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Financials · PBFS

Pioneer Bancorp Inc. (PBFS) financials

For the twelve months ended Jun 30, 2026, Pioneer Bancorp Inc. reported $101.99M of revenue and $16.85M of net income.

Revenue, TTM
$101.99M
Net income, TTM
$16.85M
Net margin
16.5%
EPS, diluted, TTM
$0.70
Cash
$94.57M
P/E
27.06
P/S
4.47
Market cap
$455.8M
Annual revenue$96.29M
FY2018FY2025
Annual net income$20.29M
FY2018FY2025
Annual free cash flow$23.01M
FY2018FY2024

PBFS revenue and earnings growth

PBFS revenueQ2 2026$28.32M

Quarter YoY
+16.0%
QoQ
+15.1%

PBFS revenue was $28.32M in fiscal Q2 2026 (ended Jun 30, 2026), up 16.0% from a year earlier and up 15.1% from the prior quarter. For the full fiscal 2025 it was $96.29M. Fiscal 2025 is the highest of the 8 fiscal years on file.

PBFS net incomeQ2 2026$3.48M

Quarter YoY
-46.0%
QoQ
-34.1%

PBFS net income was $3.48M in fiscal Q2 2026 (ended Jun 30, 2026), down 46.0% from a year earlier and down 34.1% from the prior quarter. For the full fiscal 2025 it was $20.29M.

PBFS EPSQ2 2026$0.14

Quarter YoY
-46.2%
QoQ
-36.4%

PBFS diluted EPS was $0.14 in fiscal Q2 2026 (ended Jun 30, 2026), down 46.2% from a year earlier and down 36.4% from the prior quarter. For the full fiscal 2025 it was $0.83.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Jun 30, 2024
FY2023
Jun 30, 2023
FY2022
Jun 30, 2022
FY2021
Jun 30, 2021
FY2020
Jun 30, 2020
FY2019
Jun 30, 2019
FY2018
Jun 30, 2018
Revenue$96.29M$82.84M$79.69M$56.45M$57.57M$64.47M$64.09M$56.10M
Interest expense-$21.80M$5.49M$1.46M$2.11M$4.73M$4.48M$3.19M
Pre-tax income$26.49M$19.41M$27.86M$13.34M$2.66M$6.00M$8.05M$17.81M
Income tax$6.20M$4.15M$5.91M$3.06M$1.58M$797.0K$737.0K$6.31M
Net income$20.29M$15.26M$21.95M$10.28M$1.08M$5.20M$7.31M$11.50M
EPS, basic$0.83$0.61$0.87$0.41$0.04$0.21--
EPS, diluted$0.83$0.61$0.87$0.41$0.04$0.21--
Diluted shares24.6M25.2M25.2M25.1M25.1M25.0M--

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Jun 30, 2024
FY2023
Jun 30, 2023
FY2022
Jun 30, 2022
FY2021
Jun 30, 2021
FY2020
Jun 30, 2020
FY2019
Jun 30, 2019
FY2018
Jun 30, 2018
Cash and equivalents$133.68M$165.19M$150.48M$376.06M$324.96M$156.90M$230.11M$120.28M
Goodwill$9.60M$10.88M$8.80M$8.80M$7.29M$7.29M$7.29M$7.29M
Total assets$2.15B$1.90B$1.86B$1.96B$1.80B$1.53B$1.47B$1.28B
Total liabilities$1.83B$1.60B$1.59B$1.72B$1.56B$1.30B$1.35B$1.17B
Shareholders' equity$323.86M$296.53M$266.70M$242.63M$237.82M$223.97M$123.26M$118.06M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Jun 30, 2024
FY2023
Jun 30, 2023
FY2022
Jun 30, 2022
FY2021
Jun 30, 2021
FY2020
Jun 30, 2020
FY2019
Jun 30, 2019
FY2018
Jun 30, 2018
Operating cash flow$11.12M$23.85M$26.27M$49.97M$32.65M$2.02M$6.13M$23.00M
Capital expenditures-$838.0K$451.0K$780.0K$596.0K$1.70M$2.28M$8.02M
Free cash flow-$23.01M$25.82M$49.19M$32.06M$322.0K$3.85M$14.99M
Investing cash flow-$125.79M-$18.05M-$114.87M-$148.03M-$125.11M-$109.47M-$78.02M-$78.70M
Financing cash flow$151.83M$8.91M-$136.98M$149.16M$260.51M$34.24M$181.72M$135.71M
Share repurchases$11.29M$1.07M------
Stock-based compensation$1.27M$154.0K------
Depreciation and amortization$1.90M$2.10M$2.30M$2.40M$2.50M$2.54M$2.46M$2.37M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Jun 30, 2024
FY2023
Jun 30, 2023
FY2022
Jun 30, 2022
FY2021
Jun 30, 2021
FY2020
Jun 30, 2020
FY2019
Jun 30, 2019
FY2018
Jun 30, 2018
Revenue growth, YoY16.2%4.0%41.2%-1.9%-10.7%0.6%14.2%-
Net income growth, YoY32.9%-30.5%113.5%854.4%-79.3%-28.9%-36.4%-
EPS growth, YoY36.1%-29.9%112.2%925.0%-81.0%---
Net margin21.1%18.4%27.5%18.2%1.9%8.1%11.4%20.5%
Free cash flow margin-27.8%32.4%87.1%55.7%0.5%6.0%26.7%
Return on equity6.3%5.1%8.2%4.2%0.5%2.3%5.9%9.7%
Return on assets0.9%0.8%1.2%0.5%0.1%0.3%0.5%0.9%

Source: XBRL data Pioneer Bancorp Inc. files with the SEC, latest filing dated Aug 10, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

PBFS peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
PBFS$101.99M-$16.85M16.5%$455.8M
FLG$2.09B-6.4%$48.00M2.3%$4.36B
BBT$887.69M+93.0%$159.79M18.0%$2.56B
HFWA$294.09M+30.2%$77.90M26.5%$1.16B
NBBK$283.44M+43.2%$66.95M23.6%$968.0M
SMBC$200.65M+9.9%$71.84M35.8%$776.0M
TCBX$248.00M+24.8%$75.26M30.3%$646.4M
GCBC$92.58M+22.9%$41.02M44.3%$615.0M

PBFS FAQ

6 questions
  • What is PBFS revenue?
    Pioneer Bancorp Inc. (PBFS) reported $101.99M of revenue for the twelve months ended Jun 30, 2026. Revenue for fiscal 2025 was $96.29M.
  • Is PBFS profitable?
    Yes. Pioneer Bancorp Inc. earned $16.85M in net income for the twelve months ended Jun 30, 2026, a net margin of 16.5%.
  • How much cash and debt does PBFS have?
    Pioneer Bancorp Inc. reported $94.57M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • What is PBFS earnings per share?
    Diluted earnings per share were $0.70 for the twelve months ended Jun 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did PBFS last report financial results?
    The latest statements here come from Pioneer Bancorp Inc.'s 10-Q filed on Aug 10, 2026, covering the period ended Jun 30, 2026.
  • Where does this PBFS financial data come from?
    Quantisnow builds these statements from the structured XBRL data Pioneer Bancorp Inc. files with the SEC. It is provided for information only and is not investment advice.