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Pioneer Bancorp, Inc. (PBFS)
NASDAQ: PBFS · Real-Time Price · USD
18.51
+0.34 (1.87%)
Nov 4, 2026, 9:31 AM EST - Market open

Pioneer Bancorp Income Statement

Millions USD. Fiscal year is Jan - Dec.
Fiscal Quarter
Q3 2026Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q4 2024Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022
Period Ending
Sep '26 Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22
Interest Income on Loans
104.43100.3794.8891.6491.8685.2882.3379.979.976.7872.3868.5564.4760.2555.2349.7944.4541.0439.5639.67
Interest Income on Investments
17.8916.5517.1717.8915.916.4115.9115.6115.6115.7615.9415.2915.0415.7515.814.2811.17.384.292.73
Total Interest Income
122.32116.92112.05109.53107.75101.6998.2495.5195.5192.5488.3283.8479.517671.0364.0855.5448.4243.8442.4
Interest Paid on Deposits
32.630.8329.0728.1428.3326.2425.4924.624.622.9920.6717.1112.628.174.622.431.71.421.371.4
Interest Paid on Borrowings
2.252.032.172.252.021.2910.90.91.031.131.21.171.070.870.580.380.190.10.08
Total Interest Expense
34.8532.8631.2430.3830.3527.5326.4925.5125.5124.0221.818.3113.799.245.493.012.091.61.461.48
Net Interest Income
87.4784.0680.8179.1577.4174.1671.75707068.5266.5165.5365.7266.7665.5461.0753.4646.8242.3840.92
Net Interest Income Growth (YoY)
13.00%13.34%12.63%13.07%18.12%12.85%7.48%6.80%6.80%2.64%1.48%7.31%22.93%42.59%54.66%49.24%28.77%12.27%1.34%-3.62%
Gain (Loss) on Sale of Assets
----------------0.210.280.280.27
Gain (Loss) on Sale of Investments
-----0.220.170.170.550.55-4.83-4.91-4.71-5.150.490.370.020.11000.34
Other Non-Interest Income
19.6317.7517.2817.1418.1517.1816.0616.1816.1815.7515.2914.5514.0113.4213.7714.2914.3614.413.813.6
Total Non-Interest Income
19.6317.9317.2817.1417.9217.3416.2216.7316.7310.9210.389.848.8613.9214.1514.3114.6814.6814.0714.18
Non-Interest Income Growth (YoY)
9.50%3.42%6.49%2.44%82.17%95.80%16.56%18.26%18.26%-21.51%-26.63%-31.26%-39.66%-5.19%0.53%0.95%0.20%-4.82%-10.64%-11.07%
Revenues Before Loan Losses
107.09101.9998.0996.2995.3391.587.9786.7386.7379.4476.8975.3774.5780.6779.6975.3868.1461.556.4555.1
Provision for Loan Losses
4.013.483.683.73.622.571.771.051.051.082.72.232.150.63--1.08-1.08-0.68-0.550.75
Revenue
103.0898.5194.4192.5991.7288.9386.285.6885.6878.3674.1973.1472.4280.0479.6976.4669.2262.185754.35
Revenue Growth (YoY)
12.39%10.78%9.52%8.07%25.40%22.80%7.70%7.52%7.52%-2.10%-6.90%-4.34%4.63%28.74%39.80%40.69%27.79%16.06%6.51%3.13%
Salaries and Employee Benefits
32.0633.7832.4732.0632.133130.1829.6529.6528.9828.627.8527.5127.2426.9127.2126.6725.6725.2725.1
Occupancy Expenses
6.386.76.476.389.038.268.248.28.26.586.576.556.576.756.425.855.885.976.176.09
Federal Deposit Insurance
0.910.960.930.910.810.930.991.031.031.091.091.091.070.950.860.750.670.740.771.31
Selling, General & Administrative
16.6422.2619.5416.6414.1114.5314.9915.9315.9317.4717.8717.1415.3413.2211.4611.4410.699.949.789.13
Other Non-Interest Expense
23.0211.48.238.128.946.256.957.387.386.96.616.366.186.216.186.036.135.635.514.89
Total Non-Interest Expense
7975.0967.6364.165.0160.9761.3562.1862.1861.0260.7358.9956.6654.3751.8351.2850.0547.9547.4946.51
EBT Excluding Unusual Items
24.0823.4326.7828.4926.727.9724.8623.523.517.3513.4614.1515.7625.6727.8625.1819.1714.239.517.84
Legal Settlements
-6.2--------5.955.955.955.95----1.2-1.2-1.2-5.7
Other Unusual Items
-----------------5.035.035.03
Pretax Income
15.8821.4324.7826.4926.727.9724.8623.523.523.319.4120.121.7125.6727.8625.1817.9718.0613.347.17
Income Tax Expense
3.284.584.966.25.926.155.575.255.255.154.154.264.575.545.915.383.893.93.062.8
Earnings From Continuing Operations
12.616.8519.8120.2920.7921.8119.2918.2518.2518.1515.2615.8417.1420.1321.9519.814.0814.1610.284.36
Net Income
12.616.8519.8120.2920.7921.8119.29--18.1515.2615.8417.1420.1321.9519.814.0814.1610.284.36
Net Income to Common
12.616.8519.8120.2920.7921.8119.2918.2518.2518.1515.2615.8417.1420.1321.9519.814.0814.1610.284.36
Net Income Growth (YoY)
-39.38%-22.77%2.70%11.17%31.26%27.26%-4.17%-16.85%-16.85%-9.85%-30.47%-20.03%21.73%42.22%113.52%353.91%160.68%1261.15%854.41%-28.55%
Basic Shares Outstanding
2424242425252525252525252525252525252525
Diluted Shares Outstanding
2424242525252525252525252525252525252525
Shares Change (YoY)
-1.03%-2.38%-2.66%-2.34%-2.37%-1.03%-0.38%-0.05%-0.05%0.12%0.21%0.15%0.15%0.15%0.15%0.25%0.25%0.25%0.25%0.20%
EPS (Basic)
0.520.700.820.830.850.880.770.730.730.720.610.630.680.800.870.790.560.560.410.17
EPS (Diluted)
0.520.700.820.830.840.880.770.730.730.720.610.630.680.800.870.790.560.560.410.17
EPS Growth (YoY)
-38.11%-20.41%6.11%14.05%33.63%28.98%-3.74%-16.45%-16.45%-9.97%-30.38%-20.15%21.48%42.01%112.71%361.93%166.22%1770.67%922.53%-29.02%

Additional Metrics

Fiscal Quarter
Q3 2026Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q4 2024Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022
Period Ending
Sep '26 Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22
Effective Tax Rate
20.66%21.37%20.03%23.41%22.16%22.00%22.39%22.34%22.34%22.09%21.38%21.21%21.05%21.58%21.21%21.36%21.64%21.61%22.93%39.11%
SEC Filings: 10-K · 10-Q