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Pioneer Bancorp, Inc. (PBFS)
NASDAQ: PBFS · Real-Time Price · USD
18.28
-0.26 (-1.40%)
At close: Sep 8, 2026, 4:00 PM EDT
18.34
+0.06 (0.33%)
After-hours: Sep 8, 2026, 7:30 PM EDT

Pioneer Bancorp Cash Flow Statement

Millions USD. Fiscal year is Jan - Dec.

Operating Activities

Fiscal Quarter
Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022
Period Ending
Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21
Net Income
3.485.293.744.336.455.763.296.313.934.723.193.424.516.026.185.232.360.36.261.36
Depreciation & Amortization
1.080.610.120.60.60.580.620.630.640.640.650.670.650.660.690.690.70.690.680.68
Gain (Loss) on Sale of Assets
0.03--0.07-001.2-0.030.29-0.05--------0.21-0.06-
Gain (Loss) on Sale of Investments
0.56-0.81-1.06-1.23-1.32-1.19-0.76-0.75-0.54-0.894.93-0.45-0.440.01-0.20.310.640.50.250.29
Total Asset Writedown
--2-----------------
Provision for Credit Losses
1.350.780.560.791.550.81.09-0.870.750.081.120.750.28--0.40.12-0.8--0.25
Net Decrease (Increase) in Loans Originated / Sold - Operating
2.44-2.69---0.22.82--0.09----0.1--0.11-
Change in Trading Asset Securities
-13.95-8.09------------------
Accrued Interest Receivable
0.45-0.620.36-0.54-0.33-0.44-0.27-0.110.13-0.01-0.550.070.96-0.63-1.63-1.27-0.23-0.28-0.240.18
Change in Other Net Operating Assets
15.753.6-3.110.73-1.19-9.199.57-7.423.09-0.82-10.527.777.14-3.69-2.992.8918.4322.07-7.922.65
Other Operating Activities
3.01-1.460.04-1.21-1.21-0.36-0.480.870.47-0.480.040.090.34-0.150.58-0.220.18-0.430.650.35
Operating Cash Flow
14.65-0.165.683.915.06-3.5314.941.919.043.31-0.9412.4413.552.372.387.9821.4122.77-0.115.9
Operating Cash Flow Growth (YoY)
189.37%--62.02%104.34%-44.00%-10.27%-19.30%280.51%-58.53%-56.01%-36.70%-89.60%-35.15%294.94%6.05%--

Investing Activities

Fiscal Quarter
Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022
Period Ending
Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21
Capital Expenditures
-0.42-0.64-0.22-0.23-0.51-1.37-0.63-0.12-0.2-0.1-0.16-0.37-0.28-0.09-0.01-0.07-0.13-0.13-0.35-0.17
Sale of Property, Plant and Equipment
0.24-----2.25----------0.920.27-
Cash Acquisitions
-141.34--0.48---------1.98------0.17-1.49-
Investment in Securities
-1.6316.1938.4535.1613.267.71-60.84-1.5339.4427.8398.6121.1969.759.198.05-40.74-66.06-65.8-60.45-53.72
Net Decrease (Increase) in Loans Originated / Sold - Investing
-51.58-55.53-35.67-71.87-57.34-53.67-35.72-57.75-32.36-48.66-61.26-57.77-58.23-38.11-28.08-37.29-14.9726.8855.5531.67
Other Investing Activities
-0.142.05-2.16-0.170.991.68-1.64-0.1-2.13-0.18-0.01-0.04-0.06-0.090.081.110.06-0.070.21-0.07
Investing Cash Flow
-194.87-37.930.59-37.11-43.61-45.65-96.58-59.324.75-2137.18-38.9711.18-29.1-19.97-76.99-81.11-38.36-6.27-22.3

Financing Activities

Fiscal Quarter
Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022
Period Ending
Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21
Total Debt Issued
--10---40-------------
Long-Term Debt Repaid
--50----40.02----0.03--0.03----0.03----
Total Debt Repaid
-0-5040-0.03-0.03-40.02-0.03-0.03-0.03-0.03-0.03-0.03-0.03-0.04-0.03-0.03----
Net Debt Issued (Repaid)
-0-5050-0.03-0.03-40.0239.97-0.03-0.03-0.03-0.03-0.03-0.03-0.04-0.03-0.03----
Issuance of Common Stock
-0.050.08-----------------
Repurchase of Common Stock
-3.63--0.42-6-3.45-1.57-1.93-1.22-1.08-----------
Net Increase (Decrease) in Deposit Accounts
121.47111.3-150.79146.4724.47133.88-84.85119.18-94.04124.63-112.9992.62-19.2925.24-237.9395.85-29.01131.22-123.06170.01
Other Financing Activities
----0.75----0.75---0.12---0.73------
Financing Cash Flow
117.8561.35-101.14139.6920.9992.28-46.81117.19-95.14124.6-113.1492.6-19.3124.47-237.9695.82-29.01131.22-123.06170.01

Net Cash Flow

Fiscal Quarter
Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022
Period Ending
Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21
Net Cash Flow
-62.3723.26-94.88106.48-17.5643.11-128.4559.78-81.35106.91-76.9166.075.42-2.26-255.5526.81-88.71115.62-129.44153.62

Free Cash Flow

Fiscal Quarter
Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022
Period Ending
Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21
Free Cash Flow
14.23-0.85.463.684.56-4.8914.311.798.843.2-1.112.0713.272.282.367.9121.2722.64-0.465.73
Free Cash Flow Growth (YoY)
212.49%--61.86%105.36%-48.47%-7.84%-21.31%274.10%-59.49%-52.58%-37.63%-89.95%-38.00%311.97%6.40%--
Free Cash Flow Margin
52.78%-3.35%22.29%15.83%19.92%-22.22%67.58%7.83%43.90%14.91%-7.97%64.49%69.53%10.96%11.00%43.09%134.17%167.47%-3.19%43.47%
Free Cash Flow Per Share
0.58-0.030.230.150.18-0.200.580.070.350.13-0.040.480.530.090.090.320.840.90-0.020.23

Additional Metrics

Fiscal Quarter
Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022
Period Ending
Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21
Cash Interest Paid
8.397.977.958.037.236.826.856.5-5.845.34.282.821.270.850.50.380.340.360.38
Cash Income Tax Paid
2-32.753.5-1.71--212.75-1.150.90.5-0.50.5
SEC Filings: 10-K · 10-Q