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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$434.33M+38.3%
P/E25.8×+9.1×
P/S4.3×+0.7×

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:PaymentsForRepurchaseOfCommonStock.

The source filing: Pioneer Bancorp, Inc.’s 10-K, filed March 12, 2026.

Filed
Mar 12, 2026, 4:31 PM EDT
Fiscal year
FY2025
Accession
0001104659-26-027092
Line itemFor the Year Ended / December 31, 2025For the Six Months Ended / December 31, 2024For the Six Months Ended / December 31, 2023For the Year Ended / June 30, 2024
Proceeds from exercise of stock options76
Proceeds from FHLBNY borrowings, net10,00040,000
Payments on acquisition contingent consideration(750)(750)(124)(124)
Repurchase of common stock(11,294)(3,146)(1,075)
Purchase of employee restricted shares to fund statutory tax withholding(145)
Repayment of finance lease liability(88)(53)(50)(102)
Net cash provided by (used in) financing activities151,82670,378(20,548)8,913
Net increase (decrease) in cash and cash equivalents37,154(68,669)(10,844)14,712

ITEM 8.Financial Statements and Supplementary Data

FAQ

What is Pioneer Bancorp, Inc.'s share buybacks?
Pioneer Bancorp, Inc. (PBFS) reported share buybacks of $417K in Q4 2025.
How has Pioneer Bancorp, Inc.'s share buybacks changed year-over-year?
Pioneer Bancorp, Inc.'s share buybacks decreased by 51.3% year-over-year, from $856K to $417K.
What does share buybacks mean?
Cash used to buy back the company's own shares on the open market or through structured programs, reducing shares outstanding.

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