Pioneer Bancorp, Inc. PBFS Loan Commitments With Rate Lock Agreements Held For Sale

Loan Commitments With Rate Lock Agreements Held For Sale at other companies

Tompkins FinancialTMP

$7M+48.0%

WSFS FinancialWSFS

$29.7M+63.2%

Southern First BancsharesSFST

$20.35M+41.6%

M&T BankMTB

$1.45B+10.2%

SPF

South Plains Financial, Inc.SPFI

$0—

OceanFirst FinancialOCFC

$133.62M+32.2%

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:LoanCommitmentsWithRateLockAgreementsHeldForSale.

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 loan commitments with rate lock agreements held for sale?: Pioneer Bancorp, Inc. (PBFS) reported loan commitments with rate lock agreements held for sale of $0 in Q1 2026.
What does loan commitments with rate lock agreements held for sale mean?: This metric measures the volume of mortgage loan commitments where the bank has guaranteed a specific interest rate to the borrower before the loan is closed and sold. These agreements expose the bank to the risk that market interest rates may change between the commitment date and the sale date. It is a primary indicator of the bank's mortgage banking pipeline risk.