Pioneer Bancorp, Inc. (PBFS)

Pioneer Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Quarter	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022
Period Ending	Jun 30, 2026	Mar 31, 2026	Dec 31, 2025	Sep 30, 2025	Jun 30, 2025	Mar 31, 2025	Dec 31, 2024	Sep 30, 2024	Jun 30, 2024	Mar 31, 2024	Dec 31, 2023	Sep 30, 2023	Jun 30, 2023	Mar 31, 2023	Dec 31, 2022	Sep 30, 2022	Jun 30, 2022	Mar 31, 2022	Dec 31, 2021	Sep 30, 2021
Interest Income on Loans	100.37	94.88	91.64	91.86	85.28	82.33	79.9	76.78	72.38	68.55	64.47	60.25	55.23	49.79	44.45	41.04	39.56	39.67	40.96	41.76
Interest Income on Investments	16.55	17.17	17.89	15.9	16.41	15.91	15.61	15.76	15.94	15.29	15.04	15.75	15.8	14.28	11.1	7.38	4.29	2.73	2.13	1.71
Total Interest Income	116.92	112.05	109.53	107.75	101.69	98.24	95.51	92.54	88.32	83.84	79.51	76	71.03	64.08	55.54	48.42	43.84	42.4	43.09	43.48
Interest Paid on Deposits	30.83	29.07	28.14	28.33	26.24	25.49	24.6	22.99	20.67	17.11	12.62	8.17	4.62	2.43	1.7	1.42	1.37	1.4	1.5	1.7
Interest Paid on Borrowings	2.03	2.17	2.25	2.02	1.29	1	0.9	1.03	1.13	1.2	1.17	1.07	0.87	0.58	0.38	0.19	0.1	0.08	0.08	0.08
Total Interest Expense	32.86	31.24	30.38	30.35	27.53	26.49	25.51	24.02	21.8	18.31	13.79	9.24	5.49	3.01	2.09	1.6	1.46	1.48	1.58	1.78
Net Interest Income	84.06	80.81	79.15	77.41	74.16	71.75	70	68.52	66.51	65.53	65.72	66.76	65.54	61.07	53.46	46.82	42.38	40.92	41.51	41.7
Net Interest Income Growth (YoY)	13.34%	12.63%	13.07%	18.12%	12.85%	7.48%	6.80%	2.64%	1.48%	7.31%	22.93%	42.59%	54.66%	49.24%	28.77%	12.27%	1.34%	-3.62%	-5.67%	-9.11%
Gain (Loss) on Sale of Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0.21	0.28	0.28	0.27	0.07	0.01
Gain (Loss) on Sale of Investments	-	-	-	-0.22	0.17	0.17	0.55	-4.83	-4.91	-4.71	-5.15	0.49	0.37	0.02	0.11	0	0	0.34	0.53	1.2
Other Non-Interest Income	17.75	17.28	17.14	18.15	17.18	16.06	16.18	15.75	15.29	14.55	14.01	13.42	13.77	14.29	14.36	14.4	13.8	13.6	14.05	14.21
Total Non-Interest Income	17.93	17.28	17.14	17.92	17.34	16.22	16.73	10.92	10.38	9.84	8.86	13.92	14.15	14.31	14.68	14.68	14.07	14.18	14.65	15.42
Non-Interest Income Growth (YoY)	3.42%	6.49%	2.44%	82.17%	95.80%	16.56%	18.26%	-21.51%	-26.63%	-31.26%	-39.66%	-5.19%	0.53%	0.95%	0.20%	-4.82%	-10.64%	-11.07%	0.63%	1.19%
Revenues Before Loan Losses	101.99	98.09	96.29	95.33	91.5	87.97	86.73	79.44	76.89	75.37	74.57	80.67	79.69	75.38	68.14	61.5	56.45	55.1	56.16	57.12
Provision for Loan Losses	3.48	3.68	3.7	3.62	2.57	1.77	1.05	1.08	2.7	2.23	2.15	0.63	-	-1.08	-1.08	-0.68	-0.55	0.75	2	3.55
Revenue	98.51	94.41	92.59	91.72	88.93	86.2	85.68	78.36	74.19	73.14	72.42	80.04	79.69	76.46	69.22	62.18	57	54.35	54.16	53.57
Revenue Growth (YoY)	10.78%	9.52%	8.07%	25.40%	22.80%	7.70%	7.52%	-2.10%	-6.90%	-4.34%	4.63%	28.74%	39.80%	40.69%	27.79%	16.06%	6.51%	3.13%	5.04%	-1.07%
Salaries and Employee Benefits	33.78	32.47	32.06	32.13	31	30.18	29.65	28.98	28.6	27.85	27.51	27.24	26.91	27.21	26.67	25.67	25.27	25.1	25.31	25.52
