Pioneer Bancorp, Inc. (PBFS) Financial Statements
Industry: Savings Institutions, Not Federally Chartered
In fiscal 2025, Pioneer Bancorp reported revenue of $96.3M, up 16.2% from $82.8M the year before. Net income was $20.3M (a 21.1% net margin), or $0.83 per diluted share. Net interest income was $79.1M, and the efficiency ratio (noninterest expense / revenue) was 68.7%. Operating activities generated $11.1M of cash. At fiscal year end, Pioneer Bancorp held $2.15B in total assets against $1.83B in total liabilities.
Open the full interactive Pioneer Bancorp financials → Quarterly statements, key ratios, valuation history and price charts.
Pioneer Bancorp Key Stats
| Share Price | $17.60 |
|---|---|
| Market Cap | $428.2M |
| P/E Ratio | 21.2 |
| Revenue YoY Growth | +16.2% |
| 52-Week Range | $13.01 – $18.54 |
| Shares Outstanding | 24.0 million (basic, 2026 Q2) |
Pioneer Bancorp Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $48.8M | $41.8M | $42.4M | $65.5M | $66.5M | $79.1M |
| Provision for Credit Losses | $22.6M | $4.0M | -$550,000 | $0 | $2.4M | $3.5M |
| Noninterest Income | $15.7M | $15.8M | $14.1M | $14.1M | $16.3M | $17.1M |
| Noninterest Expense | $51.7M | $50.9M | $43.7M | $51.8M | $60.7M | $66.1M |
| Revenue | $64.5M | $57.6M | $56.5M | $79.7M | $82.8M | $96.3M |
| Pre-Tax Income | -$9.8M | $2.7M | $13.3M | $27.9M | $19.4M | $26.5M |
| Income Tax | -$3.3M | $1.6M | $3.1M | $5.9M | $4.1M | $6.2M |
| Net Income | -$6.5M | $1.1M | $10.3M | $21.9M | $15.3M | $20.3M |
| Diluted EPS | -$0.26 | $0.04 | $0.41 | $0.87 | $0.61 | $0.83 |
Pioneer Bancorp Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $24.0M | $25.0M | $24.6M | $28.3M |
| Net Income | $4.3M | $3.7M | $5.3M | $3.5M |
| Diluted EPS | $0.18 | $0.15 | $0.22 | $0.14 |
Pioneer Bancorp Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $156.9M | $325.0M | — | — | — | — |
| Loans (Net) | $1.15B | $1.08B | $982.6M | $1.14B | $1.34B | $1.65B |
| Total Assets | $1.53B | $1.80B | $1.96B | $1.86B | $1.90B | $2.15B |
| Deposits | $1.27B | $1.53B | $1.68B | $1.54B | $1.55B | $1.74B |
| Total Liabilities | $1.30B | $1.56B | $1.72B | $1.59B | $1.60B | $1.83B |
| Shareholders' Equity | $224.0M | $237.8M | $242.6M | $266.7M | $296.5M | $323.9M |
Pioneer Bancorp Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $2.0M | $32.7M | $50.0M | $26.3M | $23.8M | $11.1M |
| Cash From Investing | -$109.5M | -$125.1M | -$148.0M | -$114.9M | -$18.0M | -$125.8M |
| Cash From Financing | $34.2M | $260.5M | $149.2M | -$137.0M | $8.9M | $151.8M |
| Free Cash Flow | $322,000 | $32.1M | $49.2M | $25.8M | — | — |
Figures from Pioneer Bancorp's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Pioneer Bancorp financials page for every line item.
Pioneer Bancorp Company Profile
| Ticker | PBFS |
|---|---|
| Exchange | Nasdaq |
| Industry | Savings Institutions, Not Federally Chartered |
| Headquarters | Albany, New York |
| Incorporated in | Maryland |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer, smaller reporting company |
| SEC CIK | 0001769663 |
Frequently Asked Questions
What was Pioneer Bancorp's revenue in fiscal 2025?
Pioneer Bancorp (PBFS) reported revenue of $96.3M for fiscal 2025.
What is Pioneer Bancorp's annual revenue history?
Pioneer Bancorp's annual revenue by fiscal year: 2020: $64.5M; 2021: $57.6M; 2022: $56.5M; 2023: $79.7M; 2024: $82.8M; 2025: $96.3M.
What was Pioneer Bancorp's net income in fiscal 2025?
Pioneer Bancorp reported net income of $20.3M for fiscal 2025.
What was Pioneer Bancorp's earnings per share (EPS) in fiscal 2025?
Pioneer Bancorp's diluted EPS was $0.83 for fiscal 2025 (adjusted for any later stock splits).
What was Pioneer Bancorp's revenue last quarter?
In its most recent reported quarter (2026 Q2), Pioneer Bancorp reported revenue of $28.3M.
How many shares of Pioneer Bancorp are outstanding?
Pioneer Bancorp reported a weighted average of 24.0 million basic shares outstanding in 2026 Q2.
What is Pioneer Bancorp's market cap?
Based on its latest closing price, Pioneer Bancorp (PBFS) has a market capitalization of about $428.2M.
When does Pioneer Bancorp's fiscal year end?
Pioneer Bancorp's fiscal year end, as registered with the SEC, is December 31.
Where is Pioneer Bancorp headquartered?
Pioneer Bancorp lists its business address in Albany, New York in its SEC filings.
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