SequelSEC

Pioneer Bancorp, Inc./MD PBFS

Savings Institutions, Not Federally Chartered · CIK 0001769663 · Fiscal year ends 1231 · Bank

AnnualQuarterlyTTM
Revenue
$15.81M
Fiscal year ended 2025-12-31
Net income
$20.29M
Fiscal year ended 2025-12-31
Total assets
$2.15B
Fiscal year ended 2025-12-31

Pioneer Bancorp, Inc./MD (PBFS) reported revenue of $15.81M and net income of $20.29M for the fiscal year ended 2025-12-31. This page shows 7 annual periods of income statement, balance sheet and cash flow figures normalized from Pioneer Bancorp, Inc./MD’s SEC filings, each linked to the filing it came from. It is classified by the SEC under Savings Institutions, Not Federally Chartered.

Banks, brokers and insurers present a top line that is not comparable with an operating company’s revenue: it is reported net of interest expense, or as premiums earned, depending on the filer. The figures are the filer’s own and are traceable to the filing; the comparison across classes is what does not hold.

Income

Pioneer Bancorp, Inc./MD income by fiscal year, in US dollars, normalized from SEC filings.
Metric2025-12-312024-06-302023-06-302022-06-302021-06-302020-06-302019-06-30
Revenue$15.81M$14.95M$12.98M$13.23M$12.77M$12.55M$12.89M
Cost of revenueUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Gross profitUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Operating incomeUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Net income$20.29M$15.26M$21.95M$10.28M$1.08M$5.20M$7.31M
Research & developmentUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Weighted-average diluted sharesshares 24.57Mshares 25.22Mshares 25.17Mshares 25.13Mshares 25.07MUnavailableUnavailable
Pretax income$26.49M$19.41M$27.86M$13.34M$2.66M$6.00M$8.05M
Income tax expense$6.20M$4.15M$5.91M$3.06M$1.58M$797.00K$737.00K
Diluted EPS$0.83$0.61$0.87$0.41$0.04$0.21Unavailable
Selling, general & administrativeUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
General & administrativeUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Selling & marketingUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable

Balance

Pioneer Bancorp, Inc./MD balance by fiscal year, in US dollars, normalized from SEC filings.
Metric2025-12-312024-06-302023-06-302022-06-302021-06-302020-06-302019-06-30
Cash & equivalentsUnavailableUnavailableUnavailableUnavailable$324.96M$156.90M$230.11M
Total assets$2.15B$1.90B$1.86B$1.96B$1.80B$1.53B$1.47B
Current assetsUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Total liabilities$1.83B$1.60B$1.59B$1.72B$1.56B$1.30B$1.35B
Current liabilitiesUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Total equity incl. NCI$323.86M$296.53M$266.70M$242.63M$237.82M$223.97M$123.26M
Temporary (mezzanine) equityUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
InventoryUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Accounts receivableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Goodwill$9.60M$10.88M$8.80M$8.80M$7.29M$7.29M$7.29M
Long-term debtUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Accounts payableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable

Cash flow

Pioneer Bancorp, Inc./MD cash flow by fiscal year, in US dollars, normalized from SEC filings.
Metric2025-12-312024-06-302023-06-302022-06-302021-06-302020-06-302019-06-30
Operating cash flow$11.12M$23.85M$26.27M$49.97M$32.65M$2.02M$6.13M
Capital expendituresUnavailableUnavailable$451.00K$780.00K$596.00K$1.70M$2.28M
Investing cash flow-$125.79M-$18.05M-$114.87M-$148.03M-$125.11M-$109.47M-$78.02M
Financing cash flow$151.83M$8.91M-$136.98M$149.16M$260.51M$34.24M$181.72M
Net change in cash$37.15M$14.71M-$225.58M$51.10M$168.06M-$73.21M$109.83M
Stock-based compensation$1.27M$154.00KUnavailableUnavailableUnavailableUnavailableUnavailable
Common dividends paidUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Common share repurchases$11.29M$1.08MUnavailableUnavailableUnavailableUnavailableUnavailable
Depreciation & amortization$1.90M$2.10M$2.30M$2.40M$2.50M$2.54M$2.46M

Derived

Pioneer Bancorp, Inc./MD derived by fiscal year, in US dollars, normalized from SEC filings.
Metric2025-12-312024-06-302023-06-302022-06-302021-06-302020-06-302019-06-30
Free cash flowUnavailableUnavailableUnavailable$49.19M$32.06M$322.00K$3.84M
Gross marginUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Operating marginUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
FCF marginUnavailableUnavailableUnavailable371.8%251.1%2.6%29.8%
SBC / revenue8.0%1.0%UnavailableUnavailableUnavailableUnavailableUnavailable
Current ratioUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Revenue YoY growthUnavailable15.2%-1.9%3.6%1.7%-2.6%Unavailable
Net margin128.3%102.1%169.1%77.7%8.4%41.4%56.7%
R&D / revenueUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
CapEx / revenueUnavailableUnavailableUnavailable5.9%4.7%13.6%17.7%
Long-term debt / equityUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Effective tax rate23.4%21.4%21.2%22.9%59.5%13.3%9.2%

Amounts are abbreviated; the exact reported value is carried in each cell. — means unavailable, not zero. Open PBFS in the interactive workspace to inspect any figure back to its filing.

Source filings

10-Q · Filed 2026-08-10View SEC filing
10-Q · Filed 2026-05-11View SEC filing
10-K · Filed 2026-03-12View SEC filing
10-Q · Filed 2025-11-07View SEC filing
10-Q · Filed 2025-08-08View SEC filing
10-Q · Filed 2025-05-09View SEC filing

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Every accounting identity this site checks — the balance sheet, the gross profit bridge and the cash flow statement — reconciles in every period shown.