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	Sep '26 Sep 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	106.52	91.64	79.9	72.38	55.23	39.56
Interest Income on Investments	15.8	17.89	15.61	15.94	15.8	4.29
Total Interest Income	122.32	109.53	95.51	88.32	71.03	43.84
Interest Paid on Deposits	33.19	28.14	24.6	20.67	4.62	1.37
Interest Paid on Borrowings	1.66	2.25	0.9	1.13	0.87	0.1
Total Interest Expense	34.85	30.38	25.51	21.8	5.49	1.46
Net Interest Income	87.47	79.15	70	66.51	65.54	42.38
Net Interest Income Growth	14.38%	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	18.93	17.14	16.18	15.29	13.77	13.8
Total Non-Interest Income	19.63	17.14	16.73	10.38	14.15	14.07
Non-Interest Income Growth	15.20%	2.44%	61.19%	-26.63%	0.53%	-10.64%
Revenues Before Loan Losses	107.09	96.29	86.73	76.89	79.69	56.45
Provision for Loan Losses	4.01	3.7	1.05	2.7	-	-0.55
Revenue	103.08	92.59	85.68	74.19	79.69	57
Revenue Growth	15.46%	8.07%	15.48%	-6.90%	39.80%	6.51%
Salaries and Employee Benefits	35.35	32.06	29.65	28.6	26.91	25.27
Occupancy Expenses	6.91	6.38	8.2	6.57	6.42	6.17
Federal Deposit Insurance	1.29	0.91	1.03	1.09	0.86	0.77
Selling, General & Administrative	26.52	16.64	15.93	17.87	11.46	9.78
Other Non-Interest Expense	8.23	8.12	7.38	6.61	6.18	5.51
Total Non-Interest Expense	78.3	64.1	62.18	60.73	51.83	47.49
EBT Excluding Unusual Items	24.78	28.49	23.5	13.46	27.86	9.51
Legal Settlements	-6.9	-	-	5.95	-	-1.2
Other Unusual Items	-	-	-	-	-	5.03
Pretax Income	15.88	26.49	23.5	19.41	27.86	13.34
Income Tax Expense	3.28	6.2	5.25	4.15	5.91	3.06
Net Income	12.6	20.29	18.25	15.26	21.95	10.28
Net Income to Common	12.6	20.29	18.25	15.26	21.95	10.28
Net Income Growth	-36.47%	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	-1.26%	-2.34%	-0.26%	0.21%	0.15%	0.25%
EPS (Basic)	0.52	0.83	0.73	0.61	0.87	0.41
EPS (Diluted)	0.52	0.83	0.73	0.61	0.87	0.41
EPS Growth	-35.53%	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	Sep '26 Sep 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	20.66%	23.41%	22.34%	21.38%	21.21%	22.93%

SEC Filings: 10-K · 10-Q