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	Mar 31, 2025	Dec 31, 2024	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021
Interest Income on Loans	85.98	83.55	72.38	55.23	39.56	42.39
Interest Income on Investments	14.42	14.12	15.94	15.8	4.29	1.53
Total Interest Income	100.4	97.66	88.32	71.03	43.84	43.93
Interest Paid on Deposits	26.83	25.95	20.67	4.62	1.37	2.03
Interest Paid on Borrowings	0.88	0.78	1.13	0.87	0.1	0.08
Total Interest Expense	27.71	26.72	21.8	5.49	1.46	2.11
Net Interest Income	72.69	70.94	66.51	65.54	42.38	41.82
Net Interest Income Growth (YoY)	10.93%	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	-0.06	0.33	-4.91	0.37	0	1.82
Other Non-Interest Income	17.17	17.29	15.29	13.77	13.8	13.92
Total Non-Interest Income	17.11	17.62	10.38	14.15	14.07	15.75
Non-Interest Income Growth (YoY)	73.89%	69.73%	-26.63%	0.53%	-10.64%	0.43%
Revenues Before Loan Losses	89.8	88.56	76.89	79.69	56.45	57.57
Provision for Loan Losses	1.16	0.44	2.7	-	-0.55	4.05
Revenue	88.64	88.12	74.19	79.69	57	53.52
Revenue Growth (YoY)	21.19%	18.77%	-6.90%	39.80%	6.51%	-7.22%
Salaries and Employee Benefits	30.38	29.85	28.6	26.91	25.27	25.8
Occupancy Expenses	8.98	8.94	6.57	6.42	6.17	5.75
Federal Deposit Insurance	0.91	0.95	1.09	0.86	0.77	1.44
Selling, General & Administrative	14.54	15.47	17.87	11.46	9.78	9.24
Other Non-Interest Expense	7.65	8.08	6.61	6.18	5.51	4.13
Total Non-Interest Expense	62.46	63.3	60.73	51.83	47.49	46.36
EBT Excluding Unusual Items	26.18	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	26.18	24.82	19.41	27.86	13.34	2.66
Income Tax Expense	5.94	5.62	4.15	5.91	3.06	1.58
Net Income	20.24	19.2	15.26	21.95	10.28	1.08
Net Income to Common	20.24	19.2	15.26	21.95	10.28	1.08
Net Income Growth	27.83%	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)	-0.71%	-0.50%	0.21%	0.15%	0.25%	0.22%
EPS (Basic)	0.81	0.77	0.61	0.87	0.41	0.04
EPS (Diluted)	0.80	0.76	0.61	0.87	0.41	0.04
EPS Growth	27.31%	25.47%	-30.38%	112.71%	922.53%	-80.75%
Effective Tax Rate	22.68%	22.65%	21.38%	21.21%	22.93%	59.51%

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

SEC Filings: 10-K · 10-Q