Pioneer Bancorp, Inc. (PBFS) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 13, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 10, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the PBFS SEC filings page.
Pioneer Bancorp, Inc. (PBFS) reported $102.0M in revenue over the twelve months to Jun 30, 2026. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 8 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Pioneer’s earnings recovered in FY2025, but weaker cash conversion and heavier liability funding show growth remains costly to finance.
Net income rose to$20.3M in FY2025, while operating cash flow fell to$11.1M . That divergence means reported earnings translated into less operating cash than in FY2024, a weaker cash-conversion pattern despite higher profit.
Assets expanded to
Interest expense rose to
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Pioneer Bancorp, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Pioneer Bancorp, Inc. earned a return on assets of 0.9% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.8% the prior year. Earnings ranks banks on that return over three years, and Pioneer Bancorp, Inc. scores 57/100 among other banks.
Pioneer Bancorp, Inc. reported revenue of $96.3M in fiscal year 2025, against $82.8M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Pioneer Bancorp, Inc. scores 59/100 among other banks.
Pioneer Bancorp, Inc. funded 15.1% of its assets with shareholders' equity at the end of fiscal year 2025, holding $323.9M of equity against $2.2B of assets. Capital ranks banks on that cushion, and Pioneer Bancorp, Inc. scores 79/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Pioneer Bancorp, Inc. scores 32/100 on it among other banks.
Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Pioneer Bancorp, Inc. scores 47/100 on it among other banks.
Pioneer Bancorp, Inc. reported net income of $20.3M in fiscal year 2025, against $15.3M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Pioneer Bancorp, Inc. scores 48/100 among other banks.
Pioneer Bancorp, Inc. passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Pioneer Bancorp, Inc. generates $0.55 in operating cash flow ($11.1M OCF vs $20.3M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.
Key Financial Metrics
Earnings & Revenue
Pioneer Bancorp, Inc. generated $28.3M in revenue in Q2 2026. This represents an increase of 16.0% from the same quarter a year earlier. Against the prior quarter it is up 15.1%.
Pioneer Bancorp, Inc. reported $3.5M in net income in Q2 2026. This represents a decrease of 46.0% from the same quarter a year earlier. Against the prior quarter it is down 34.1%.
Pioneer Bancorp, Inc. earned $0.14 per diluted share (EPS) in Q2 2026. This represents a decrease of 46.2% from the same quarter a year earlier. Against the prior quarter it is down 36.4%.
Not reported for Q2 2026.
Cash & Balance Sheet
Pioneer Bancorp, Inc. held $94.6M in cash as of Q2 2026; long-term debt is not reported for that period.
Not reported for Q2 2026.
Not reported for Q2 2026.
Margins & Returns
Pioneer Bancorp, Inc.'s net profit margin was 12.3% in Q2 2026, showing the share of revenue converted to profit. This is down 14.1 percentage points from the same quarter a year earlier. Against the prior quarter it is down 9.2 percentage points.
Pioneer Bancorp, Inc.'s ROE was 1.1% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 1.0 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.5 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
None of these metrics is reported for Q2 2026.
PBFS Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $28.3M+16.0% | $24.6M+7.9% | $25.0M | $24.0M+9.1% | $24.4M+16.9% | $22.8M+5.8% | N/A | $22.0M+13.1% |
| SG&A Expenses | $10.0M+17.1% | $8.7M+5.4% | $8.6M | $8.6M+11.6% | $8.5M+14.1% | $8.3M+12.3% | N/A | $7.7M+10.7% |
| Interest Expense | $9.0M+21.9% | $7.6M+12.7% | $8.1M | $8.1M+24.7% | $7.4M+16.3% | $6.8M+17.0% | N/A | $6.5M+51.9% |
| Income Tax | $1.3M-22.8% | $416K-74.8% | $1.6M | $1.3M-32.3% | $1.7M+53.3% | $1.7M+23.7% | N/A | $1.9M+112.1% |
| Net Income | $3.5M-46.0% | $5.3M-8.2% | $3.7M | $4.3M-31.4% | $6.5M+64.1% | $5.8M+22.1% | N/A | $6.3M+84.5% |
| EPS (Basic) | $0.14-46.2% | $0.22-4.3% | $0.16 | $0.18-28.0% | $0.26+62.5% | $0.23+21.1% | N/A | $0.25+78.6% |
| EPS (Diluted) | $0.14-46.2% | $0.22-4.3% | $0.16 | $0.18-28.0% | $0.26+62.5% | $0.23+21.1% | N/A | $0.25+78.6% |
| Diluted Shares (Avg) | 24M-1.0% | 24M-2.4% | N/A | 25M-2.2% | 25M-2.5% | 25M-1.1% | N/A | 25M-0.2% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
PBFS Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.4B+12.7% | $2.2B+7.3% | $2.2B+8.6% | $2.2B+11.4% | $2.1B+10.6% | $2.1B+4.4% | $2.0B+6.8% | $2.0B+2.6% |
