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Pioneer Bancorp, Inc. PBFS Finance Lease Liabilities

Discontinued — last reported Q4 '25

Finance Lease Liabilities at other companies

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Other financials

Income statement

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Revenue$28.3M+16.0%
Net income$3.5M-46.0%
EPS (diluted)$0.14-46.2%

Balance sheet

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Cash & equivalents$94.6M-22.5%
Total debt$54.4M+20.3%
Total equity$328.3M+4.5%
Total assets$2.4B+12.7%

Cash flow

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Operating cash flow$14.7M+189%
CapEx$112.8K
Free cash flow$6.5M

Valuation

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Market cap$434.33M+38.3%
P/E25.8×+9.1×
P/S4.3×+0.7×

Profitability

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Net margin16.5%-5.0pp
FCF margin32.4%

Returns & leverage

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Return on equity5.2%-0.9pp
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:FinanceLeaseLiability.

The source filing: Pioneer Bancorp, Inc.’s 10-K, filed March 12, 2026.

Filed
Mar 12, 2026, 4:31 PM EDT
Fiscal year
FY2025
Accession
0001104659-26-027092
Line itemDecember 31, 2025December 31, 2024
Operating leases3,6204,352
$4,040$4,832
Lease liabilities:
Finance leases$530$596
Operating leases3,8914,640
$4,421$5,236
Other information:
Weighted-average remaining lease term for finance leases (in years)86.477.8

ITEM 8.Financial Statements and Supplementary Data

FAQ

What is Pioneer Bancorp, Inc.'s finance lease liabilities?
Pioneer Bancorp, Inc. (PBFS) reported finance lease liabilities of $530K in Q4 2025.
How has Pioneer Bancorp, Inc.'s finance lease liabilities changed year-over-year?
Pioneer Bancorp, Inc.'s finance lease liabilities decreased by 11.1% year-over-year, from $596K to $530K.
What is the long-term trend for Pioneer Bancorp, Inc.'s finance lease liabilities?
Over 3 years (2022 to 2025), Pioneer Bancorp, Inc.'s finance lease liabilities has grown at a -11.9% compound annual growth rate (CAGR), from $776K to $530K.
What does finance lease liabilities mean?
Present value of future payments on leases classified as finance leases under ASC 842 — treated similarly to debt on the balance sheet.

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