Pioneer Bancorp, Inc. (PBFS)
NASDAQ: PBFS · Real-Time Price · USD
13.83
+0.23 (1.69%)
Mar 30, 2026, 4:00 PM EDT - Market closed

Pioneer Bancorp Cash Flow Statement

Millions USD. Fiscal year is Jan - Dec.
Fiscal Year
FY 2025FY 2025FY 2024FY 2024FY 2023
Period Ending
Dec '25 Sep '25 Dec '24 Jun '24 Dec '23
Net Income
20.2920.2915.2615.2615.26
Depreciation & Amortization
1.91.92.62.62.6
Provision for Credit Losses
3.73.72.72.72.7
Stock-Based Compensation
1.891.890.630.630.63
Net Change in Loans Held-for-Sale
2.642.640.10.10.1
Other Adjustments
-5.59-6.96-2.053.41-2.05
Changes in Accrued Interest and Accounts Receivable
-0.95-0.95-0.37-0.37-0.37
Changes in Other Operating Activities
-12.75-12.75-0.45-0.48-0.45
Operating Cash Flow
11.1211.1223.0523.8523.05
Operating Cash Flow Growth
--51.76%-3.36%3.47%-12.26%
Net Change in Loans Held-for-Investment
-218.56-218.56-200.06-200.06-200.06
Net Change in Securities and Investments
93.76195.71110.26184.72110.26
Payments for Business Acquisitions
-0.48---1.98-
Capital Expenditures
-2.32-2.32-0.84-0.84-0.84
Sale of Property, Plant & Equipment
0.660.660.110.110.11
Other Investing Activities
1.14----
Investing Cash Flow
-125.79-125.79-18.05-18.05-18.05
Net Change in Deposits
154.03154.0310.2110.2110.21
Long-Term Debt Issued
10----
Long-Term Debt Repaid
0.090.090.10.10.1
Net Long-Term Debt Issued (Repaid)
10.090.090.10.10.1
Issuance of Common Stock
0.08----
Repurchase of Common Stock
11.2911.291.081.081.08
Net Common Stock Issued (Repurchased)
11.3711.291.081.081.08
Other Financing Activities
-0.75---0.12-
Financing Cash Flow
151.83151.838.918.918.91
Net Cash Flow
37.1537.1514.7114.7114.71
Free Cash Flow
8.88.822.2123.0122.21
Free Cash Flow Growth
--60.38%-3.48%3.60%-13.98%
FCF Margin
9.50%9.50%27.82%28.71%27.82%
Free Cash Flow Per Share
0.360.360.880.910.88
Levered Free Cash Flow
16.256.2516.3116.2816.31
Unlevered Free Cash Flow
-14.12-14.120.950.920.95
Updated Jan 30, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.
SEC Filings: 10-K · 10-Q