Pioneer Bancorp, Inc. (PBFS)

Pioneer Bancorp Income Statement

Financials in millions USD. Fiscal year is July - June.

Year	2023	2022	2021	2020	2019
Revenue	79.69	57	53.52	57.68	45.94
Revenue Growth (YoY)	39.80%	6.51%	-7.22%	25.57%	-15.14%
Gross Profit	79.69	57	53.52	57.68	45.94
Selling, General & Admin	40.06	37.71	37.12	35.03	32.39
Other Operating Expenses	11.78	5.95	13.74	16.65	5.5
Operating Expenses	51.83	43.66	50.86	51.69	37.89
Operating Income	27.86	13.34	2.66	6	8.05
Pretax Income	27.86	13.34	2.66	6	8.05
Income Tax	5.91	3.06	1.58	0.8	0.74
Net Income	21.95	10.28	1.08	5.2	7.31
Net Income Growth	113.52%	854.41%	-79.28%	-28.88%	-36.44%
Shares Outstanding (Basic)	25	25	25	25	26
Shares Outstanding (Diluted)	25	25	25	25	-
Shares Change	0.15%	0.25%	0.22%	-3.71%	-
EPS (Basic)	0.87	0.41	0.04	0.21	-
EPS (Diluted)	0.87	0.41	0.04	0.21	-
EPS Growth	112.20%	925.00%	-80.95%	-	-
Free Cash Flow	25.82	50.38	32.22	0.46	4.46
Free Cash Flow Per Share	1.03	2.00	1.28	0.02	0.17
Gross Margin	100.00%	100.00%	100.00%	100.00%	100.00%
Operating Margin	34.95%	23.40%	4.97%	10.39%	17.52%
Profit Margin	27.54%	18.03%	2.01%	9.01%	15.91%
Free Cash Flow Margin	32.40%	88.38%	60.21%	0.80%	9.71%
Effective Tax Rate	21.21%	22.93%	59.51%	13.29%	9.16%
EBITDA	30.55	16.08	5.52	8.9	10.86
EBITDA Margin	38.34%	28.21%	10.31%	15.43%	23.64%
Depreciation & Amortization	2.7	2.74	2.86	2.91	2.81
EBIT	27.86	13.34	2.66	6	8.05
EBIT Margin	34.95%	23.40%	4.97%	10.39%	17.52%

Source: Financials are provided by Nasdaq Data Link and sourced from the audited annual (10-K) and quarterly (10-Q) reports submitted to the Securities and Exchange Commission (SEC).