Pioneer Bancorp, Inc. (PBFS)

Income Statement (Annual)

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

Millions USD. Fiscal year is Jul - Jun.

Year	2021	2020	2019	2018	2017
Revenue	53.52	57.68	45.94	54.13	43.71
Revenue Growth (YoY)	-7.22%	25.57%	-15.14%	23.84%	-
Gross Profit	53.52	57.68	45.94	54.13	43.71
Selling, General & Admin	37.12	35.03	32.39	30.8	30.42
Other Operating Expenses	13.74	16.65	5.5	5.52	4.95
Operating Expenses	50.86	51.69	37.89	36.33	35.37
Operating Income	2.66	6	8.05	17.81	8.35
Pretax Income	2.66	6	8.05	17.81	8.35
Income Tax	1.58	0.8	0.74	6.31	2.72
Net Income	1.08	5.2	7.31	11.5	5.63
Net Income Common	1.08	5.2	7.31	11.5	5.63
Net Income Growth	-79.28%	-28.88%	-36.44%	104.21%	-
Shares Outstanding (Basic)	25	25	26	-	-
Shares Outstanding (Diluted)	25	25	-	-	-
Shares Change	0.22%	-	-	-	-
EPS (Basic)	0.04	0.21	-	-	-
EPS (Diluted)	0.04	0.21	-	-	-
EPS Growth	-80.95%	-	-	-	-
Free Cash Flow Per Share	1.28	0.02	0.17	-	-
Gross Margin	100.00%	100.00%	100.00%	100.00%	100.00%
Operating Margin	4.97%	10.39%	17.52%	32.90%	19.09%
Profit Margin	2.01%	9.01%	15.91%	21.24%	12.88%
Free Cash Flow Margin	60.21%	0.80%	9.71%	27.82%	5.72%
Effective Tax Rate	59.51%	13.29%	9.16%	35.43%	32.53%
EBITDA	5.52	8.9	10.86	20.45	10.31
EBITDA Margin	10.31%	15.43%	23.64%	37.77%	23.58%
Depreciation & Amortization	2.86	2.91	2.81	2.64	1.96
EBIT	2.66	6	8.05	17.81	8.35
EBIT Margin	4.97%	10.39%	17.52%	32.90%	19.09%

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).