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Pioneer Bancorp, Inc. PBFS Net Interest Income (After Provisions)

Net Interest Income (After Provisions) 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:InterestIncomeExpenseAfterProvisionForLoanLoss.

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
Total interest expense9,0197,39816,64414,163
Net interest income22,85319,60843,59938,691
Provision for credit losses1,3501,5502,1302,350
Net interest income after provision for credit losses21,50318,05841,46936,341
Noninterest income:
Bank fees and service charges1,8411,6093,3062,973
Insurance and wealth management services2,8032,5135,2744,839
Net gain on sale of loans187187

Item 1. – Consolidated Financial Statements-unaudited

FAQ

What is Pioneer Bancorp, Inc.'s net interest income (after provisions)?
Pioneer Bancorp, Inc. (PBFS) reported net interest income (after provisions) of $21.5M in Q2 2026.
How has Pioneer Bancorp, Inc.'s net interest income (after provisions) changed year-over-year?
Pioneer Bancorp, Inc.'s net interest income (after provisions) increased by 19.1% year-over-year, from $18.06M to $21.5M.
What is the long-term trend for Pioneer Bancorp, Inc.'s net interest income (after provisions)?
Over 4 years (2021 to 2025), Pioneer Bancorp, Inc.'s net interest income (after provisions) has grown at a 18.9% compound annual growth rate (CAGR), from $37.77M to $75.45M.
What does net interest income (after provisions) mean?
This metric represents the net interest income remaining after accounting for the provision for credit losses. It provides a more accurate view of the bank's core earnings power by adjusting for the expected cost of credit risk inherent in the loan portfolio.

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