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Pioneer Bancorp, Inc. PBFS Accretion (Amortization) of Discounts and Premiums, Investments

Accretion (Amortization) of Discounts and Premiums, Investments 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$429.31M+36.7%
P/E25.5×+8.8×
P/S4.2×+0.6×

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:AccretionAmortizationOfDiscountsAndPremiumsInvestments.

The source filing: Pioneer Bancorp, Inc.’s 10-Q, filed May 11, 2026.

Filed
May 11, 2026, 4:16 PM EDT
Fiscal quarter
Q1 FY2026
Calendar quarter
Q1 2026
Accession
0001104659-26-058663
Line itemFor the Three Months Ended / March 31, 2026For the Three Months Ended / March 31, 2025
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization608583
Provision for credit losses780800
Net accretion on securities(814)(1,187)
ESOP compensation179148
(Earnings) loss on bank-owned life insurance(6)30
Loss on sale or disposal of premises and equipment, net4
Gain on termination of finance lease, net(2)

Item 1. – Consolidated Financial Statements-unaudited

FAQ

What is Pioneer Bancorp, Inc.'s accretion (amortization) of discounts and premiums, investments?
Pioneer Bancorp, Inc. (PBFS) reported accretion (amortization) of discounts and premiums, investments of $814K in Q1 2026.
How has Pioneer Bancorp, Inc.'s accretion (amortization) of discounts and premiums, investments changed year-over-year?
Pioneer Bancorp, Inc.'s accretion (amortization) of discounts and premiums, investments decreased by 31.4% year-over-year, from $1.19M to $814K.
What does accretion (amortization) of discounts and premiums, investments mean?
This reflects the periodic adjustment to the carrying value of investment securities purchased at a price different from their face value. It reconciles the difference between the purchase price and the maturity value over the life of the security, impacting interest income recognition.

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