$0.41	$0.87	$0.61	$0.83
Adjusted Weighted Average Diluted Shares Outstanding	0.00	0.00	0.00	25.98M	25.13M	25.17M	25.22M	24.57M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	0.00	0.00	0.00	25.07M	25.98M	25.98M	26.17M	25.08M
Normalized Net Operating Profit after Tax (NOPAT)	11	7.31	5.20	1.86	10	22	15	22
Normalized NOPAT Margin	20.50%	11.41%	8.06%	3.23%	18.21%	27.54%	18.42%	22.66%
Pre Tax Income Margin	31.74%	12.56%	9.30%	4.62%	23.63%	34.95%	23.43%	27.51%
Debt Service Ratios	-	-	-	-	-	-	-	-
EBIT to Interest Expense	5.59	1.80	1.27	1.26	9.11	5.07	0.89	0.87
NOPAT to Interest Expense	3.61	1.63	1.10	0.51	7.02	4.00	0.70	0.67
EBIT Less CapEx to Interest Expense	3.10	1.42	0.94	1.06	9.39	4.99	0.85	0.80
NOPAT Less CapEx to Interest Expense	1.12	1.26	0.77	0.31	7.30	3.91	0.66	0.59
Payout Ratios	-	-	-	-	-	-	-	-
Dividend Payout Ratio	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%	7.04%	55.67%

