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Pioneer Bancorp, Inc. PBFS Adjustable Rate Mortgage Loans Conversion Options

Adjustable Rate Mortgage Loans Conversion Options at other companies

OceanFirst Financial logo
OceanFirst FinancialOCFC
$1.1M-93.1%
WaFd, Inc. logo
WaFd, Inc.WAFD
43.9%-2.4pp
OceanFirst Financial logo
OceanFirst FinancialOCFC
$133.62M+32.2%
OceanFirst Financial logo
OceanFirst FinancialOCFC
$339.34M+78.8%
State Street logo
State StreetSTT
$42.37B
State Street logo
State StreetSTT
$2.45B

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 pbfs:AdjustableRateMortgageLoansConversionOptions.

The official record: Pioneer Bancorp, Inc.’s 10-Q, filed May 11, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Pioneer Bancorp, Inc.'s adjustable rate mortgage loans conversion options?
Pioneer Bancorp, Inc. (PBFS) reported adjustable rate mortgage loans conversion options of $201K in Q1 2026.
How has Pioneer Bancorp, Inc.'s adjustable rate mortgage loans conversion options changed year-over-year?
Pioneer Bancorp, Inc.'s adjustable rate mortgage loans conversion options decreased by 9.9% year-over-year, from $223K to $201K.
What is the long-term trend for Pioneer Bancorp, Inc.'s adjustable rate mortgage loans conversion options?
Over 5 years (2020 to 2025), Pioneer Bancorp, Inc.'s adjustable rate mortgage loans conversion options has grown at a -34.0% compound annual growth rate (CAGR), from $1.6M to $201K.
What does adjustable rate mortgage loans conversion options mean?
This represents the volume of adjustable-rate mortgage loans that include provisions allowing the borrower to convert to a fixed-rate loan under specific conditions. These options provide flexibility to customers but introduce prepayment and interest rate risk for the bank. Analyzing this helps investors understand the bank's exposure to customer behavior changes in response to market rate shifts.