SequelSEC

Pioneer Bancorp, Inc./MD PBFS

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

AnnualQuarterlyTTM
Revenue
$4.26M
Fiscal year ended 2026-06-30
Net income
$3.48M
Fiscal year ended 2026-06-30
Total assets
$2.36B
Fiscal year ended 2026-06-30

Pioneer Bancorp, Inc./MD (PBFS) reported revenue of $4.26M and net income of $3.48M for the fiscal year ended 2026-06-30. This page shows 10 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.
Metric2026-06-302026-03-312025-12-312025-09-302025-06-302025-03-312024-09-302024-06-302024-03-312023-12-31
Revenue$4.26M$3.84M$4.56M$3.63M$3.97M$3.65MUnavailable$3.66MUnavailable$4.18M
Cost of revenueUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Gross profitUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Operating incomeUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Net income$3.48M$5.29M$3.74M$4.33M$6.45M$5.76MUnavailable$3.93MUnavailable$3.19M
Research & developmentUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Weighted-average diluted sharesshares 24.33Mshares 24.34MUnavailableshares 24.59Mshares 24.57Mshares 24.94MUnavailableshares 25.21MUnavailableshares 25.21M
Pretax income$4.78M$5.71M$5.33M$5.61M$8.14M$7.42MUnavailable$5.03MUnavailable$4.01M
Income tax expense$1.30M$416.00K$1.58M$1.28M$1.69M$1.65MUnavailable$1.10MUnavailable$822.00K
Diluted EPS$0.14$0.22$0.16$0.18$0.26$0.23Unavailable$0.16Unavailable$0.13
Selling, general & administrativeUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
General & administrativeUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Selling & marketingUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable

Balance

Pioneer Bancorp, Inc./MD balance by fiscal year, in US dollars, normalized from SEC filings.
Metric2026-06-302026-03-312025-12-312025-09-302025-06-302025-03-312024-09-302024-06-302024-03-312023-12-31
Cash & equivalentsUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Total assets$2.36B$2.22B$2.15B$2.24B$2.10B$2.07BUnavailable$1.90BUnavailable$1.85B
Current assetsUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Total liabilities$2.04B$1.89B$1.83B$1.93B$1.78B$1.76BUnavailable$1.60BUnavailable$1.57B
Current liabilitiesUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Total equity incl. NCI$328.34M$328.58M$323.86M$314.20M$314.25M$310.70MUnavailable$296.53MUnavailable$283.80M
Temporary (mezzanine) equityUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
InventoryUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Accounts receivableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Goodwill$26.56M$9.60M$9.60M$10.88M$10.88M$10.88MUnavailable$10.88MUnavailable$10.88M
Long-term debtUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Accounts payableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable

Cash flow

Pioneer Bancorp, Inc./MD cash flow by fiscal year, in US dollars, normalized from SEC filings.
Metric2026-06-302026-03-312025-12-312025-09-302025-06-302025-03-312024-09-302024-06-302024-03-312023-12-31
Operating cash flow$14.65M-$161.00K$5.68M$3.90M$5.06M-$3.53MUnavailable$9.04MUnavailable-$943.00K
Capital expendituresUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Investing cash flow-$194.87M-$37.93M$585.00K-$37.11M-$43.61M-$45.65MUnavailable$4.75MUnavailable$37.18M
Financing cash flow$117.85M$61.35M-$101.14M$139.69M$20.99M$92.28MUnavailable-$95.14MUnavailable-$113.14M
Net change in cash-$62.37M$23.26M-$94.88M$106.48M-$17.56M$43.10MUnavailable-$81.35MUnavailable-$76.91M
Stock-based compensation$446.00K$360.00K$279.00K$283.00K$354.00K$351.00KUnavailableUnavailableUnavailableUnavailable
Common dividends paidUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Common share repurchasesUnavailableUnavailable$417.00K$6.00M$3.31M$1.57MUnavailableUnavailableUnavailableUnavailable
Depreciation & amortization$1.08M$608.00K$121.00K$595.00K$600.00K$583.00KUnavailable$641.00KUnavailable$645.00K

Derived

Pioneer Bancorp, Inc./MD derived by fiscal year, in US dollars, normalized from SEC filings.
Metric2026-06-302026-03-312025-12-312025-09-302025-06-302025-03-312024-09-302024-06-302024-03-312023-12-31
Free cash flowUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Gross marginUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Operating marginUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
FCF marginUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
SBC / revenue10.5%9.4%6.1%7.8%8.9%9.6%UnavailableUnavailableUnavailableUnavailable
Current ratioUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Revenue YoY growth7.3%5.2%UnavailableUnavailable8.6%UnavailableUnavailable26.9%Unavailable16.7%
Net margin81.7%Unavailable82.1%119.3%162.3%UnavailableUnavailableUnavailableUnavailableUnavailable
R&D / revenueUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
CapEx / revenueUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Long-term debt / equityUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Effective tax rate27.2%7.3%29.7%22.8%20.7%22.3%Unavailable21.9%Unavailable20.5%

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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Reconciliation checks needing review

4 periods on this page do not reconcile under this site’s normalization. Read that as a limitation here before an observation about the company: the figures are the filer’s own, the filings linked above are authoritative, and a difference usually means the concepts this site selected do not match how this filer presents its statements. Nothing is adjusted to make a check pass.

gross profit bridgeinconsistent2024-09-30

Withheld: cost revenue, revenue could not be reconciled with the rest of this filer’s statement.

balance equationinconsistent2024-09-30

Withheld: assets, equity, liabilities could not be reconciled with the rest of this filer’s statement.

balance equationinconsistent2024-03-31

Withheld: assets, equity, liabilities could not be reconciled with the rest of this filer’s statement.

gross profit bridgeinconsistent2024-03-31

Withheld: cost revenue, revenue could not be reconciled with the rest of this filer’s statement.