Pioneer Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Net Interest Income	80.81	79.15	66.51	65.54	42.38	41.82
Net Interest Income Growth	12.63%	19.00%	1.48%	54.66%	1.34%	-14.29%
Non-Interest Income	12.48	17.14	16.33	14.15	14.07	15.75
Non-Interest Income Growth	8.24%	4.96%	15.42%	0.53%	-10.64%	0.43%
Revenues Before Loan Losses	93.3	96.29	82.84	79.69	56.45	57.57
Provision for Credit Losses	3.68	3.7	2.7	-	-0.55	4.05
Revenue	89.62	92.59	80.14	79.69	57	53.52
Revenue Growth (YoY)	9.95%	15.53%	0.57%	39.80%	6.51%	-7.22%
Compensation Expenses	25.81	33.95	29.23	27.42	25.86	26.33
Selling, General & Admin	17.89	21.12	23.81	17.37	15.37	14.45
Other Non-Interest Expenses	6.77	11.04	7.7	7.04	2.44	10.07
Total Non-Interest Expense	69.64	66.1	60.73	51.83	43.66	50.86
Pretax Income	24.78	26.49	19.41	27.86	13.34	2.66
Provision for Income Taxes	4.96	6.2	4.15	5.91	3.06	1.58
Net Income	19.82	20.29	15.26	21.95	10.28	1.08
Net Income to Common	19.82	20.29	15.26	21.95	10.28	1.08
Net Income Growth	2.71%	32.94%	-30.47%	113.52%	854.41%	-79.28%
Shares Outstanding (Basic)	24	24	25	25	25	25
Shares Outstanding (Diluted)	24	25	25	25	25	25
Shares Change (YoY)	-2.54%	-2.60%	0.21%	0.15%	0.25%	0.22%
EPS (Basic)	0.82	0.83	0.61	0.87	0.41	0.04
EPS (Diluted)	0.81	0.83	0.61	0.87	0.41	0.04
EPS Growth	5.20%	36.07%	-29.89%	112.19%	925.00%	-80.95%
Shares Outstanding	25.08	25.07	26.26	25.98	25.98	25.98
Free Cash Flow	-	8.8	23.01	25.82	49.19	32.06
Free Cash Flow Growth	-	-61.75%	-10.88%	-47.51%	53.44%	9855.59%
Free Cash Flow Per Share	-	0.36	0.91	1.03	1.96	1.28
Profit Margin	22.11%	21.91%	19.04%	27.54%	18.03%	2.01%
FCF Margin	-	9.50%	28.71%	32.40%	86.29%	59.90%
EBITDA	-	1.9	2.6	2.7	2.74	2.86
EBITDA Margin	-	2.05%	3.24%	3.39%	4.81%	5.34%
Effective Tax Rate	20.03%	23.41%	21.38%	21.21%	22.93%	59.51%

SEC Filings: 10-K · 10-Q