Pioneer Bancorp Income 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 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022
Interest Income on Loans	100.37	91.64	79.9	72.38	55.23	39.56
Interest Income on Investments	16.55	17.89	15.61	15.94	15.8	4.29
Total Interest Income	116.92	109.53	95.51	88.32	71.03	43.84
Interest Paid on Deposits	30.83	28.14	24.6	20.67	4.62	1.37
Interest Paid on Borrowings	2.03	2.25	0.9	1.13	0.87	0.1
Total Interest Expense	32.86	30.38	25.51	21.8	5.49	1.46
Net Interest Income	84.06	79.15	70	66.51	65.54	42.38
Net Interest Income Growth	13.34%	13.07%	5.24%	1.48%	54.66%	1.34%
Gain (Loss) on Sale of Assets	-	-	-	-	-	0.28
Gain (Loss) on Sale of Investments	-	-	0.55	-4.91	0.37	0
Other Non-Interest Income	17.75	17.14	16.18	15.29	13.77	13.8
Total Non-Interest Income	17.93	17.14	16.73	10.38	14.15	14.07
Non-Interest Income Growth	3.42%	2.44%	61.19%	-26.63%	0.53%	-10.64%
Revenues Before Loan Losses	101.99	96.29	86.73	76.89	79.69	56.45
Provision for Loan Losses	3.48	3.7	1.05	2.7	-	-0.55
Revenue	98.51	92.59	85.68	74.19	79.69	57
Revenue Growth	10.78%	8.07%	15.48%	-6.90%	39.80%	6.51%
Salaries and Employee Benefits	33.78	32.06	29.65	28.6	26.91	25.27
Occupancy Expenses	6.7	6.38	8.2	6.57	6.42	6.17
Federal Deposit Insurance	0.96	0.91	1.03	1.09	0.86	0.77
Selling, General & Administrative	22.26	16.64	15.93	17.87	11.46	9.78
Other Non-Interest Expense	11.4	8.12	7.38	6.61	6.18	5.51
Total Non-Interest Expense	75.09	64.1	62.18	60.73	51.83	47.49
EBT Excluding Unusual Items	23.43	28.49	23.5	13.46	27.86	9.51
Legal Settlements	-	-	-	5.95	-	-1.2
Other Unusual Items	-	-	-	-	-	5.03
Pretax Income	21.43	26.49	23.5	19.41	27.86	13.34
Income Tax Expense	4.58	6.2	5.25	4.15	5.91	3.06
Net Income	16.85	20.29	18.25	15.26	21.95	10.28
Net Income to Common	16.85	20.29	18.25	15.26	21.95	10.28
Net Income Growth	-22.77%	11.17%	19.59%	-30.47%	113.52%	854.41%
Basic Shares Outstanding	24	24	25	25	25	25
Diluted Shares Outstanding	24	25	25	25	25	25
Shares Change	-2.38%	-2.34%	-0.26%	0.21%	0.15%	0.25%
EPS (Basic)	0.70	0.83	0.73	0.61	0.87	0.41
EPS (Diluted)	0.70	0.83	0.73	0.61	0.87	0.41
EPS Growth	-20.41%	14.05%	20.01%	-30.38%	112.71%	922.53%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022
Effective Tax Rate	21.37%	23.41%	22.34%	21.38%	21.21%	22.93%

SEC Filings: 10-K · 10-Q