PBFS · XBRL financial data
Pioneer Bancorp financial statements, every fiscal year
The same tables from 6 filings, lined up. Matched by XBRL tag: renamed lines keep their history.
How these numbers work
- Every number comes from the company's XBRL financial data filed with the SEC, and each one links to its filing.
- Lines are matched by XBRL tag, so a line renamed between filings keeps its history.
- * marks a quarter worked out from the filing totals: the 10-K year minus the first three quarters, or a year-to-date total minus the earlier one. Fourth-quarter earnings per share is fourth-quarter net income over the fourth-quarter weighted shares.
- 0 means a filing states zero; a dash (—) means no filing states that number.
- “year only” means the 10-K gives the full year but not the quarters needed to work out the fourth. A worked-out quarter of revenue, cost of revenue or operating cash flow more than twice the company's largest quarter of the two years before is shown this way too.
- Gross profit is shown as the company reports it; a worked-out quarter must equal revenue less cost of revenue for that quarter, or it is a dash.
- Operating income can be above gross profit when the company books other operating income between the two, shown on its own line.
- Shares outstanding come from each filing's cover page, as of the date printed there.
- Quarters are fiscal: Q2 FY27 is the second quarter of the company's fiscal 2027.
Income statement
CSVFiscal years (PBFS's year ends in late December)
| In millions of dollars | Jun 30, 2021 | Jun 30, 2022 | Jun 30, 2023 | Jun 30, 2024 | Dec 31, 2024 | Dec 31, 2025 |
|---|---|---|---|---|---|---|
| Revenue from contracts with customers | 13 | 13 | 13 | 15 | — | 16 |
| Interest expense | 2 | 1 | 5 | 22 | — | — |
| Income tax expense (benefit) | 2 | 3 | 6 | 4 | — | 6 |
| Net income (loss) | 1 | 10 | 22 | 15 | — | 20 |
| Earnings per share, basic USD per share | 0.04 | 0.41 | 0.87 | 0.61 | — | 0.83 |
| Earnings per share, diluted USD per share | 0.04 | 0.41 | 0.87 | 0.61 | — | 0.83 |
| Weighted average shares, basic millions of shares | 25 | 25 | 25 | 25 | — | 24 |
| Weighted average shares, diluted millions of shares | 25 | 25 | 25 | 25 | — | 25 |
Balance sheet
CSVFiscal years (PBFS's year ends in late December)
| In millions of dollars | Jun 30, 2021 | Jun 30, 2022 | Jun 30, 2023 | Jun 30, 2024 | Dec 31, 2024 | Dec 31, 2025 |
|---|---|---|---|---|---|---|
| Cash and cash equivalents | 325 | 376 | 150 | 165 | 97 | 134 |
| Property and equipment, net | 39 | 37 | 36 | 34 | 31 | 32 |
| Right-of-use asset | — | — | 5 | 5 | 4 | 4 |
| Goodwill | 7 | 9 | 9 | 11 | 11 | 10 |
| Total assets | 1,796 | 1,964 | 1,856 | 1,895 | 1,980 | 2,151 |
| Total deposits | 1,531 | 1,680 | 1,542 | 1,550 | 1,586 | 1,739 |
| Total liabilities | 1,558 | 1,722 | 1,589 | 1,599 | 1,675 | 1,827 |
| Retained earnings | 141 | 151 | 173 | 188 | 194 | 203 |
| Total stockholders' equity | 238 | 243 | 267 | 297 | 305 | 324 |
| Total liabilities and equity | 1,796 | 1,964 | 1,856 | 1,895 | 1,980 | 2,151 |
| Common shares outstanding (cover page) millions of shares | 26 | 26 | 26 | 26 | 26 | 25 |
Cash flows
CSVFiscal years (PBFS's year ends in late December)
| In millions of dollars | Jun 30, 2021 | Jun 30, 2022 | Jun 30, 2023 | Jun 30, 2024 | Dec 31, 2024 | Dec 31, 2025 |
|---|---|---|---|---|---|---|
| Net income (loss) | 1 | 10 | 22 | 15 | — | 20 |
| Stock-based compensation | — | — | — | 0 | — | 1 |
| Depreciation and amortization | 3 | 2 | 2 | 2 | — | 2 |
| Net cash from operating activities | 33 | 50 | 26 | 24 | — | 11 |
| Purchases of property and equipment | 1 | 1 | 0 | 1 | — | — |
| Net cash from investing activities | (125) | (148) | (115) | (18) | — | (126) |
| Share repurchases | — | — | — | 1 | — | 11 |
| Net cash from financing activities | 261 | 149 | (137) | 9 | — | 152 |
| Net change in cash | 168 | 51 | (226) | 15 | — | 37 |
Compare with peers
SIC 6036 and related industry codes, similar size. Each row is the latest quarter reported.
How peers are chosen
- SIC 6036 and related industry codes with public float (or, where float is missing, quarterly revenue) between 0.2x and 5x the company's.
- Each row is the latest quarter the company has reported, named in the Quarter column; when that filing is a 10-K, it is the fourth quarter, never the full year.
- * marks a quarter worked out from the filing totals: for a 10-K, the year less the first three quarters; for a 10-Q, the year-to-date total less the earlier one.
- A cell reading “not reported” means the filings give no figure for that quarter alone.
| Company | Cash ($M) | Revenue, quarter ($M) | Operating cash flow, quarter ($M) | Shares outstanding | Quarter |
|---|---|---|---|---|---|
| Pioneer Bancorp | 95 | 4.3 | 15* | 24.8M | 10-QJun 30, 2026 |
| SR Bancorp | 71 | not reported | 3.9* | 7.9M | 10-KJun 30, 2026 |
| BV Financial | 69 | not reported | 4.4* | 8.5M | 10-QJun 30, 2026 |
| Finward Bancorp | 17 | not reported | 4.7* | 4.3M | 10-QJun 30, 2026 |
| ECB Bancorp | 2.9 | 0.2 | 12* | 8.7M | 10-QJun 30, 2026 |
| Riverview Bancorp | 102 | not reported | 2 | 20.0M | 10-QJun 30, 2026 |
| BCB Bancorp | 197 | not reported | 9.6* | 18.1M | 10-QJun 30, 2026 |
| First Capital | 21 | 1.9 | 4.3* | 3.3M | 10-QJun 30, 2026 |
| First Northern Community Bancorp | 113 | not reported | 3.5* | 16.4M | 10-QJun 30, 2026 |
Not investment advice. Not affiliated with the U.S. SEC.