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Page: Company Financials

Pioneer Bancorp, Inc.

Ticker: PBFS | Industry: Banks - Regional | Sector: Financial Services
$13.53 +0.21 (1.58%)
As of: 2026-01-15

Master Data Export

Enterprise Value

Metric MRQ MRQ-1 2025 2024 2023 2022 2021 2020 2019 2018 2017
Stock Price 13.06 12.03 12.27 10.59 9.34 10.31 11.91 9.75 14.33 14.75 14.75
Market Capitalization 320.84M 294.87M 302.09M 266.60M 235.26M 259.25M 298.68M 243.99M 307.02M 164.76M 164.76M
(-) Cash & Equivalents 228.55M 29.59M 132.00M 154.87M 160.17M 343.70M 368.36M 199.13M 169.76M 71.26M 0.00M
(+) Total Debt 0.00M 40.00M 13.33M 3.10M 3.23M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Enterprise Value 92.29M 305.27M 183.42M 114.84M 78.32M -84.45M -69.68M 44.85M 137.26M 93.51M 164.76M

Income Statement

Metric TTM TTM-1 2024-12-31 2024-06-30 2023-06-30 2022-06-30 2021-06-30 2020-06-30 2019-06-30 2018-06-30 2017-06-30
Revenue 123M 103M 88M 99M 85M 58M 60M 69M 69M 59M 49M
Cost of Revenue 55M 25M 0M 25M 5M 1M 6M 12M 23M 5M 5M
Gross Profit 68M 78M 88M 74M 80M 57M 54M 58M 46M 54M 44M
Gross Profit Margin 55.5% 75.7% 100.0% 75.2% 93.6% 98.4% 89.7% 83.4% 67.0% 91.3% 90.1%
R&D Expenses 0M 0M 0M 0M 0M 0M 0M 0M 0M 0M 0M
SG&A Expenses 20M 33M 13M 32M 30M 23M 28M 26M 24M 23M 23M
Operating Expenses 47M 55M 55M 55M 52M 44M 51M 52M 38M 36M 35M
Operating Income (EBIT) 21M 23M 33M 19M 28M 13M 3M 6M 8M 18M 8M
Operating Income Margin 17.3% 22.5% 37.3% 19.7% 32.7% 23.0% 4.5% 8.7% 11.7% 30.0% 17.2%
Interest Income 81M 93M 0M 88M 71M 44M 44M 54M 54M 46M 38M
Interest Expense 22M 24M 0M 22M 5M 1M 2M 5M 4M 3M 2M
Net Interest Income 59M 69M 0M 67M 66M 42M 42M 49M 50M 43M 35M
Unusual Items -55M -69M -8M -67M -66M -42M -42M -49M -50M -43M -35M
EBT Excluding Unusual Items 80M 92M 33M 86M 93M 56M 44M 55M 58M 61M 44M
Pre-Tax Income 25M 23M 25M 19M 28M 13M 3M 6M 8M 18M 8M
Pre-Tax Margin 20.7% 22.5% 28.2% 19.7% 32.7% 23.0% 4.5% 8.7% 11.7% 30.0% 17.2%
Income Tax Expense 6M 5M 6M 4M 6M 3M 2M 1M 1M 6M 3M
Net Income 20M 18M 19M 15M 22M 10M 1M 5M 7M 11M 6M
Net Income Margin 16.2% 17.5% 21.8% 15.5% 25.8% 17.7% 1.8% 7.5% 10.7% 19.4% 11.6%
Depreciation & Amortization 1M 3M 0M 3M 3M 3M 3M 3M 3M 3M 2M
EBITDA 22M 26M 33M 22M 31M 16M 6M 9M 11M 20M 10M
EBITDA Margin 18.2% 25.0% 37.3% 22.3% 35.9% 27.8% 9.2% 12.9% 15.8% 34.5% 21.2%
NOPAT 17M 18M 25M 15M 22M 10M 1M 5M 7M 11M 6M
NOPAT Margin 13.5% 17.5% 28.8% 15.5% 25.8% 17.7% 1.8% 7.5% 10.7% 19.4% 11.6%
Owner's Earnings 18M 20M 18M 17M 24M 12M 3M 6M 8M 6M -2M
Owner's Earnings Margin 14.9% 19.4% 20.1% 17.2% 28.4% 21.1% 5.6% 9.2% 11.4% 10.3% -3.7%
EPS (Basic) 0.80 0.73 0.77 0.61 0.87 0.41 0.04 0.21 0.65 1.03 0.50
EPS (Diluted) 0.80 0.72 0.76 0.61 0.87 0.41 0.04 0.21 0.65 1.03 0.50
Shares (Basic) 25M 25M 25M 25M 25M 25M 25M 25M 11M 11M 11M
Shares (Diluted) 25M 25M 25M 25M 25M 25M 25M 25M 11M 11M 11M