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

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	6/30/2025	9/30/2025	12/31/2025	3/31/2026
DEI Shares Outstanding	-	-	-	-	-	-	-	25,853,091.00	25,294,829.00	25,080,547.00	25,076,801.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	-	25,853,091.00	25,294,829.00	25,080,547.00	25,076,801.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	-	0.25	0.17	0.15	0.21
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	53.61%	28.59%	5.33%	-0.72%	3.85%	7.86%	13.11%	16.89%	9.10%	22.32%	7.89%
EBITDA Growth	396.94%	44.88%	-38.13%	-51.79%	-25.31%	-16.35%	78.81%	49.46%	-39.67%	94.40%	-19.27%
EBIT Growth	1,581.58%	87.57%	-33.62%	-49.67%	-21.02%	-12.08%	90.21%	61.77%	-31.56%	184.20%	-23.07%
NOPAT Growth	1,894.70%	90.73%	-34.68%	-48.37%	-21.66%	-12.80%	84.50%	64.15%	-31.36%	133.50%	-8.21%
Net Income Growth	1,894.70%	90.73%	-34.68%	-48.37%	-21.66%	-12.80%	84.50%	64.15%	-31.36%	133.50%	-8.21%
EPS Growth	2,300.00%	70.00%	-33.33%	-48.00%	-20.83%	-11.76%	78.57%	62.50%	-28.00%	166.67%	-4.35%
Operating Cash Flow Growth	-89.60%	-36.70%	56.01%	-139.69%	39.65%	-33.28%	-84.64%	5,486.17%	104.34%	-40.81%	95.43%
Free Cash Flow Firm Growth	-106.56%	-701.23%	-1,097.49%	-6,768.25%	-45.45%	-32.36%	3.46%	20.35%	8.21%	66.47%	62.03%
Invested Capital Growth	9.61%	9.92%	12.44%	13.64%	11.19%	11.18%	11.79%	10.73%	8.74%	8.51%	5.76%
Revenue Q/Q Growth	-1.49%	-6.76%	0.52%	7.53%	3.04%	-3.15%	5.41%	7.04%	-1.62%	4.29%	-1.76%
EBITDA Q/Q Growth	-5.12%	-25.88%	-24.92%	-8.70%	46.99%	-16.99%	60.49%	8.94%	-33.00%	-9.19%	21.79%
EBIT Q/Q Growth	-3.85%	-25.39%	-24.68%	-6.85%	50.87%	-16.94%	62.94%	9.71%	-31.07%	-5.05%	7.13%
NOPAT Q/Q Growth	-2.57%	-25.18%	-24.14%	-6.64%	47.84%	-16.72%	60.51%	11.94%	-32.88%	-13.56%	41.33%
Net Income Q/Q Growth	-2.57%	-25.18%	-24.14%	-6.64%	47.84%	-16.72%	60.51%	11.94%	-32.88%	-13.56%	41.33%
EPS Q/Q Growth	-4.00%	-29.17%	-17.65%	-7.14%	46.15%	-21.05%	66.67%	13.04%	-30.77%	-11.11%	37.50%
Operating Cash Flow Q/Q Growth	-0.34%	472.21%	-8.18%	-107.58%	450.69%	173.39%	-78.86%	243.59%	-22.87%	45.33%	-102.84%
Free Cash Flow Firm Q/Q Growth	-3,719.01%	-16.77%	-36.17%	-15.88%	21.06%	-6.26%	0.68%	27.63%	12.87%	-22.25%	50.74%
Invested Capital Q/Q Growth	4.06%	2.63%	1.90%	4.42%	1.82%	2.62%	2.45%	1.14%	-0.02%	18.99%	-12.11%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	39.89%	31.71%	23.68%	20.11%	28.69%	24.59%	37.44%	30.40%	20.71%	18.03%	22.35%
EBIT Margin	36.93%	29.55%	22.14%	19.18%	28.08%	24.08%	37.23%	33.33%	23.35%	21.26%	23.19%
Profit (Net Income) Margin	29.01%	23.28%	17.57%	15.25%	21.88%	18.82%	28.65%	26.42%	18.03%	14.94%	21.50%
Tax Burden Percent	78.56%	78.78%	79.35%	79.52%	77.92%	78.13%	76.96%	79.28%	77.20%	70.28%	92.71%
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	21.44%	21.22%	20.65%	20.48%	22.08%	21.87%	23.04%	20.72%	22.80%	29.72%	7.29%
Return on Invested Capital (ROIC)	8.80%	7.28%	5.52%	4.60%	6.48%	5.54%	8.50%	7.93%	5.48%	4.01%	6.60%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	4.01%	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%	0.57%	0.00%
Return on Equity (ROE)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	4.58%	0.00%
Cash Return on Invested Capital (CROIC)	-1.20%	-0.83%	-3.87%	-6.34%	-4.83%	-5.17%	-4.82%	-3.45%	-2.35%	-2.51%	0.60%
Operating Return on Assets (OROA)	1.45%	1.23%	0.89%	0.84%	1.19%	1.06%	1.60%	1.51%	1.01%	0.99%	1.06%
Return on Assets (ROA)	1.14%	0.97%	0.70%	0.67%	0.93%	0.83%	1.23%	1.20%	0.78%	0.70%	0.98%
Return on Common Equity (ROCE)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	4.58%	0.00%
Return on Equity Simple (ROE_SIMPLE)	7.62%	0.00%	7.41%	6.04%	5.48%	0.00%	5.97%	6.40%	5.78%	0.00%	6.03%
Net Operating Profit after Tax (NOPAT)	6.02	4.51	3.42	3.19	4.72	3.93	6.31	6.45	4.33	3.74	5.29
NOPAT Margin	29.01%	23.28%	17.57%	15.25%	21.88%	18.82%	28.65%	26.42%	18.03%	14.94%	21.50%
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	49.60%	50.84%	51.81%	52.00%	48.82%	50.15%	48.62%	47.29%	48.75%	46.79%	48.85%
Operating Expenses to Revenue	63.07%	69.01%	74.01%	75.47%	71.55%	72.32%	66.72%	60.32%	73.38%	76.50%	73.64%
Earnings before Interest and Taxes (EBIT)	7.67	5.72	4.31	4.01	6.06	5.03	8.20	8.14	5.61	5.33	5.71
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	8.28	6.14	4.61	4.21	6.19	5.14	8.24	7.42	4.97	4.52	5.50
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.99	0.87	0.82	0.92	0.88	0.88	0.95	0.99	1.05	1.04	1.06
Price to Tangible Book Value (P/TBV)	1.03	0.91	0.86	0.96	0.93	0.92	0.99	1.03	1.10	1.09	1.10
Price to Revenue (P/Rev)	3.40	2.92	2.75	3.23	3.13	3.14	3.36	3.47	3.60	3.51	3.56
Price to Earnings (P/E)	12.93	10.59	11.02	15.17	16.09	17.04	15.82	15.45	18.20	16.67	17.62
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	7.73%	9.44%	9.08%	6.59%	6.21%	5.87%	6.32%	6.47%	5.49%	6.00%	5.68%