| Cash & Equivalents | $94.6M-22.5% | $156.9M+12.4% | $133.7M+38.5% | $228.6M+1.6% | $122.1M-26.1% | $139.6M-43.4% | $96.5M-30.9% | $225.0M+3.9% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $26.6M+144.1% | $9.6M-11.8% | $9.6M-11.8% | $10.9M0.0% | $10.9M0.0% | $10.9M0.0% | $10.9M0.0% | $10.9M0.0% |
| Total Liabilities | $2.0B+14.2% | $1.9B+7.6% | $1.8B+9.1% | $1.9B+12.8% | $1.8B+11.5% | $1.8B+3.9% | $1.7B+6.8% | $1.7B+1.1% |
| Total Equity | $328.3M+4.5% | $328.6M+5.8% | $323.9M+6.3% | $314.2M+3.4% | $314.2M+6.0% | $310.7M+7.5% | $304.6M+7.3% | $303.8M+11.8% |
| Retained Earnings | $208.2M+3.4% | $208.3M+5.0% | $203.0M+4.6% | $199.7M+3.6% | $201.4M+7.3% | $198.4M+7.3% | $194.2M+7.8% | $192.8M+9.0% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
PBFS Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $14.7M+189.4% | -$161K+95.4% | $5.7M-62.0% | $3.9M+104.3% | $5.1M-44.0% | -$3.5M-206.6% | $14.9M+1684.5% | $1.9M-84.6% |
| Depreciation & Amortization | $1.1M+79.2% | $608K+4.3% | $122K | $595K-5.4% | $600K-6.4% | $583K-8.8% | N/A | $629K-6.3% |
| Stock-Based Compensation | N/A | $360K+2.6% | N/A | N/A | N/A | $351K | N/A | $343K |
| Investing Cash Flow | -$194.9M-346.9% | -$37.9M+16.9% | $585K+100.6% | -$37.1M+37.4% | -$43.6M-1018.3% | -$45.7M-117.4% | -$96.6M-359.8% | -$59.3M-52.2% |
| Financing Cash Flow | $117.8M+461.5% | $61.4M-33.5% | -$101.1M-116.0% | $139.7M+19.2% | $21.0M+122.1% | $92.3M-25.9% | -$46.8M+58.6% | $117.2M+26.6% |
| Share Buybacks | N/A | N/A | $417K-78.4% | $6.0M+393.5% | $3.3M | $1.6M | $1.9M | $1.2M |
Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow, Dividends Paid.
PBFS Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 12.3%-14.1pp | 21.5%-3.8pp | 14.9% | 18.0%-10.6pp | 26.4%+7.6pp | 25.3%+3.4pp | N/A | 28.6%+11.1pp |
| Return on Equity | 1.1%-1.0pp | 1.6%-0.2pp | 1.2% | 1.4%-0.7pp | 2.1%+0.7pp | 1.8%+0.2pp | N/A | 2.1%+0.8pp |
| Return on Assets | 0.1%-0.2pp | 0.2%0.0pp | 0.2% | 0.2%-0.1pp | 0.3%+0.1pp | 0.3%0.0pp | N/A | 0.3%+0.1pp |
| Debt-to-Equity | 6.20+0.5x | 5.76+0.1x | 5.64+0.1x | 6.14+0.5x | 5.67+0.3x | 5.66-0.2x | 5.500.0x | 5.63-0.6x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.01 | 0.010.0x | 0.010.0x | 0.010.0x | N/A | 0.010.0x |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.
Where Pioneer Bancorp, Inc. Ranks
Frequently Asked Questions
What is Pioneer Bancorp, Inc.'s annual revenue?
Pioneer Bancorp, Inc. (PBFS) reported $96.3M in total revenue for fiscal year 2025. This represents a 16.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Pioneer Bancorp, Inc.'s revenue growing?
Pioneer Bancorp, Inc. (PBFS) revenue grew by 16.2% year-over-year, from $82.8M to $96.3M in fiscal year 2025.
Is Pioneer Bancorp, Inc. profitable?
Yes, Pioneer Bancorp, Inc. (PBFS) reported a net income of $20.3M in fiscal year 2025, with a net profit margin of 21.1%.
What is Pioneer Bancorp, Inc.'s net profit margin?
Pioneer Bancorp, Inc. (PBFS) had a net profit margin of 21.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Pioneer Bancorp, Inc.'s return on equity (ROE)?
Pioneer Bancorp, Inc. (PBFS) has a return on equity of 6.3% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Pioneer Bancorp, Inc.'s operating cash flow?
Pioneer Bancorp, Inc. (PBFS) generated $11.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Pioneer Bancorp, Inc.'s total assets?
Pioneer Bancorp, Inc. (PBFS) had $2.2B in total assets as of fiscal year 2025, including both current and long-term assets.
What is Pioneer Bancorp, Inc.'s debt-to-equity ratio?
Pioneer Bancorp, Inc. (PBFS) had a debt-to-equity ratio of 5.64 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Pioneer Bancorp, Inc.'s return on assets (ROA)?
Pioneer Bancorp, Inc. (PBFS) had a return on assets of 0.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Pioneer Bancorp, Inc.'s P/E ratio?
Pioneer Bancorp, Inc. (PBFS) trades at 25.3x earnings, its market capitalization divided by net income of $16.8M net income, trailing 12 months to June 30, 2026. The market capitalization is $425.6M as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Pioneer Bancorp, Inc.'s price-to-sales ratio?
Pioneer Bancorp, Inc. (PBFS) trades at 4.2x sales, its market capitalization divided by revenue of $102.0M revenue, trailing 12 months to June 30, 2026. The market capitalization is $425.6M as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Pioneer Bancorp, Inc.'s Piotroski F-Score?
Pioneer Bancorp, Inc. (PBFS) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Pioneer Bancorp, Inc.'s earnings high quality?
Pioneer Bancorp, Inc. (PBFS) has an earnings quality ratio of 0.55x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Pioneer Bancorp, Inc.?
Pioneer Bancorp, Inc. (PBFS) scores 54 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.