Product Segments

Metric TTM TTM-1 2024-06-30 2023-06-30 2022-06-30 2021-06-30 2020-06-30
Card services income 1.38M 3.59M 2.84M 2.96M 3.12M 0.00M 0.00M
Credit And Debit Card 0.00M 0.00M 0.00M 0.00M 0.00M 3.09M 2.78M
Deposit Account 1.24M 0.00M 0.00M 0.00M 0.00M 2.52M 3.10M
Insurance Revenues Fee 0.00M 0.00M 0.00M 0.00M 0.00M 3.63M 3.73M
Insurance services 1.94M 3.63M 3.03M 2.76M 3.18M 0.00M 0.00M
Other 0.36M 0.49M 0.37M 0.49M 0.30M 0.00M 0.00M
Service Other 0.00M 0.00M 0.00M 0.00M 0.00M 0.35M 0.20M
Service charges on deposit accounts 1.24M 3.05M 2.43M 2.48M 2.73M 0.00M 0.00M
Wealth Management Services 0.00M 0.00M 0.00M 0.00M 0.00M 3.18M 2.75M
Wealth management services 7.29M 7.67M 6.28M 4.29M 3.89M 0.00M 0.00M

Balance Sheet

Metric MRQ MRQ-1 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 & Cash Equivalents 228.55M 119.39M 119.39M 151.55M 148.31M 372.59M 324.78M 155.52M 228.03M 111.41M 39.53M
Short-Term Investments 254.51M 288.22M 288.22M 257.41M 431.67M 481.79M 264.60M 75.77M 86.70M 88.06M 81.98M
Cash & Short-Term Investments 483.06M 407.61M 407.61M 408.96M 579.98M 854.38M 589.39M 231.29M 314.72M 199.47M 121.51M
Net Receivables 1,613.93M 8.70M 8.70M 7.56M 7.19M 4.62M 4.05M 3.47M 4.37M 3.85M 3.26M
Inventory 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Other Current Assets 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Total Current Assets 2,096.99M 416.31M 416.31M 416.52M 587.17M 859.01M 593.43M 234.76M 319.10M 203.33M 124.76M
Property, Plant & Equipment 35.32M 35.73M 35.73M 40.11M 41.62M 38.02M 38.92M 40.86M 41.71M 42.90M 37.38M
Goodwill 10.88M 10.88M 10.88M 10.88M 8.80M 8.80M 7.29M 7.29M 7.29M 7.29M 5.24M
Intangible Assets 2.35M 2.46M 2.46M 2.95M 2.10M 2.49M 1.84M 2.16M 2.52M 2.87M 0.50M
Long-Term Investments 0.00M 1,585.27M 1,585.27M 1,369.16M 1,170.53M 1,008.56M 1,095.56M 1,163.75M 1,050.67M 991.20M 934.98M
Tax Assets 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Other Non-Current Assets -13.23M 45.78M 45.78M 55.79M 45.98M 47.35M 59.21M 77.59M 47.00M 36.53M 31.28M
Other Assets 111.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Total Non-Current Assets 146.32M 1,680.12M 1,680.12M 1,478.88M 1,269.02M 1,105.22M 1,202.82M 1,291.66M 1,149.19M 1,080.80M 1,009.38M
Total Assets 2,243.31M 2,096.43M 2,096.43M 1,895.40M 1,856.19M 1,964.23M 1,796.25M 1,526.41M 1,468.29M 1,284.13M 1,134.14M
Accounts Payable 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 7.76M 0.00M 0.00M 0.00M
Short-Term Debt 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Tax Payables 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Deferred Revenue 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Other Current Liabilities 0.00M 1,752.63M 1,752.63M 1,559.95M 1,549.74M 1,685.87M 1,536.71M 1,276.19M 1,337.36M 1,155.64M 1,014.93M
Total Current Liabilities 0.00M 1,752.63M 1,752.63M 1,559.95M 1,549.74M 1,685.87M 1,536.71M 1,283.95M 1,337.36M 1,155.64M 1,014.93M
Long-Term Debt 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Capital Lease Obligations 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Deferred Tax Liabilities 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Other Non-Current Liabilities 0.00M 29.55M 29.55M 38.92M 39.75M 35.73M 21.72M 18.49M 7.67M 10.42M 15.20M
Total Non-Current Liabilities 0.00M 29.55M 29.55M 38.92M 39.75M 35.73M 21.72M 18.49M 7.67M 10.42M 15.20M
Total Liabilities 0.00M 1,782.18M 1,782.18M 1,598.88M 1,589.49M 1,721.60M 1,558.43M 1,302.45M 1,345.03M 1,166.07M 1,030.13M
Preferred Stock 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Common Stock -8.79M 0.26M 0.26M 0.26M 0.26M 0.26M 0.26M 0.26M 0.00M 0.00M 0.00M
Retained Earnings 199.72M 201.38M 201.38M 187.73M 173.04M 151.09M 140.81M 139.73M 134.36M 116.39M 103.02M
Accumulated OCI 8.22M 7.05M 7.05M 4.94M -9.57M -11.18M -5.13M -17.37M -11.10M -8.99M -9.67M
Minority Interest 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Total Shareholders’ Equity 199.15M 208.69M 208.69M 192.94M 163.73M 140.17M 135.95M 122.62M 123.26M 107.41M 93.35M
Total Equity 199.15M 208.69M 208.69M 192.94M 163.73M 140.17M 135.95M 122.62M 123.26M 107.41M 93.35M
Total Liabilities & Equity 199.15M 1,990.86M 1,990.86M 1,791.81M 1,753.22M 1,861.77M 1,694.38M 1,425.07M 1,468.29M 1,273.47M 1,123.48M
Tangible Assets 2,230.08M 2,083.08M 2,083.08M 1,881.57M 1,845.30M 1,952.94M 1,787.12M 1,516.96M 1,458.47M 1,273.96M 1,128.40M
Tangible Equity 185.92M 195.35M 195.35M 179.11M 152.84M 128.88M 126.81M 113.17M 113.44M 97.24M 87.61M
Tangible Book Value 185.92M 195.35M 195.35M 179.11M 152.84M 128.88M 126.81M 113.17M 113.44M 97.24M 87.61M
Total Investments 254.51M 1,873.49M 1,873.49M 1,626.57M 1,602.20M 1,490.35M 1,360.16M 1,239.52M 1,137.36M 1,079.26M 1,016.95M
Net Debt -228.55M -119.39M -119.39M -151.55M -148.31M -372.59M -324.78M -155.52M -228.03M -111.41M -39.53M

