Pioneer Bancorp, Inc. (PBFS)

Pioneer Bancorp Cash Flow 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	Sep 30, 2025	Dec 31, 2024	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021
Net Income	20.79	19.2	15.26	21.95	10.28	1.08
Depreciation & Amortization	2.38	2.51	2.6	2.7	2.74	2.86
Gain (Loss) on Sale of Assets	2.13	2.33	0.23	-	-0.28	-0.01
Gain (Loss) on Sale of Investments	-4.58	-3.02	3.05	-0.32	1.68	-1.06
Provision for Credit Losses	3.62	0.44	2.7	-	-0.55	4.05
Net Decrease (Increase) in Loans Originated / Sold - Operating	3.23	6.05	0.09	0.1	0.11	0.32
Accrued Interest Receivable	-2.07	-0.76	-0.37	-2.57	-0.58	-0.58
Change in Other Net Operating Assets	-0.21	4.3	-0.48	3.35	35.23	26.67
Other Operating Activities	-2.86	0.79	0.13	0.56	0.76	-1.17
Operating Cash Flow	24.89	33.71	23.85	26.27	49.97	32.65
Operating Cash Flow Growth	86.91%	41.34%	-9.22%	-47.43%	53.02%	1512.49%
Capital Expenditures	-3.18	-1.51	-0.84	-0.45	-0.78	-0.6
Sale of Property, Plant and Equipment	4.5	4.5	-	-	1.19	0.17
Cash Acquisitions	-	-	-1.98	-	-1.66	-
Investment in Securities	-134.37	-124.75	187.07	46.24	-246.04	-186.47
Net Decrease (Increase) in Loans Originated / Sold - Investing	-231.06	-186.95	-200.06	-161.7	99.13	62
Other Investing Activities	1.42	-3.47	-2.35	1.04	0.12	-0.21
Investing Cash Flow	-362.6	-311.8	-18.05	-114.87	-148.03	-125.11
Total Debt Issued	80	80	-	-	-	-
Long-Term Debt Repaid	-	-	-0.1	-0.11	-	-
Total Debt Repaid	-40.11	-0.11	-0.1	-0.11	-	-
Net Debt Issued (Repaid)	39.89	79.89	-0.1	-0.11	-	-
Repurchase of Common Stock	-15.02	-6.29	-1.08	-	-	-
Net Increase (Decrease) in Deposit Accounts	223.7	68.65	10.21	-136.13	149.16	260.51
Other Financing Activities	-1.5	-1.5	-0.12	-0.73	-	-
Financing Cash Flow	247.07	140.76	8.91	-136.98	149.16	260.51
Net Cash Flow	-90.65	-137.34	14.71	-225.58	51.1	168.06
Free Cash Flow	21.71	32.2	23.01	25.82	49.19	32.06
Free Cash Flow Growth	70.50%	39.95%	-10.88%	-47.51%	53.44%	9855.59%
Free Cash Flow Margin	23.67%	36.54%	31.01%	32.40%	86.29%	59.90%
Free Cash Flow Per Share	0.88	1.28	0.91	1.03	1.96	1.28
Cash Interest Paid	36.44	26.71	21.75	5.44	1.46	2.12
Cash Income Tax Paid	10.65	5.4	5	4.8	1.5	2

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

SEC Filings: 10-K · 10-Q