Pioneer Bancorp (PBFS) Balance Sheet: Assets & Liabilities

Pioneer Bancorp (PBFS) Balance Sheet

As of Jun 30, 2026 (end of fiscal 2026), Pioneer Bancorp reported total assets of $2.15B and total liabilities of $1.83B. Shareholders' equity was $323.86M, flat from $323.86M a year earlier. Total debt stood at $0.00 against $185.24M in cash and short-term investments, a net cash position of $185.24M. That puts debt-to-equity at 0.00.

Pioneer Bancorp Balance Sheet Analysis

Values in billions USD

Income Statement Balance Sheet Cash Flow Ratios

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Balance sheet showing assets, liabilities, and shareholders' equity for Pioneer Bancorp, Inc. (PBFS) - Annual data in billions 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
Current Assets
Cash and Cash Equivalents	0.13	0.13	0.12	0.17	0.15	0.37	0.32	0.16	0.23	0.11	0.04
Short-Term Investments	0.05	0.05	0.29	0.26	0.43	0.48	0.26	0.08	0.09	0.09	0.08
Cash & Short-Term Investments	0.19	-	0.41	0.41	0.58	0.85	0.59	0.23	0.31	0.20	0.12
Accounts Receivable	0.01	0.01	0.01	0.01	0.01	0.00	0.00	0.00	0.00	0.00	0.00
Inventory	0.00	-	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Current Assets	0.00	-	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Current Assets	0.19	-	0.42	0.42	0.59	0.86	0.59	0.23	0.32	0.20	0.12
Non-Current Assets
Property, Plant & Equipment (Net)	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04
Long-Term Investments	1.85	0.02	1.59	0.02	1.17	0.02	1.10	1.16	1.05	0.99	0.93
Goodwill	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Intangible Assets	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Non-Current Assets	0.05	-	0.05	0.06	0.05	0.05	0.06	0.08	0.05	0.04	0.03
Total Non-Current Assets	1.96	-	1.68	1.48	1.27	1.11	1.20	1.29	1.15	1.08	1.01
Total Assets	2.15	2.15	2.10	1.90	1.86	1.96	1.80	1.53	1.47	1.28	1.13
Current Liabilities
Accounts Payable	0.00	-	0.00	0.00	0.00	0.00	0.00	0.01	0.00	0.00	0.00
Other Current Liabilities	1.75	-	1.75	1.56	1.55	1.69	1.54	1.28	1.34	1.16	1.01
Total Current Liabilities	1.75	-	1.75	1.56	1.55	1.69	1.54	1.28	1.34	1.16	1.01
Non-Current Liabilities
Long-Term Debt	0.00	-	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Non-Current Liabilities	0.08	-	0.03	0.04	0.04	0.04	0.02	0.02	0.01	0.01	0.02
Total Non-Current Liabilities	0.08	-	0.03	0.04	0.04	0.04	0.02	0.02	0.01	0.01	0.02
Total Liabilities	1.83	1.83	1.78	1.60	1.59	1.72	1.56	1.30	1.35	1.17	1.03
Stockholders' Equity
Common Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Retained Earnings	0.20	0.20	0.20	0.19	0.17	0.15	0.14	0.14	0.13	0.12	0.10
Accumulated Other Comprehensive Income	0.01	0.01	0.01	0.00	-0.01	-0.01	-0.01	-0.02	-0.01	-0.01	-0.01
Additional Paid-in Capital	0.11	0.12	0.11	0.11	0.10	0.11	0.11	0.10	0.00	0.01	0.01
Shares Outstanding	-	0.03	-	0.03	0.03	0.03	0.03	-	-	-	-
Total Stockholders' Equity	0.32	0.32	0.31	0.30	0.27	0.24	0.24	0.22	0.12	0.12	0.10
Total Liabilities & Equity	2.15	2.15	2.10	1.90	1.86	1.96	1.80	1.53	1.47	1.28	1.13

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 Balance Sheet

How much debt does Pioneer Bancorp have?

Pioneer Bancorp had total debt of $0.00 as of Jun 30, 2026, against $185.24M in cash and short-term investments. Its debt-to-equity ratio was 0.00.

What are Pioneer Bancorp's total assets?

Pioneer Bancorp reported total assets of $2.15B as of Jun 30, 2026, flat from $2.15B a year earlier. Total liabilities were $1.83B.

What is Pioneer Bancorp's shareholders' equity?

Pioneer Bancorp's shareholders' equity was $323.86M as of Jun 30, 2026.

What is the debt-to-equity ratio?

The debt-to-equity ratio divides a company's total debt by its shareholders' equity. It shows how much of the business is financed with borrowed money; normal levels vary widely by industry. Full definition