Capital Metrics

Metric MRQ MRQ-1 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
Working Capital 2,097.0M -1,336.3M -1,336.3M -1,143.4M -962.6M -826.9M -943.3M -1,049.2M -1,018.3M -952.3M -890.2M
Total Capital 314.2M 314.2M 314.2M 296.5M 266.7M 242.6M 237.8M 224.0M 123.3M 118.1M 104.0M
Capital Employed 2,243.3M 343.8M 343.8M 335.5M 306.5M 278.4M 259.5M 242.5M 130.9M 128.5M 119.2M
Invested Capital 85.6M 194.9M 194.9M 145.0M 118.4M -130.0M -87.0M 68.4M -104.8M 6.7M 64.5M

Cash Flow Statement

Metric TTM TTM-1 2024-12-31 2024-06-30 2023-06-30 2022-06-30 2021-06-30 2020-06-30 2019-06-30 2018-06-30 2017-06-30
Net Income 19.84M 18.15M 19.20M 15.26M 21.95M 10.28M 1.08M 5.20M 7.31M 11.50M 5.63M
Depreciation & Amortization 1.78M 2.55M 2.51M 2.60M 2.70M 2.74M 2.86M 2.91M 2.81M 2.64M 1.96M
Deferred Income Tax -2.28M 0.61M 0.00M -0.19M 0.86M 0.71M -1.20M -3.49M -0.06M 2.08M -0.12M
Stock-Based Compensation 1.45M 0.99M 1.94M 0.63M 0.51M 0.58M 0.53M 1.00M 0.00M 0.00M 0.00M
Change in Working Capital -1.66M -16.21M 3.54M -0.84M 0.78M 34.65M 26.09M -14.71M -22.23M 2.96M 1.90M
Accounts Receivable -1.31M -0.54M -0.76M -0.37M -2.57M -0.58M -0.58M 0.91M -0.52M -0.60M -0.64M
Inventory 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Accounts Payable 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Other Working Capital -0.35M -15.66M 4.30M -0.48M 3.35M 35.23M 26.67M -15.61M -21.71M 3.56M 2.54M
Other Non-Cash Items 4.09M 7.22M 6.52M 6.39M -0.52M 1.00M 3.30M 11.12M 18.30M 3.83M 2.49M
Net Cash from Operating Activities 23.21M 13.32M 33.71M 23.85M 26.27M 49.97M 32.65M 2.03M 6.13M 23.01M 11.87M
Capital Expenditures (PPE) -2.73M -0.59M -1.51M -0.84M -0.45M -0.78M -0.60M -1.70M -2.28M -8.02M -9.37M
Acquisitions (Net) 2.25M 0.00M -1.98M -1.98M 0.00M -1.66M 0.00M 0.00M 0.00M -4.70M -5.81M
Purchases of Investments -230.22M -50.21M 0.00M -36.74M -144.25M -360.61M -254.81M -81.32M -72.21M -80.50M -40.87M
Sales / Maturities of Investments 225.50M 214.66M 0.00M 223.81M 190.49M 114.57M 68.34M 89.67M 66.79M 72.21M 61.71M
Other Investing Activities -220.58M -202.17M -308.31M -202.30M -160.66M 100.44M 61.96M -116.12M -70.31M -57.70M -145.71M
Net Cash from Investing Activities -225.78M -38.30M -311.80M -18.05M -114.87M -148.03M -125.11M -109.47M -78.02M -78.70M -140.04M
Net Debt Issuance -0.09M -0.10M -0.10M -0.10M -0.11M 0.00M 0.00M 0.00M 0.00M -5.00M -12.00M
Long-Term Debt Issuance -0.09M -0.10M -0.10M -0.10M -0.11M 0.00M 0.00M 0.00M 0.00M -5.00M -12.00M
Short-Term Debt Issuance 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Net Stock Issuance -12.81M -2.29M -6.29M -1.08M 0.00M 0.00M 0.00M 109.06M 0.00M 0.00M 0.00M
Common Stock Issuance 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 109.06M 0.00M 0.00M 0.00M
Common Stock Repurchased -12.81M -2.29M -6.29M -1.08M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Preferred Stock Issuance 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Net Dividends Paid 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Common Dividends Paid 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Preferred Dividends Paid 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Other Financing Activities 219.04M 35.90M 147.15M 10.09M -136.86M 149.16M 260.51M -74.81M 181.72M 140.71M 145.91M
Net Cash from Financing Activities 206.15M 33.51M 140.76M 8.91M -136.98M 149.16M 260.51M 34.24M 181.72M 135.71M 133.91M
Effect of FX on Cash 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Net Change in Cash 132.03M 8.43M 14.71M 14.71M -225.58M 51.10M 168.06M -73.21M 109.83M 80.02M 5.74M
Cash at Beginning of Period 583.19M 767.91M 150.48M 150.48M 376.06M 324.96M 156.90M 230.11M 120.28M 40.26M 34.52M
Cash at End of Period 586.77M 776.34M 165.19M 165.19M 150.48M 376.06M 324.96M 156.90M 230.11M 120.28M 40.26M
Operating Cash Flow 23.21M 13.32M 33.71M 23.85M 26.27M 49.97M 32.65M 2.03M 6.13M 23.01M 11.87M
Capital Expenditure -2.73M -0.59M -1.51M -0.84M -0.45M -0.78M -0.60M -1.70M -2.28M -8.02M -9.37M
Free Cash Flow 20.47M 12.73M 32.20M 23.01M 25.82M 49.19M 32.06M 0.32M 3.85M 14.99M 2.50M

Free Cash Flow

Metric TTM TTM-1 2024-12-31 2024-06-30 2023-06-30 2022-06-30 2021-06-30 2020-06-30 2019-06-30 2018-06-30 2017-06-30
EBITDA 48.85M 48.13M 75.47M 44.83M 52.38M 36.82M 27.98M 34.81M 24.50M 33.58M 22.97M
(-) Tax Adjustment 10.67M 10.63M 17.09M 9.58M 11.11M 8.44M 9.79M 4.63M 2.24M 11.75M 7.47M
(-) Change In Working Capital -1.66M -16.21M 3.54M -0.84M 0.78M 34.65M 26.09M -14.71M -22.23M 2.96M 1.90M
(-) Capital Expenditure -2.73M -0.59M -1.51M -0.84M -0.45M -0.78M -0.60M -1.70M -2.28M -8.02M -9.37M
Unlevered Free Cash Flow 37.11M 53.11M 53.33M 35.25M 40.04M -7.06M -8.50M 43.18M 42.21M 10.85M 4.24M
(-) Net Interest Income After Taxes 46.03M 53.38M 0.00M 52.29M 51.64M 32.66M 27.18M 42.30M 45.13M 28.15M 23.76M
Net Debt Issuance -0.09M -0.10M -0.10M -0.10M -0.11M 0.00M 0.00M 0.00M 0.00M -5.00M -12.00M
Levered Free Cash Flow -9.01M -0.37M 53.23M -17.15M -11.72M -39.72M -35.68M 0.88M -2.92M -22.29M -31.52M