Enterprise Value to Invested Capital (EV/IC)	0.43	0.31	0.02	0.42	0.03	0.32	0.12	0.47	0.18	0.57	0.45
Enterprise Value to Revenue (EV/Rev)	1.47	1.03	0.07	1.50	0.10	1.14	0.44	1.63	0.63	2.21	1.51
Enterprise Value to EBITDA (EV/EBITDA)	3.87	2.68	0.19	5.18	0.39	4.71	1.58	5.91	2.69	8.97	6.59
Enterprise Value to EBIT (EV/EBIT)	4.41	2.94	0.21	5.55	0.41	4.89	1.61	5.72	2.51	8.04	5.96
Enterprise Value to NOPAT (EV/NOPAT)	5.61	3.74	0.26	7.02	0.52	6.22	2.07	7.28	3.19	10.49	7.46
Enterprise Value to Operating Cash Flow (EV/OCF)	3.26	3.12	0.17	4.39	0.29	3.98	2.82	11.24	3.85	19.15	10.20
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	76.55
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.15	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	0.15	0.00
Financial Leverage	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.14	0.00
Leverage Ratio	7.72	7.50	7.85	6.91	7.01	6.66	6.91	6.60	7.01	6.57	6.71
Compound Leverage Factor	7.72	7.50	7.85	6.91	7.01	6.66	6.91	6.60	7.01	6.57	6.71
Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	13.37%	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%	13.37%	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%	86.63%	100.00%
Debt to EBITDA	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	2.11	0.00
Net Debt to EBITDA	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-5.28	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	2.11	0.00
Debt to NOPAT	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	2.46	0.00
Net Debt to NOPAT	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-6.17	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	2.46	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)	-17	-20	-27	-31	-24	-26	-26	-24	-21	-26	-13
Operating Cash Flow to CapEx	2,573.91%	4,822.06%	3,335.66%	-585.71%	3,210.68%	4,498.01%	1,592.50%	996.65%	1,720.26%	2,615.21%	-25.31%
Free Cash Flow to Firm to Interest Expense	-13.27	-6.82	-6.25	-5.73	-4.21	-4.07	-3.97	-3.24	-2.59	-3.14	-1.65
Operating Cash Flow to Interest Expense	1.87	4.73	2.92	-0.17	0.57	1.42	0.29	0.68	0.48	0.70	-0.02
Operating Cash Flow Less CapEx to Interest Expense	1.80	4.63	2.83	-0.20	0.55	1.39	0.28	0.62	0.46	0.67	-0.10
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.04	0.05	0.05
Fixed Asset Turnover	1.89	2.00	1.90	1.92	1.96	2.03	2.10	2.34	2.41	2.71	2.73
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	260	267	272	284	289	297	304	314	314	374	329
Invested Capital Turnover	0.30	0.31	0.31	0.30	0.30	0.29	0.30	0.30	0.30	0.27	0.31
Increase / (Decrease) in Invested Capital	23	24	30	34	29	30	32	30	25	29	18
Enterprise Value (EV)	111	82	5.31	120	8.30	95	38	147	58	213	148
Market Capitalization	256	233	222	260	255	260	287	311	330	338	349
Book Value per Share	$10.00	$10.27	$10.46	$10.92	$11.12	$11.41	$11.61	$12.16	$12.42	$12.91	$13.10
Tangible Book Value per Share	$9.58	$9.85	$9.91	$10.38	$10.59	$10.88	$11.08	$11.64	$11.90	$12.42	$12.62
Total Capital	260	267	272	284	289	297	304	314	314	374	329
Total Debt	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	50	0.00
Total Long-Term Debt	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	50	0.00
Net Debt	-145	-150	-217	-140	-247	-165	-250	-164	-272	-125	-201
Capital Expenditures (CapEx)	0.09	0.28	0.37	0.16	0.10	0.20	0.12	0.51	0.23	0.22	0.64
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	50	0.00
Total Depreciation and Amortization (D&A)	0.62	0.42	0.30	0.20	0.13	0.11	0.05	-0.72	-0.64	-0.81	-0.21
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.24	$0.17	$0.14	$0.13	$0.19	$0.15	$0.25	$0.26	$0.18	$0.16	$0.22
Adjusted Weighted Average Basic Shares Outstanding	25.17M	25.17M	25.19M	25.21M	25.22M	25.19M	25.08M	24.51M	24.47M	24.47M	24.10M
Adjusted Diluted Earnings per Share	$0.24	$0.17	$0.14	$0.13	$0.19	$0.15	$0.25	$0.26	$0.18	$0.16	$0.22
Adjusted Weighted Average Diluted Shares Outstanding	25.17M	25.17M	25.19M	25.21M	25.22M	25.22M	25.15M	24.57M	24.59M	24.57M	24.34M
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	26.17M	25.97M	25.29M	25.08M	25.08M	25.08M
Normalized Net Operating Profit after Tax (NOPAT)	6.02	4.51	3.42	3.19	4.72	3.93	6.31	6.45	4.33	3.74	5.29
Normalized NOPAT Margin	29.01%	23.28%	17.57%	15.25%	21.88%	18.82%	28.65%	26.42%	18.03%	14.94%	21.50%
Pre Tax Income Margin	36.93%	29.55%	22.14%	19.18%	28.08%	24.08%	37.23%	33.33%	23.35%	21.26%	23.19%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	6.07	2.00	1.01	0.74	1.05	0.79	1.26	1.10	0.69	0.65	0.75
NOPAT to Interest Expense	4.77	1.57	0.80	0.59	0.82	0.62	0.97	0.87	0.54	0.46	0.69
EBIT Less CapEx to Interest Expense	6.00	1.90	0.92	0.71	1.03	0.76	1.25	1.03	0.67	0.63	0.66
NOPAT Less CapEx to Interest Expense	4.70	1.47	0.71	0.56	0.80	0.59	0.95	0.80	0.51	0.43	0.61
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%	7.04%	12.62%	24.25%	53.24%	55.67%	49.07%

