Pioneer Bancorp, Inc. (PBFS)

Pioneer Bancorp Cash Flow Statement

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

Fiscal Year	FY 2024	FY 2024	FY 2023	FY 2022
Period Ending	Dec 31, 2024	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022
Net Income	19.2	15.26	21.95	10.28
Depreciation & Amortization	2.51	2.6	2.7	2.74
Gain (Loss) on Sale of Assets	2.33	0.23	-	-0.28
Gain (Loss) on Sale of Investments	-3.02	3.05	-0.32	1.68
Provision for Credit Losses	0.44	2.7	-	-0.55
Net Decrease (Increase) in Loans Originated / Sold - Operating	6.05	0.09	0.1	0.11
Accrued Interest Receivable	-0.76	-0.37	-2.57	-0.58
Change in Other Net Operating Assets	4.3	-0.48	3.35	35.23
Other Operating Activities	0.79	0.13	0.56	0.76
Operating Cash Flow	33.71	23.85	26.27	49.97
Operating Cash Flow Growth	41.34%	-9.22%	-47.43%	53.02%
Capital Expenditures	-1.51	-0.84	-0.45	-0.78
Sale of Property, Plant and Equipment	4.5	-	-	1.19
Cash Acquisitions	-	-1.98	-	-1.66
Investment in Securities	-124.75	187.07	46.24	-246.04
Net Decrease (Increase) in Loans Originated / Sold - Investing	-186.95	-200.06	-161.7	99.13
Other Investing Activities	-3.47	-2.35	1.04	0.12
Investing Cash Flow	-311.8	-18.05	-114.87	-148.03
Total Debt Issued	80	-	-	-
Long-Term Debt Repaid	-	-0.1	-0.11	-
Total Debt Repaid	-0.11	-0.1	-0.11	-
Net Debt Issued (Repaid)	79.89	-0.1	-0.11	-
Repurchase of Common Stock	-6.29	-1.08	-	-
Net Increase (Decrease) in Deposit Accounts	68.65	10.21	-136.13	149.16
Other Financing Activities	-1.5	-0.12	-0.73	-
Financing Cash Flow	140.76	8.91	-136.98	149.16
Net Cash Flow	-137.34	14.71	-225.58	51.1
Free Cash Flow	32.2	23.01	25.82	49.19
Free Cash Flow Growth	39.95%	-10.88%	-47.51%	53.44%
Free Cash Flow Margin	36.54%	31.01%	32.40%	86.29%
Free Cash Flow Per Share	1.28	0.91	1.03	1.96
Cash Interest Paid	26.71	21.75	5.44	1.46
Cash Income Tax Paid	5.4	5	4.8	1.5

Updated Jan 30, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q