PBFS
Pioneer Bancorp, Inc.
NASDAQ · Financial Services · Banks - Regional · US
$18.54
+2.83%Income statement
| Metric | TTM | 2026 | 2025 | 2024 | 2024 |
|---|---|---|---|---|---|
| Revenue | |||||
| Total Revenue | 131.9M | 126.7M | 126.7M | 88.1M | 98.7M |
| Cost of Revenue | 33.3M | 34.1M | 34.1M | 16.5M | 24.5M |
| Gross Profit | 96.3M | 92.6M | 92.6M | 88.1M | 74.2M |
| Operating Expenses | |||||
| R&D Expense | — | — | — | — | — |
| SG&A Expense | 36.5M | 36.9M | 36.9M | 12.6M | 32.0M |
| General & Admin Expense | 35.3M | 35.9M | 35.9M | 11.7M | 31.2M |
| Selling & Marketing Expense | 1.1M | 1.0M | 1.0M | 956.0K | 729.0K |
| Other Expenses | 23.2M | 29.2M | 29.2M | 42.6M | 22.8M |
| Total Operating Expenses | 59.7M | 66.1M | 66.1M | 55.3M | 54.8M |
| Cost and Expenses | 106.2M | 100.2M | 100.2M | 55.3M | 79.3M |
| Operating Income (EBIT) | 29.9M | 26.5M | 26.5M | 32.9M | 19.4M |
| Non-Operating | |||||
| Interest Income | 105.7M | 109.5M | 109.5M | 52.9M | 88.3M |
| Interest Expense | 28.8M | 30.4M | 30.4M | 14.2M | 21.8M |
| Net Interest Income | 76.9M | 79.1M | 79.1M | 38.7M | 66.5M |
| Other Non-Op Income/Expense | (4.2M) | — | — | (8.0M) | — |
| Non-Operating Income (excl Interest) | — | — | — | 32.9M | — |
| EBT (Pre-Tax Income) | 25.7M | 26.5M | 26.5M | 24.8M | 19.4M |
| Income Tax Expense | 6.2M | 6.2M | 6.2M | 5.6M | 4.1M |
| Bottom Line | |||||
| Net Income | 19.4M | 20.3M | 20.3M | 19.2M | 15.3M |
| Earnings from Cont. Ops | 19.4M | 20.3M | 20.3M | 19.2M | 15.3M |
| Earnings from Discont. Ops | — | — | — | — | — |
| Bottom Line Net Income | 19.4M | 20.3M | 20.3M | 19.2M | 15.3M |
| Per Share | |||||
| Basic EPS | $0.79 | $0.83 | $0.83 | $0.76 | $0.61 |
| Diluted EPS | $0.79 | $0.83 | $0.83 | $0.76 | $0.61 |
| Revenue Per Share | $5.42 | $5.18 | $5.18 | $3.51 | $3.92 |
| Shares | |||||
| Basic Shares Outstanding | 24.3M | 24.5M | 24.5M | 25.1M | 25.2M |
| Diluted Shares Outstanding | 24.3M | 24.6M | 24.6M | 25.1M | 25.2M |
| Profitability Metrics | |||||
| EBITDA | 32.6M | 28.4M | 28.4M | 2.5M | 22.0M |
| D&A | 1.9M | 1.9M | 1.9M | 2.5M | 2.6M |
| EBIT | 30.7M | 26.5M | 26.5M | 15.6M | 19.4M |
As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Jun 1, 2026