Financials Breakdown Chart

Key Financial Trends

Pioneer Bancorp (NASDAQ: PBFS) showed a mixed but generally improving operating profile in the latest quarter. Q1 2026 net income rose to $5.3 million from $3.7 million in Q4 2025, while basic EPS improved to $0.22 from $0.16. Revenue also edged higher, helped by a stable net interest margin profile and stronger fee income.

That said, the bank’s cash flow picture was softer than its earnings picture. Operating cash flow was slightly negative in Q1 2026 at -$161,000, versus positive operating cash flow in Q4 2025, and the quarter’s cash increase was driven mainly by financing activity rather than core operations. Deposits rose sharply, but the company also continued to use cash for securities purchases and loan growth.

Net income improved quarter over quarter, rising to $5.3 million in Q1 2026 from $3.7 million in Q4 2025.
EPS improved as well, with basic and diluted EPS both at $0.22 versus $0.16 in the prior quarter.
Deposit growth was strong, with net deposit growth of $111.3 million in Q1 2026, helping fund the balance sheet.
Interest income remained resilient, supported by a loan portfolio that grew to $1.73 billion from $1.64 billion in Q3 2025.
Non-interest income held up well at $3.9 million, supported by service charges and fee income.
Total assets increased modestly to $2.22 billion from $2.24 billion in Q3 2025, showing a relatively stable asset base.
Loan-loss provisioning stayed manageable at $780,000, suggesting credit costs were contained in the quarter.
Liquidity appears solid, with cash, restricted cash, federal funds sold, and interest-bearing deposits at other banks totaling a sizable amount relative to assets.
Operating cash flow was negative at -$161,000, indicating earnings did not fully convert into cash during the quarter.
Investment spending remained heavy, with $63.5 million of investment purchases in Q1 2026, which kept investing cash flow under pressure.
Interest expense remains a meaningful drag, with deposits interest expense of $7.4 million and total interest expense of $7.6 million in Q1 2026.
Retained earnings growth has been steady but not rapid, and equity growth remains modest compared with the size of the balance sheet.

Longer term, PBFS has been growing earnings from a lower base. Compared with Q1 2024, Q1 2026 revenue and net income are both higher, and loan balances are materially larger. However, profitability has been uneven from quarter to quarter, and the bank has at times relied on deposit flows and balance sheet actions more than organic operating cash generation.

For retail investors, the key takeaway is that PBFS looks profitable and stable, but not especially fast-growing. The latest quarter was constructive on earnings and deposits, but the weak operating cash flow and continued securities investment spending suggest investors should watch future deposit trends, credit quality, and whether earnings increasingly translate into cash.

07/20/26 08:19 PM ETAI Generated. May Contain Errors.

Pioneer Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Pioneer Bancorp's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Pioneer Bancorp's net income appears to be on an upward trend, with a most recent value of $20.29 million in 2025, rising from $11.50 million in 2018. The previous period was $15.26 million in 2024. Find out what analysts predict for Pioneer Bancorp in the coming months.

Over the last 7 years, Pioneer Bancorp's total revenue changed from $56.10 million in 2018 to $96.29 million in 2025, a change of 71.6%.

Pioneer Bancorp's total liabilities were at $1.83 billion at the end of 2025, a 9.1% increase from 2024, and a 56.7% increase since 2018.

In the past 7 years, Pioneer Bancorp's cash and equivalents has ranged from $21.19 million in 2020 to $48.39 million in 2019, and is currently $29.84 million as of their latest financial filing in 2025.

Over the last 7 years, Pioneer Bancorp's book value per share changed from 0.00 in 2018 to 12.91 in 2025, a change of 1,291.3%.

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Financial statements for NASDAQ:PBFS last updated on 7/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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Pioneer Bancorp (PBFS) Financials

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Pioneer Bancorp (PBFS) Financials

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