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Pioneer Bancorp, Inc. PBFS Short-Term Borrowings

Short-Term Borrowings at other companies

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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:FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate.

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

Borrowings outstanding at December 31, 2025 represented FHLBNY Advances of $50.0 million with a rate of 3.96% with an original maturity of one year or less.

ITEM 8.Financial Statements and Supplementary Data

FAQ

What is Pioneer Bancorp, Inc.'s short-term borrowings?
Pioneer Bancorp, Inc. (PBFS) reported short-term borrowings of $50M in Q4 2025.
What does short-term borrowings mean?
Bank lines of credit, revolving credit facilities, and other short-term debt instruments with maturities under one year.

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