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Pioneer Bancorp, Inc. PBFS Unrealized Gains on Investments

Unrealized Gains on Investments at other companies

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Trustco Bank CorpTRST
$314K-40.5%
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$151K-69.6%
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$290K+58.5%
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Capital City Bank GroupCCBG
$136K-88.8%
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Northwest BancsharesNWBI
$4.45M-3.5%
Mid Penn Bancorp logo
Mid Penn BancorpMPB
$2.15M+26.7%

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$429.31M+36.7%
P/E25.5×+8.8×
P/S4.2×+0.6×

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:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax.

The source filing: Pioneer Bancorp, Inc.’s 10-Q, filed August 10, 2026.

Filed
Aug 10, 2026, 4:46 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001104659-26-093436
June 30, 2026Amortized / CostGross / Unrealized / GainsGross / Unrealized / LossesEstimated / Fair Value
U.S. Government agency securities20,06455(171)19,948
Government-sponsored enterprises43,782230(57)43,955
Municipal obligations5,500(4)5,496
Total available for sale securities$201,013$860$(977)$200,896
December 31, 2025
U.S. Treasury$54,483$275$(6)$54,752
Mortgage-backed securities:
U.S. Government agency securities36,743384(423)36,704

Item 1. – Consolidated Financial Statements-unaudited

FAQ

What is Pioneer Bancorp, Inc.'s unrealized gains on investments?
Pioneer Bancorp, Inc. (PBFS) reported unrealized gains on investments of $860K in Q2 2026.
How has Pioneer Bancorp, Inc.'s unrealized gains on investments changed year-over-year?
Pioneer Bancorp, Inc.'s unrealized gains on investments increased by 6.3% year-over-year, from $809K to $860K.
What is the long-term trend for Pioneer Bancorp, Inc.'s unrealized gains on investments?
Over 5 years (2020 to 2025), Pioneer Bancorp, Inc.'s unrealized gains on investments has grown at a 39.8% compound annual growth rate (CAGR), from $444K to $2.37M.
What does unrealized gains on investments mean?
This represents the positive difference between the current fair market value and the original cost basis of investment securities held by the bank. These gains are typically recorded in accumulated other comprehensive income and do not impact current net income until realized. It provides insight into the market performance of the bank's investment portfolio and potential future capital gains.

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