Pioneer Bancorp, Inc. (PBFS)

Pioneer Bancorp Income Statement

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

Fiscal Year	FY 2025	FY 2025	FY 2024	FY 2024	FY 2023
Period Ending	Dec 31, 2025	Sep 30, 2025	Dec 31, 2024	Jun 30, 2024	Dec 31, 2023
Net Interest Income	79.15	79.15	66.51	66.51	66.51
Net Interest Income Growth	-0.00%	19.00%	-	-	1.48%
Non-Interest Income	17.14	17.14	16.03	16.33	16.03
Non-Interest Income Growth	-	6.96%	-1.87%	1.90%	13.27%
Revenues Before Loan Losses	96.29	96.29	82.54	82.84	82.54
Provision for Credit Losses	3.7	3.7	2.7	2.7	2.7
Revenue	92.59	92.6	79.84	80.14	79.84
Revenue Growth (YoY)	-0.00%	15.98%	-0.38%	0.38%	0.19%
Compensation Expenses	33.95	-	29.23	29.23	29.23
Selling, General & Admin	21.12	-	23.81	23.81	23.81
Other Non-Interest Expenses	11.04	-	7.7	7.7	7.7
Total Non-Interest Expense	66.1	66.11	60.73	60.73	60.73
Pretax Income	26.49	26.49	19.41	19.41	19.41
Provision for Income Taxes	6.2	6.2	4.15	4.15	4.15
Net Income	20.29	20.29	15.26	15.26	15.26
Net Income to Common	20.29	20.29	15.26	15.26	15.26
Net Income Growth	-0.01%	32.95%	-	-	-30.47%
Shares Outstanding (Basic)	24	24	25	25	25
Shares Outstanding (Diluted)	25	25	25	25	25
Shares Change (YoY)	-0.13%	-2.44%	-0.04%	0.04%	0.17%
EPS (Basic)	0.83	0.83	0.61	0.61	0.61
EPS (Diluted)	0.83	0.82	0.61	0.61	0.61
EPS Growth	1.22%	34.43%	-	-	-29.89%
Free Cash Flow	8.8	8.8	22.21	23.01	22.21
Free Cash Flow Growth	-	-60.38%	-3.48%	3.60%	-13.98%
Free Cash Flow Per Share	0.36	0.36	0.88	0.91	0.88
Profit Margin	21.91%	21.91%	19.11%	19.04%	19.11%
FCF Margin	9.50%	9.50%	27.82%	28.71%	27.82%
EBITDA	1.9	1.9	2.6	2.6	2.6
EBITDA Margin	2.05%	2.05%	3.25%	3.24%	3.25%
Effective Tax Rate	23.41%	23.41%	21.38%	21.38%	21.38%

Updated Jan 30, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q