Pioneer Bancorp Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Net Income	19.81	20.29	15.26	21.95	10.28	1.08
Depreciation & Amortization	1.92	1.9	2.6	2.7	2.74	2.86
Provision for Credit Losses	3.68	3.7	2.7	-	-0.55	4.05
Stock-Based Compensation	1.93	1.89	0.63	1.37	0.58	0.53
Net Change in Loans Held-for-Sale	-	2.64	0.1	0.1	0.11	0.29
Other Adjustments	-7.59	-5.59	3.41	-3.19	2.15	-2.24
Changes in Accrued Interest and Accounts Receivable	-1.13	-0.95	-0.37	3.75	-0.58	-0.58
Changes in Other Operating Activities	0.04	-12.75	-0.48	-0.43	35.23	26.47
Operating Cash Flow	14.48	11.12	23.85	26.27	49.97	32.65
Operating Cash Flow Growth	15.71%	-53.38%	-9.22%	-47.43%	53.02%	1512.49%
Net Change in Loans Held-for-Investment	-220.42	-218.56	-200.06	-161.7	99.13	62
Net Change in Securities and Investments	102.62	93.76	184.72	46.14	-245.91	-186.68
Cash Acquisitions	-	-0.48	-1.98	-	-1.66	-
Capital Expenditures	-1.59	-2.32	-0.84	-0.45	-0.78	-0.6
Sale of Property, Plant & Equipment	-	0.66	0.11	-	1.19	0.17
Other Investing Activities	-	1.14	-	1.14	-	-
Investing Cash Flow	-118.06	-125.79	-18.05	-114.87	-148.03	-125.11
Net Change in Deposits	131.46	154.03	10.21	-136.13	149.16	260.51
Long-Term Debt Issued	-	10	-	-	-	-
Long-Term Debt Repaid	0.07	0.09	0.1	0.11	-	-
Net Long-Term Debt Issued (Repaid)	0.07	10.09	0.1	0.11	-	-
Issuance of Common Stock	-	0.08	-	-	-	-
Repurchase of Common Stock	9.72	11.29	1.08	-	-	-
Net Common Stock Issued (Repurchased)	9.72	11.37	1.08	-	-	-
Other Financing Activities	-	-0.75	-0.12	-0.73	-	-
Financing Cash Flow	120.89	151.83	8.91	-136.98	149.16	260.51
Net Cash Flow	17.31	37.15	14.71	-225.58	51.1	168.06
Free Cash Flow	12.89	8.8	23.01	25.82	49.19	32.06
Free Cash Flow Growth	8.07%	-61.75%	-10.88%	-47.51%	53.44%	9855.59%
FCF Margin	13.66%	9.50%	28.71%	32.40%	86.29%	59.90%
Free Cash Flow Per Share	0.53	0.36	0.91	1.03	1.96	1.28

SEC Filings: 10-K · 10-Q