Pioneer Bancorp, Inc. (PBFS)

Nasdaq: PBFS · Savings Institutions, Not Federally Chartered · Albany, NY · filing with the SEC since 2019

Grade4.6

◀ Past 2.6● Present 5.7▶ Future 6.2

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Income statement, as filed

In thousands of US dollars (USD), as filed; per-share figures in US dollars; share counts. The fiscal year ends in December.

Income statement, by fiscal year, newest first
Fiscal year	FY 2025	FY 2024	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018
Period ending	Dec 31, 2025	Dec 31, 2024	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021	Jun 30, 2020	Jun 30, 2019	Jun 30, 2018
Report filed	Mar 12, 2026	Mar 12, 2025	Sep 25, 2024	Sep 26, 2023	Sep 23, 2022	Sep 28, 2021	Sep 28, 2020	Dec 10, 2019	·
Revenue	15,814	·	14,953	12,977	13,230	12,768	12,550	12,890	·
For lenders
Interest and dividend income	109,530	·	88,316	71,033	43,842	43,927	53,519	54,159	46,486
Interest expense on deposits and borrowings	30,382	·	21,803	5,492	·	·	·	·	·
Net interest income	79,148	·	66,513	65,541	42,378	41,817	48,788	49,679	43,300
Provision for credit losses	3,459	·	2,438	·	-550	4,050	6,790^r	18,150^r	1,970
Net interest income after provision	75,453	·	63,813	65,541	42,928	37,767	41,998^r	31,529^r	41,330
Noninterest income	17,140	·	16,330	14,148	14,074	15,750	15,682	14,407	12,804
Noninterest expense	66,104	·	60,734	51,834	43,664	50,857	51,685	37,890	36,325
For insurers
Benefits, claims and losses	993	·	913	908	819	425	·	·	·
Interest expense	·	·	21,803	5,492	1,464	2,110	4,731	4,480	3,186
Income before income taxes	26,489	·	19,409	27,855	13,338	2,660	5,995^r	8,046^r	17,809
Income tax expense	6,202	·	4,149	5,907	3,059	1,583	797^r	737^r	6,310
Net income including non-controlling interests	20,287	·	15,260	21,948	10,279	1,077	5,198^r	7,309^r	11,499
Net income	20,287	·	15,260	21,948	10,279	1,077	5,198^r	7,309^r	11,499
Earnings per share, basic	0.83	·	0.61	0.87	0.41	0.04	0.21^r	·	·
Earnings per share, diluted	0.83	·	0.61	0.87	0.41	0.04	0.21^r	·	·
Weighted average shares, basic	24,471,179	·	25,193,848	25,169,382	25,131,195	25,067,550	·	·	·
Weighted average shares, diluted	24,566,658	·	25,223,114	25,169,382	25,131,195	25,067,550	·	·	·
Weighted average shares, basic and diluted	·	·	·	·	·	25,067,550	25,013,452	·	·

As filed with the SEC, each figure from the newest report that carries it, and linked to it. Nothing here is computed.A dot is a line not tagged for that period. ^r restated by the company in a later report; ^b a share figure put on the newest basis or filed in the wrong unit. Hover a figure for its filing and note.

What each line is, and the XBRL concept behind it

Revenue what customers paid for what it soldus-gaap:RevenueFromContractWithCustomerExcludingAssessedTax

Interest and dividend income what its loans and securities earnedus-gaap:InterestAndDividendIncomeOperating

Interest expense on deposits and borrowings what it paid for the money it lendsus-gaap:InterestExpenseOperating

Net interest income interest earned less interest paidus-gaap:InterestIncomeExpenseNet

Provision for credit losses set aside for loans that may not be repaid

us-gaap:ProvisionForLoanLeaseAndOtherLosses
us-gaap:ProvisionForLoanAndLeaseLosses

Net interest income after provision interest income left after the provisionus-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss

Noninterest income fees and other income that is not interestus-gaap:NoninterestIncome

Noninterest expense salaries, buildings and the other costs of running the bankus-gaap:NoninterestExpense

Benefits, claims and losses what it paid or set aside for claimsus-gaap:PolicyholderBenefitsAndClaimsIncurredNet

Interest expense what its borrowing costus-gaap:InterestExpense

Income before income taxes profit before tax

us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments

Income tax expense tax charged on the period's profitus-gaap:IncomeTaxExpenseBenefit

Net income including non-controlling interests the whole group's profit, minority holders' share includedus-gaap:ProfitLoss

Net income the profit or loss that belongs to the company's shareholdersus-gaap:NetIncomeLoss

Earnings per share, basic net income per share outstandingus-gaap:EarningsPerShareBasic

Earnings per share, diluted net income per share, counting every share that could be issuedus-gaap:EarningsPerShareDiluted

Weighted average shares, basic the average count of shares outstandingus-gaap:WeightedAverageNumberOfSharesOutstandingBasic

Weighted average shares, diluted the average count with every share that could be issuedus-gaap:WeightedAverageNumberOfDilutedSharesOutstanding

Weighted average shares, basic and diluted the average count, where both counts are the sameus-gaap:WeightedAverageNumberOfShareOutstandingBasicAndDiluted

SI Assistanton PBFS · research, not advice