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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:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest.

The source filing: Pioneer Bancorp, Inc.’s 10-Q, filed August 10, 2026.

Filed
Aug 10, 2026, 4:46 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001104659-26-093436
Line itemFor the Three Months Ended / June 30, 2026For the Three Months Ended / June 30, 2025For the Six Months Ended / June 30, 2026For the Six Months Ended / June 30, 2025
Professional fees4,0251,8458,6763,780
Other3,9758654,9451,716
Total noninterest expense22,18214,72740,30229,318
Income before income taxes4,7858,13710,49115,554
Income tax expense1,3011,6861,7173,340
Net income$3,484$6,451$8,774$12,214
Net earnings per common share:
Basic$0.14$0.26$0.36$0.49

Item 1. – Consolidated Financial Statements-unaudited

FAQ

What is Pioneer Bancorp, Inc.'s pre-tax income?
Pioneer Bancorp, Inc. (PBFS) reported pre-tax income of $4.79M in Q2 2026.
How has Pioneer Bancorp, Inc.'s pre-tax income changed year-over-year?
Pioneer Bancorp, Inc.'s pre-tax income decreased by 41.2% year-over-year, from $8.14M to $4.79M.
What is the long-term trend for Pioneer Bancorp, Inc.'s pre-tax income?
Over 2 years (2023 to 2025), Pioneer Bancorp, Inc.'s pre-tax income has grown at a -2.5% compound annual growth rate (CAGR), from $27.86M to $26.49M.
What does pre-tax income mean?
Total income from all sources — operating income plus non-operating items like interest income, investment gains, and other income — before the provision for income taxes.

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