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Pioneer Bancorp, Inc. PBFS Data processing and equipment

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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:InformationTechnologyAndDataProcessing.

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
Noninterest expense:
Salaries and employee benefits9,9578,50618,70116,800
Net occupancy and equipment2,0711,8404,1143,788
Data processing1,2268942,2561,738
Advertising and marketing372306576549
Insurance premiums302245542496
Federal Deposit Insurance Corporation insurance premiums254226492451
Professional fees4,0251,8458,6763,780

Item 1. – Consolidated Financial Statements-unaudited

FAQ

What is Pioneer Bancorp, Inc.'s data processing and equipment?
Pioneer Bancorp, Inc. (PBFS) reported data processing and equipment of $1.23M in Q2 2026.
How has Pioneer Bancorp, Inc.'s data processing and equipment changed year-over-year?
Pioneer Bancorp, Inc.'s data processing and equipment increased by 37.1% year-over-year, from $894K to $1.23M.
What is the long-term trend for Pioneer Bancorp, Inc.'s data processing and equipment?
Over 4 years (2021 to 2025), Pioneer Bancorp, Inc.'s data processing and equipment has grown at a 0.2% compound annual growth rate (CAGR), from $3.69M to $3.72M.
What does data processing and equipment mean?
This includes costs associated with maintaining core banking systems, digital platforms, cybersecurity, and data processing services. It reflects the bank's ongoing investment in technology infrastructure required to support digital banking operations and operational efficiency.

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