Pioneer Bancorp, Inc. (PBFS)

Pioneer Bancorp Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2025	Dec 31, 2024	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021
Interest Income on Loans	93.64	83.55	72.38	55.23	39.56	42.39
Interest Income on Investments	14.12	14.12	15.94	15.8	4.29	1.53
Total Interest Income	107.75	97.66	88.32	71.03	43.84	43.93
Interest Paid on Deposits	29.57	25.95	20.67	4.62	1.37	2.03
Interest Paid on Borrowings	0.78	0.78	1.13	0.87	0.1	0.08
Total Interest Expense	30.35	26.72	21.8	5.49	1.46	2.11
Net Interest Income	77.41	70.94	66.51	65.54	42.38	41.82
Net Interest Income Growth (YoY)	12.97%	6.66%	1.48%	54.66%	1.34%	-14.29%
Gain (Loss) on Sale of Assets	-	-	-	-	0.28	0.01
Gain (Loss) on Sale of Investments	0.33	0.33	-4.91	0.37	0	1.82
Other Non-Interest Income	17.59	17.29	15.29	13.77	13.8	13.92
Total Non-Interest Income	17.92	17.62	10.38	14.15	14.07	15.75
Non-Interest Income Growth (YoY)	64.08%	69.73%	-26.63%	0.53%	-10.64%	0.43%
Revenues Before Loan Losses	95.33	88.56	76.89	79.69	56.45	57.57
Provision for Loan Losses	3.62	0.44	2.7	-	-0.55	4.05
Revenue	91.72	88.12	74.19	79.69	57	53.52
Revenue Growth (YoY)	17.04%	18.77%	-6.90%	39.80%	6.51%	-7.22%
Salaries and Employee Benefits	29.85	29.85	28.6	26.91	25.27	25.8
Occupancy Expenses	8.94	8.94	6.57	6.42	6.17	5.75
Federal Deposit Insurance	0.95	0.95	1.09	0.86	0.77	1.44
Selling, General & Administrative	15.47	15.47	17.87	11.46	9.78	9.24
Other Non-Interest Expense	9.8	8.08	6.61	6.18	5.51	4.13
Total Non-Interest Expense	65.01	63.3	60.73	51.83	47.49	46.36
EBT Excluding Unusual Items	26.7	24.82	13.46	27.86	9.51	7.16
Legal Settlements	-	-	5.95	-	-1.2	-4.5
Other Unusual Items	-	-	-	-	5.03	-
Pretax Income	26.7	24.82	19.41	27.86	13.34	2.66
Income Tax Expense	5.92	5.62	4.15	5.91	3.06	1.58
Net Income	20.79	19.2	15.26	21.95	10.28	1.08
Net Income to Common	20.79	19.2	15.26	21.95	10.28	1.08
Net Income Growth	14.54%	25.82%	-30.47%	113.52%	854.41%	-79.28%
Basic Shares Outstanding	25	25	25	25	25	25
Diluted Shares Outstanding	25	25	25	25	25	25
Shares Change (YoY)	-2.39%	-0.50%	0.21%	0.15%	0.25%	0.22%
EPS (Basic)	0.85	0.77	0.61	0.87	0.41	0.04
EPS (Diluted)	0.84	0.76	0.61	0.87	0.41	0.04
EPS Growth	16.64%	25.47%	-30.38%	112.71%	922.53%	-80.75%
Effective Tax Rate	22.16%	22.65%	21.38%	21.21%	22.93%	59.51%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q