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Pioneer Bancorp, Inc. PBFS Deposit Liabilities Reclassified as Loans Receivable

Deposit Liabilities Reclassified as Loans Receivable at other companies

First Commonwealth Financial logo
First Commonwealth FinancialFCF
$800K-11.1%
Pioneer Bancorp, Inc. logo
Pioneer Bancorp, Inc.PBFS
$102K-57.1%
Bank of Marin Bancorp logo
Bank of Marin BancorpBMRC
$282K-28.2%
First BanCorp logo
First BanCorpFBP
$3M+50.0%
NewtekOne, Inc. logo
NewtekOne, Inc.NEWT
$90K+8,900%
Popular logo
PopularBPOP
$9.2M-63.1%

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:DepositLiabilitiesReclassifiedAsLoansReceivable1.

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 deposit liabilities reclassified as loans receivable?
Pioneer Bancorp, Inc. (PBFS) reported deposit liabilities reclassified as loans receivable of $102K in Q4 2025.
How has Pioneer Bancorp, Inc.'s deposit liabilities reclassified as loans receivable changed year-over-year?
Pioneer Bancorp, Inc.'s deposit liabilities reclassified as loans receivable decreased by 57.1% year-over-year, from $238K to $102K.
What does deposit liabilities reclassified as loans receivable mean?
This represents deposit liabilities that have been reclassified as loans receivable due to specific contractual or regulatory conditions, such as overdrafts or specific credit-linked deposit agreements. This reclassification reflects the transformation of a liability into an asset based on the underlying credit risk exposure. It is a critical metric for understanding the true nature of balance sheet exposures.