Pioneer Bancorp Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2025	FY 2024	FY 2023	FY 2023
Period Ending	Dec '25 Dec 31, 2025	Sep '25 Sep 30, 2025	Jun '24 Jun 30, 2024	Dec '23 Dec 31, 2023	Jun '23 Jun 30, 2023
Net Income	20.29	20.29	15.26	15.26	21.95
Depreciation & Amortization	1.9	1.9	2.6	2.6	2.7
Provision for Credit Losses	3.7	3.7	2.7	2.7	-
Stock-Based Compensation	1.89	1.89	0.63	0.63	1.37
Net Change in Loans Held-for-Sale	2.64	2.64	0.1	0.1	0.1
Other Adjustments	-5.59	-7.45	3.41	-2.05	-3.19
Changes in Accrued Interest and Accounts Receivable	-0.95	-0.95	-0.37	-0.37	3.75
Changes in Other Operating Activities	-12.75	-12.75	-0.48	-0.45	-0.43
Operating Cash Flow	11.12	11.12	23.85	23.05	26.27
Operating Cash Flow Growth	-	-53.38%	3.47%	-12.26%	-
Net Change in Loans Held-for-Investment	-218.56	-218.56	-200.06	-200.06	-161.7
Net Change in Securities and Investments	93.76	93.76	184.72	184.72	46.14
Payments for Business Acquisitions	-0.48	-	-1.98	-1.98	-
Capital Expenditures	-2.32	-2.32	-0.84	-0.84	-0.45
Sale of Property, Plant & Equipment	0.66	0.66	0.11	0.11	-
Other Investing Activities	1.14	1.14	-	-	1.14
Investing Cash Flow	-125.79	-125.79	-18.05	-18.05	-114.87
Net Change in Deposits	154.03	154.03	10.21	10.21	-136.13
Long-Term Debt Issued	10	-	-	-	-
Long-Term Debt Repaid	0.09	0.09	0.1	0.1	0.11
Net Long-Term Debt Issued (Repaid)	10.09	0.09	0.1	0.1	0.11
Issuance of Common Stock	0.08	-	-	-	-
Repurchase of Common Stock	11.29	11.29	1.08	1.08	-
Net Common Stock Issued (Repurchased)	11.37	11.29	1.08	1.08	-
Other Financing Activities	-0.75	-0.75	-0.12	-0.12	-0.73
Financing Cash Flow	151.83	151.83	8.91	8.91	-136.98
Net Cash Flow	37.15	37.15	14.71	14.71	-225.58
Free Cash Flow	8.8	8.8	23.01	22.21	25.82
Free Cash Flow Growth	-	-61.75%	3.60%	-13.98%	-
FCF Margin	9.50%	9.50%	28.71%	27.82%	32.40%
Free Cash Flow Per Share	0.36	0.36	0.91	0.88	1.03
Levered Free Cash Flow	16.25	6.26	16.28	16.31	27.64
Unlevered Free Cash Flow	-14.12	-14.12	0.92	0.95	5.58

Updated Jan 30, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q