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Pioneer Bancorp, Inc. (PBFS)
NASDAQ: PBFS · Real-Time Price · USD
18.02
+0.56 (3.21%)
Sep 1, 2026, 4:00 PM EDT - Market closed

Pioneer Bancorp Cash Flow Statement

Millions USD. Fiscal year is Jan - Dec.

Operating Activities

Fiscal Year
TTMFY 2025FY 2024FY 2024FY 2023FY 2022
Period Ending
Jun '26 Dec '25 Dec '24 Jun '24 Jun '23 Jun '22
Net Income
16.8520.2918.2515.2621.9510.28
Depreciation & Amortization
2.41.92.532.62.72.74
Gain (Loss) on Sale of Assets
-0.04-0.061.40.23--0.28
Gain (Loss) on Sale of Investments
-2.54-4.79-2.943.05-0.321.68
Total Asset Writedown
22----
Provision for Credit Losses
3.483.71.052.7--0.55
Net Decrease (Increase) in Loans Originated / Sold - Operating
5.132.693.020.090.10.11
Accrued Interest Receivable
-0.36-0.95-0.26-0.37-2.57-0.58
Change in Other Net Operating Assets
16.98-12.754.42-0.483.3535.23
Other Operating Activities
0.37-2.740.390.130.560.76
Operating Cash Flow
24.0711.1229.223.8526.2749.97
Operating Cash Flow Growth
30.89%-61.93%22.45%-9.22%-47.43%53.02%

Investing Activities

Fiscal Year
TTMFY 2025FY 2024FY 2024FY 2023FY 2022
Period Ending
Jun '26 Dec '25 Dec '24 Jun '24 Jun '23 Jun '22
Capital Expenditures
-1.5-2.32-1.06-0.84-0.45-0.78
Sale of Property, Plant and Equipment
0.24-2.25--1.19
Cash Acquisitions
-141.82-0.48--1.98--1.66
Investment in Securities
88.1694.574.89187.0746.24-246.04
Net Decrease (Increase) in Loans Originated / Sold - Investing
-214.65-218.56-174.5-200.06-161.799.13
Other Investing Activities
-0.410.34-4.04-2.351.040.12
Investing Cash Flow
-269.32-125.79-172.15-18.05-114.87-148.03

Financing Activities

Fiscal Year
TTMFY 2025FY 2024FY 2024FY 2023FY 2022
Period Ending
Jun '26 Dec '25 Dec '24 Jun '24 Jun '23 Jun '22
Long-Term Debt Issued
-10----
Total Debt Issued
101040---
Long-Term Debt Repaid
--0.09--0.1-0.11-
Total Debt Repaid
-10.04-0.09-0.11-0.1-0.11-
Net Debt Issued (Repaid)
-0.049.9139.9-0.1-0.11-
Issuance of Common Stock
0.120.08----
Repurchase of Common Stock
-10.04-11.44-4.22-1.08--
Net Increase (Decrease) in Deposit Accounts
228.46154.0364.9210.21-136.13149.16
Other Financing Activities
-0.75-0.75-0.75-0.12-0.73-
Financing Cash Flow
217.75151.8399.848.91-136.98149.16

Net Cash Flow

Fiscal Year
TTMFY 2025FY 2024FY 2024FY 2023FY 2022
Period Ending
Jun '26 Dec '25 Dec '24 Jun '24 Jun '23 Jun '22
Net Cash Flow
-27.537.15-43.1114.71-225.5851.1

Free Cash Flow

Fiscal Year
TTMFY 2025FY 2024FY 2024FY 2023FY 2022
Period Ending
Jun '26 Dec '25 Dec '24 Jun '24 Jun '23 Jun '22
Free Cash Flow
22.578.828.1423.0125.8249.19
Free Cash Flow Growth
43.19%-68.73%22.32%-10.88%-47.51%53.44%
Free Cash Flow Margin
22.91%9.50%32.85%31.01%32.40%86.29%
Free Cash Flow Per Share
0.930.361.120.911.031.96

Additional Metrics

Fiscal Year
TTMFY 2025FY 2024FY 2024FY 2023FY 2022
Period Ending
Jun '26 Dec '25 Dec '24 Jun '24 Jun '23 Jun '22
Cash Interest Paid
32.3430.0219.221.755.441.46
Cash Income Tax Paid
7.759.252.754.81.5
SEC Filings: 10-K · 10-Q