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Discontinued — last reported Q4 '25

Total debt at other companies

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KeyCorpKEY
$17.03B+15.7%
Trustco Bank Corp logo
Trustco Bank CorpTRST
$144.74M+18.9%
Community Financial System logo
Community Financial SystemCBU
$598M+4.1%
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Colony BankcorpCBAN
$233.17M-6.0%
Citizens & Northern logo
Citizens & NorthernCZNC
$14.64M+2,647%
First Bancorp logo
First BancorpFNLC
$214.07M+9.1%

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 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

Calculated from Pioneer Bancorp, Inc.’s reported figures.

Plus components not separately reported this period.

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

Filed
Mar 12, 2026, 4:31 PM EDT
Fiscal year
FY2025
Accession
0001104659-26-027092

FAQ

What is Pioneer Bancorp, Inc.'s total debt?
Pioneer Bancorp, Inc. (PBFS) reported total debt of $54.42M in Q4 2025.
How has Pioneer Bancorp, Inc.'s total debt changed year-over-year?
Pioneer Bancorp, Inc.'s total debt increased by 20.3% year-over-year, from $45.24M to $54.42M.
What is the long-term trend for Pioneer Bancorp, Inc.'s total debt?
Over 3 years (2022 to 2025), Pioneer Bancorp, Inc.'s total debt has grown at a 101.3% compound annual growth rate (CAGR), from $6.67M to $54.42M.
What does total debt mean?
Total debt represents the aggregate sum of all interest-bearing financial obligations, including short-term borrowings, the current portion of long-term debt, and long-term debt instruments. It also encompasses capitalized lease liabilities and other debt-like financing arrangements that require fixed repayment schedules. This metric serves as a comprehensive indicator of a company's total financial leverage and its reliance on external capital providers.

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