20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.
Pioneer Bancorp Inc (PBFS) operates in the BANKS - REGIONAL industry and is headquartered in Albany, United States with about 296 employees. Its market capitalization is roughly $436 million. In the fiscal year ended 2026-06-30, PBFS reported $127M in revenue and $20M in net income.
Pioneer Bancorp, Inc. operates as a holding company for Pioneer Bank, National Association that provides various banking products and services in New York. It accepts various deposit accounts, such as demand, savings, and money market accounts, as well as certificates of deposit accounts.
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| Income statement | TTM → 2026-06-30 | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 | 2020-06-30 | 2019-06-30 | 2018-06-30 | 2017-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | $135M | $127M | $88M | $99M | $80M | $58M | $60M | $69M | $69M | $59M | $49M |
| Gross Profit | $99M | $93M | $88M | $74M | $71M | $57M | $54M | $58M | $46M | $54M | $44M |
| Gross Margin % | 73.0% | 73.1% | 100.0% | 75.2% | 89.1% | 98.4% | 89.7% | 83.4% | 67.0% | 91.3% | 90.1% |
| Operating Income (EBIT) | $21M | $26M | $33M | $19M | $28M | $13M | $3M | $6M | $8M | $18M | $8M |
| Operating Margin % | 15.9% | 20.9% | 37.3% | 19.7% | 34.9% | 23.0% | 4.5% | 8.7% | 11.7% | 30.0% | 17.2% |
| Net Income | $17M | $20M | $19M | $15M | $22M | $10M | $1M | $5M | $7M | $11M | $6M |
| Net Margin % | 12.5% | 16.0% | 21.8% | 15.5% | 27.5% | 17.8% | 1.8% | 7.5% | 10.7% | 19.4% | 11.6% |
| EBITDA | $24M | $28M | $3M | $22M | $31M | $16M | $6M | $9M | $11M | $20M | $10M |
| Earnings Per Share (EPS) | $0.69 | $0.83 | $0.76 | $0.61 | $0.87 | $0.41 | $0.04 | $0.21 | $0.65 | $1.03 | $0.50 |
| Shares Outstanding (M) | 24M | 25M | 25M | 25M | 25M | 25M | 25M | 25M | 11M | 11M | 11M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly income statement | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Total Revenue | $37M | $32M | $33M | $32M | $32M | $30M | $29M | $28M |
| Gross Profit | $27M | $24M | $24M | $23M | $23M | $22M | $21M | $23M |
| Gross Margin % | 72.2% | 73.9% | 73.8% | 72.4% | 71.9% | 74.4% | 72.7% | 80.3% |
| Operating Income (EBIT) | $5M | $6M | $5M | $6M | $8M | $7M | $4M | $8M |
| Operating Margin % | 12.8% | 17.7% | 16.1% | 17.5% | 25.6% | 25.1% | 14.5% | 28.8% |
| Net Income | $3M | $5M | $4M | $4M | $6M | $6M | $3M | $6M |
| Net Margin % | 9.3% | 16.4% | 11.3% | 13.5% | 20.3% | 19.5% | 11.3% | 22.1% |
| EBITDA | $6M | $6M | $5M | $6M | $9M | $8M | $5M | $9M |
| Earnings Per Share (EPS) | $0.14 | $0.22 | $0.15 | $0.18 | $0.26 | $0.23 | $0.13 | $0.25 |
| Shares Outstanding (M) | 24M | 24M | 24M | 25M | 25M | 25M | 25M | 25M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Cash flow | TTM → 2026-06-30 | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 | 2020-06-30 | 2019-06-30 | 2018-06-30 | 2017-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $24M | $11M | $34M | $24M | $26M | $50M | $33M | $2M | $6M | $23M | $12M |
| Capital Expenditures (CapEx) | $1M | $2M | $2M | $1M | $0M | $1M | $1M | $2M | $2M | $8M | $9M |
| Free Cash Flow (FCF) | $23M | $9M | $32M | $23M | $26M | $49M | $32M | $0M | $4M | $15M | $2M |
| FCF Margin % | — | — | — | — | — | — | — | — | — | — | — |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly cash flow | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $15M | $0M | $6M | $4M | $5M | ($4M) | $18M | $2M |
| Capital Expenditures (CapEx) | $0M | $1M | $0M | $0M | $1M | $1M | $1M | $0M |
| Free Cash Flow (FCF) | $14M | ($1M) | $5M | $4M | $5M | ($5M) | $17M | $2M |
| FCF Margin % | — | — | — | — | — | — | — | — |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Balance sheet | 2026-06-30 | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 | 2020-06-30 | 2019-06-30 | 2018-06-30 | 2017-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.4B | $2.2B | $2.1B | $1.9B | $1.9B | $2.0B | $1.8B | $1.5B | $1.5B | $1.3B | $1.1B |
| Cash & Cash Equivalents | $85M | $131M | $119M | $152M | $148M | $373M | $325M | $156M | $228M | $111M | $40M |
| Total Liabilities | $2.0B | $1.8B | $1.8B | $1.6B | $1.6B | $1.7B | $1.6B | $1.3B | $1.3B | $1.2B | $1.0B |
| Total Debt (Short + Long-Term) | $0M | $0M | $0M | $1M | $1M | $0M | $0M | $0M | $0M | $0M | $5M |
| Total Shareholders' Equity | $328M | $324M | $314M | $297M | $267M | $243M | $238M | $224M | $123M | $118M | $104M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive PBFS viewer.
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