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Pioneer Bancorp, Inc. (PBFS)
NASDAQ: PBFS · Real-Time Price · USD
18.33
+0.18 (0.99%)
At close: Nov 13, 2026, 4:00 PM EST
18.32
-0.01 (-0.05%)
After-hours: Nov 13, 2026, 7:30 PM EST

Pioneer Bancorp Cash Flow Statement

Millions USD. Fiscal year is Jan - Dec.

Operating Activities

Fiscal Year
TTMFY 2025FY 2024FY 2024FY 2023FY 2022
Period Ending
Sep '26 Dec '25 Dec '24 Jun '24 Jun '23 Jun '22
Net Income
12.620.2918.2515.2621.9510.28
Depreciation & Amortization
3.121.92.532.62.72.74
Gain (Loss) on Sale of Assets
-0.04-0.061.40.23--0.28
Gain (Loss) on Sale of Investments
0.56-4.79-2.943.05-0.321.68
Total Asset Writedown
22----
Provision for Credit Losses
4.013.71.052.7--0.55
Net Decrease (Increase) in Loans Originated / Sold - Operating
13.62.693.020.090.10.11
Accrued Interest Receivable
-0.84-0.95-0.26-0.37-2.57-0.58
Change in Other Net Operating Assets
19.63-12.754.42-0.483.3535.23
Other Operating Activities
0.63-2.740.390.130.560.76
Operating Cash Flow
36.9611.1229.223.8526.2749.97
Operating Cash Flow Growth
81.33%-61.93%22.45%-9.22%-47.43%53.02%

Investing Activities

Fiscal Year
TTMFY 2025FY 2024FY 2024FY 2023FY 2022
Period Ending
Sep '26 Dec '25 Dec '24 Jun '24 Jun '23 Jun '22
Capital Expenditures
-2.28-2.32-1.06-0.84-0.45-0.78
Sale of Property, Plant and Equipment
0.5-2.25--1.19
Cash Acquisitions
-142.14-0.48--1.98--1.66
Investment in Securities
28.1494.574.89187.0746.24-246.04
Net Decrease (Increase) in Loans Originated / Sold - Investing
-218.26-218.56-174.5-200.06-161.799.13
Other Investing Activities
-3.790.34-4.04-2.351.040.12
Investing Cash Flow
-337.17-125.79-172.15-18.05-114.87-148.03

Financing Activities

Fiscal Year
TTMFY 2025FY 2024FY 2024FY 2023FY 2022
Period Ending
Sep '26 Dec '25 Dec '24 Jun '24 Jun '23 Jun '22
Long-Term Debt Issued
-10----
Total Debt Issued
351040---
Long-Term Debt Repaid
--0.09--0.1-0.11-
Total Debt Repaid
39.99-0.09-0.11-0.1-0.11-
Net Debt Issued (Repaid)
74.999.9139.9-0.1-0.11-
Issuance of Common Stock
0.170.08----
Repurchase of Common Stock
-4.04-11.44-4.22-1.08--
Net Increase (Decrease) in Deposit Accounts
236.4154.0364.9210.21-136.13149.16
Other Financing Activities
--0.75-0.75-0.12-0.73-
Financing Cash Flow
307.52151.8399.848.91-136.98149.16

Net Cash Flow

Fiscal Year
TTMFY 2025FY 2024FY 2024FY 2023FY 2022
Period Ending
Sep '26 Dec '25 Dec '24 Jun '24 Jun '23 Jun '22
Net Cash Flow
7.3137.15-43.1114.71-225.5851.1

Free Cash Flow

Fiscal Year
TTMFY 2025FY 2024FY 2024FY 2023FY 2022
Period Ending
Sep '26 Dec '25 Dec '24 Jun '24 Jun '23 Jun '22
Free Cash Flow
34.688.828.1423.0125.8249.19
Free Cash Flow Growth
96.47%-68.73%22.32%-10.88%-47.51%53.44%
Free Cash Flow Margin
33.64%9.50%32.85%31.01%32.40%86.29%
Free Cash Flow Per Share
1.420.361.120.911.031.96

Additional Metrics

Fiscal Year
TTMFY 2025FY 2024FY 2024FY 2023FY 2022
Period Ending
Sep '26 Dec '25 Dec '24 Jun '24 Jun '23 Jun '22
Cash Interest Paid
34.2730.0219.221.755.441.46
Cash Income Tax Paid
7.59.252.754.81.5
SEC Filings: 10-K · 10-Q