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.

Pioneer Bancorp, Inc. PBFS Short-Term Borrowings

Short-Term Borrowings at other companies

Trustco Bank CorpTRST

$112.93M+37.3%

Colony BankcorpCBAN

$194.98M+5.4%

First BancorpFNLC

$100.3M-13.1%

Citizens & NorthernCZNC

$13.59M+2,280%

Home BancorpHBCP

$0-100%

Farmers National Banc CorpFMNB

$341M+234%

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

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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

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 us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate.

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 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.