Pioneer Bancorp (PBFS) Financial Statements & Analysis

Pioneer Bancorp Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Pioneer Bancorp, Inc. income statement - Annual data in millions USD
Breakdown	FY 2026	FY 2025	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Jun 2026	Dec 2025	Sep 2025	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020	Sep 2019	Jun 2018	Jun 2017
Revenue & Gross Profit
Revenue	126.67	92.59	88.12	76.89	85.18	57.00	53.52	69.20	68.57	59.29	48.52
Cost of Revenue	34.08	-	16.51	24.50	5.49	0.91	6.16	11.52	22.63	5.16	4.81
Gross Profit	92.59	-	88.12	74.19	79.69	57.00	53.52	57.68	45.94	54.13	43.71
Operating Expenses
Research & Development	0.00	-	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	36.87	21.12	12.65	31.96	30.01	15.37	14.45	25.78	24.25	23.19	22.70
Operating Expenses	66.10	-	55.26	54.78	51.83	43.66	50.86	51.69	37.89	36.33	35.37
Operating Income	26.49	-	32.86	19.41	27.86	13.34	2.66	6.00	8.05	17.81	8.35
Other Income/Expense
Interest Income	109.53	109.53	52.85	88.32	71.03	43.84	43.93	53.52	54.16	46.49	37.62
Interest Expense	30.38	30.38	14.16	21.80	5.49	1.46	2.11	4.73	4.48	3.19	2.41
Other Income/Expense	0.00	-	-8.04	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	26.49	26.49	24.82	19.41	27.86	13.34	2.66	6.00	8.05	17.81	8.35
Income Tax Expense	6.20	6.20	5.62	4.15	5.91	3.06	1.58	0.80	0.74	6.31	2.72
Net Income	20.29	20.29	19.20	15.26	21.95	10.28	1.08	5.20	7.31	11.50	5.63
Net Income - Continuous Operations	20.29	20.29	19.20	15.26	21.95	10.28	1.08	5.20	7.31	11.50	5.63
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-	-	-
EBITDA	28.39	1.90	2.51	2.60	30.55	2.74	2.86	8.90	10.86	20.45	10.31
EBIT	-	-	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	1.90	1.90	2.51	2.60	2.70	2.74	2.86	2.91	2.81	2.64	1.96
Earnings Per Share
Basic EPS	1.00	1.00	1.00	1.00	1.00	-	-	-	1.00	1.00	1.00
Diluted EPS	1.00	1.00	1.00	1.00	1.00	-	-	-	1.00	1.00	1.00
Basic Shares Outstanding	24.47	24.47	25.10	25.19	25.17	25.13	25.07	25.01	11.17	11.17	11.17
Diluted Shares Outstanding	24.57	24.57	25.10	25.22	25.17	25.13	25.07	25.01	11.17	11.17	11.17

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Pioneer Bancorp Financial Statements

What was Pioneer Bancorp's revenue in fiscal 2026?

Pioneer Bancorp reported revenue of $126.67M in fiscal 2026 (fiscal year ended Jun 30, 2026). That was up 36.8% from $92.59M a year earlier.

Is Pioneer Bancorp profitable?

Yes. Pioneer Bancorp earned net income of $20.29M in fiscal 2026, a net margin of 16.0%. In fiscal 2025 it earned $20.29M.

What is Pioneer Bancorp's operating margin?

Pioneer Bancorp's operating income was $26.49M on revenue of $126.67M in fiscal 2026, an operating margin of 20.9%.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition