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Pioneer Bancorp, Inc. PBFS Time deposits

Time deposits at other companies

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$2.25B+9.1%
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$2.21B+1.3%
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$1.04B-11.4%
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$76M+33.8%

Other financials

Income statement

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Revenue$24.6M+7.9%
Net income$5.3M-8.2%
EPS (diluted)$0.22-4.3%

Balance sheet

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Cash & equivalents$156.9M+12.4%
Total debt$54.4M+20.3%
Total equity$328.6M+5.8%
Total assets$2.2B+7.3%

Cash flow

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Operating cash flow-$161.0K+95.4%
CapEx$112.8K—
Free cash flow$6.5M—

Valuation

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Market cap$420.91M+46.8%
P/E21.2×+3.7×
P/S4.3×+0.9×

Profitability

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Net margin20.2%+0.8pp
FCF margin32.4%—

Returns & leverage

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Return on equity6.2%+0.8pp
Debt / equity0.2×0.0×

Where this comes from

Reported directly by Pioneer Bancorp, Inc. in its filing.

Tagged under the XBRL concept us-gaap:TimeDepositsAtOrAboveFDICInsuranceLimit.

The official record: Pioneer Bancorp, Inc.’s 10-K, filed March 12, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Pioneer Bancorp, Inc.'s time deposits?
Pioneer Bancorp, Inc. (PBFS) reported time deposits of $27.4M in Q4 2025.
How has Pioneer Bancorp, Inc.'s time deposits changed year-over-year?
Pioneer Bancorp, Inc.'s time deposits increased by 43.5% year-over-year, from $19.1M to $27.4M.
What does time deposits mean?
Time deposits, such as certificates of deposit, are interest-bearing accounts with a specified maturity date and fixed interest rate. These deposits provide the bank with predictable, longer-term funding compared to demand or savings accounts. They are a key tool for managing interest rate risk and funding long-term asset growth.