What does servicing asset valuation reserve mean?

This represents the valuation allowance established against mortgage servicing rights to account for potential impairment in value. It reflects management's assessment of risks associated with the underlying loan portfolio's performance and market interest rate fluctuations. A higher reserve indicates increased caution regarding the recoverability of servicing asset book values.

Pioneer Bancorp, Inc. PBFS Servicing Asset Valuation Reserve

Servicing Asset Valuation Reserve at other companies

Financial InstitutionsFISI

$83K+43.1%

Dime Community Bancshares DCOM

$328K+16.3%

Camden NationalCAC

$0—

Capital City Bank GroupCCBG

$0—

Lincoln Educational Services CorporationLINC

$70.35M+7.3%

PPG IndustriesPPG

$258M-21.1%

Other financials

Income statement

See full

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

See full

Operating cash flow-$161.0K+95.4%

CapEx$112.8K—

Free cash flow$6.5M—

Valuation

See full

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

See full

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:ServicingAssetValuationReserve.

The official record: Pioneer Bancorp, Inc.’s 10-K, filed March 12, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Pioneer Bancorp, Inc.'s servicing asset valuation reserve?: Pioneer Bancorp, Inc. (PBFS) reported servicing asset valuation reserve of $0 in Q4 2025.
What does servicing asset valuation reserve mean?: This represents the valuation allowance established against mortgage servicing rights to account for potential impairment in value. It reflects management's assessment of risks associated with the underlying loan portfolio's performance and market interest rate fluctuations. A higher reserve indicates increased caution regarding the recoverability of servicing asset book values.