Occupancy Expenses	6.7	6.47	6.38	9.03	8.26	8.24	8.2	6.58	6.57	6.55	6.57	6.75	6.42	5.85	5.88	5.97	6.17	6.09	6.01	5.85
Federal Deposit Insurance	0.96	0.93	0.91	0.81	0.93	0.99	1.03	1.09	1.09	1.09	1.07	0.95	0.86	0.75	0.67	0.74	0.77	1.31	1.38	1.38
Selling, General & Administrative	22.26	19.54	16.64	14.11	14.53	14.99	15.93	17.47	17.87	17.14	15.34	13.22	11.46	11.44	10.69	9.94	9.78	9.13	9.14	9.23
Other Non-Interest Expense	11.4	8.23	8.12	8.94	6.25	6.95	7.38	6.9	6.61	6.36	6.18	6.21	6.18	6.03	6.13	5.63	5.51	4.89	4.51	4.36
Total Non-Interest Expense	75.09	67.63	64.1	65.01	60.97	61.35	62.18	61.02	60.73	58.99	56.66	54.37	51.83	51.28	50.05	47.95	47.49	46.51	46.35	46.34
EBT Excluding Unusual Items	23.43	26.78	28.49	26.7	27.97	24.86	23.5	17.35	13.46	14.15	15.76	25.67	27.86	25.18	19.17	14.23	9.51	7.84	7.82	7.23
Legal Settlements	-	-	-	-	-	-	-	5.95	5.95	5.95	5.95	-	-	-	-1.2	-1.2	-1.2	-5.7	-4.5	-4.5
Other Unusual Items	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	5.03	5.03	5.03	5.03	-
Pretax Income	21.43	24.78	26.49	26.7	27.97	24.86	23.5	23.3	19.41	20.1	21.71	25.67	27.86	25.18	17.97	18.06	13.34	7.17	8.35	2.73
Income Tax Expense	4.58	4.96	6.2	5.92	6.15	5.57	5.25	5.15	4.15	4.26	4.57	5.54	5.91	5.38	3.89	3.9	3.06	2.8	2.94	1.69
Net Income	16.85	19.81	20.29	20.79	21.81	19.29	18.25	18.15	15.26	15.84	17.14	20.13	21.95	19.8	14.08	14.16	10.28	4.36	5.4	1.04
Net Income to Common	16.85	19.81	20.29	20.79	21.81	19.29	18.25	18.15	15.26	15.84	17.14	20.13	21.95	19.8	14.08	14.16	10.28	4.36	5.4	1.04
Net Income Growth (YoY)	-22.77%	2.70%	11.17%	31.26%	27.26%	-4.17%	-16.85%	-9.85%	-30.47%	-20.03%	21.73%	42.22%	113.52%	353.91%	160.68%	1261.15%	854.41%	-28.55%	-3.78%	-86.26%
Basic Shares Outstanding	24	24	24	25	25	25	25	25	25	25	25	25	25	25	25	25	25	25	25	25
Diluted Shares Outstanding	24	24	25	25	25	25	25	25	25	25	25	25	25	25	25	25	25	25	25	25
Shares Change (YoY)	-2.38%	-2.66%	-2.34%	-2.37%	-1.03%	-0.38%	-0.05%	0.12%	0.21%	0.15%	0.15%	0.15%	0.15%	0.25%	0.25%	0.25%	0.25%	0.20%	0.19%	0.21%
EPS (Basic)	0.70	0.82	0.83	0.85	0.88	0.77	0.73	0.72	0.61	0.63	0.68	0.80	0.87	0.79	0.56	0.56	0.41	0.17	0.22	0.04
EPS (Diluted)	0.70	0.82	0.83	0.84	0.88	0.77	0.73	0.72	0.61	0.63	0.68	0.80	0.87	0.79	0.56	0.56	0.41	0.17	0.21	0.03
EPS Growth (YoY)	-20.41%	6.11%	14.05%	33.63%	28.98%	-3.74%	-16.45%	-9.97%	-30.38%	-20.15%	21.48%	42.01%	112.71%	361.93%	166.22%	1770.67%	922.53%	-29.02%	-4.44%	-90.05%

Additional Metrics

Fiscal Quarter	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022
Period Ending	Jun 30, 2026	Mar 31, 2026	Dec 31, 2025	Sep 30, 2025	Jun 30, 2025	Mar 31, 2025	Dec 31, 2024	Sep 30, 2024	Jun 30, 2024	Mar 31, 2024	Dec 31, 2023	Sep 30, 2023	Jun 30, 2023	Mar 31, 2023	Dec 31, 2022	Sep 30, 2022	Jun 30, 2022	Mar 31, 2022	Dec 31, 2021	Sep 30, 2021
Effective Tax Rate	21.37%	20.03%	23.41%	22.16%	22.00%	22.39%	22.34%	22.09%	21.38%	21.21%	21.05%	21.58%	21.21%	21.36%	21.64%	21.61%	22.93%	39.11%	35.27%	61.96%

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Sep 5, 2026

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