What is Pioneer Bancorp, Inc.'s restricted cash?

Pioneer Bancorp, Inc. (PBFS) reported restricted cash of $0 in Q4 2025.

What does restricted cash mean?

Cash restricted for specific purposes by contractual, regulatory, or legal requirements — not available for general corporate use.

Pioneer Bancorp, Inc. PBFS Restricted Cash

Restricted Cash at other companies

Community Financial SystemCBU

$14.76M+189%

Home BancorpHBCP

$0—

Capital City Bank GroupCCBG

$100K0.0%

Provident Financial ServicesPFS

$0—

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:CashReserveDepositRequiredAndMade.

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 restricted cash?: Pioneer Bancorp, Inc. (PBFS) reported restricted cash of $0 in Q4 2025.
What does restricted cash mean?: Cash restricted for specific purposes by contractual, regulatory, or legal requirements — not available for general corporate use.