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Pioneer Bancorp, Inc. PBFS Financing Receivable, Unamortized Loan Cost (Fee) and Purchase Premium (Discount)

Financing Receivable, Unamortized Loan Cost (Fee) and Purchase Premium (Discount) at other companies

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——

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 us-gaap:FinancingReceivableUnamortizedLoanCommitmentOriginationFeeAndPremiumDiscount.

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 financing receivable, unamortized loan cost (fee) and purchase premium (discount)?
Pioneer Bancorp, Inc. (PBFS) reported financing receivable, unamortized loan cost (fee) and purchase premium (discount) of $12M in Q1 2026.
How has Pioneer Bancorp, Inc.'s financing receivable, unamortized loan cost (fee) and purchase premium (discount) changed year-over-year?
Pioneer Bancorp, Inc.'s financing receivable, unamortized loan cost (fee) and purchase premium (discount) increased by 16.5% year-over-year, from $10.3M to $12M.
What is the long-term trend for Pioneer Bancorp, Inc.'s financing receivable, unamortized loan cost (fee) and purchase premium (discount)?
Over 2 years (2023 to 2025), Pioneer Bancorp, Inc.'s financing receivable, unamortized loan cost (fee) and purchase premium (discount) has grown at a 16.0% compound annual growth rate (CAGR), from $8.7M to $11.7M.
What does financing receivable, unamortized loan cost (fee) and purchase premium (discount) mean?
This represents the net balance of unamortized loan origination fees, costs, and purchase premiums or discounts associated with the bank's loan portfolio. These adjustments are amortized over the life of the loans to reflect the effective yield and are essential for accurate interest income recognition.