Pioneer Bancorp (PBFS) Cash Flow: Operating & Free Cash Flow

Pioneer Bancorp Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Cash flow statement showing operating, investing, and financing activities for Pioneer Bancorp, Inc. (PBFS) - 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
Operating Activities
Net Income	20.29	20.29	19.20	15.26	21.95	10.28	1.08	5.20	7.31	11.50	5.63
Depreciation & Amortization	1.90	1.90	2.51	2.60	2.70	2.74	2.86	2.91	2.81	2.64	1.96
Deferred Income Tax	-2.24	-2.24	-1.04	-0.19	0.86	0.71	-1.20	-3.49	-0.06	2.08	-0.12
Stock Based Compensation	1.89	1.89	1.94	0.63	0.51	0.58	0.53	1.00	0.00	0.00	0.00
Change in Working Capital	-13.70	-13.70	3.54	-0.84	0.78	34.65	26.09	-14.71	-22.23	2.96	1.90
Change in Accounts Receivable	-0.95	-	-0.76	-0.37	-2.57	-0.58	-0.58	0.91	-0.52	-0.60	-0.64
Change in Other Working Capital	-12.75	2.13	4.30	-0.48	3.35	35.23	0.35	-15.61	-21.71	3.56	2.54
Other Operating Activities	2.98	2.13	6.52	3.41	-0.52	2.15	0.35	11.12	18.30	3.83	2.49
Net Cash from Operating Activities	11.12	11.12	33.71	23.85	26.27	49.97	32.65	2.03	6.13	23.01	11.87
Investing Activities
Capital Expenditures	-2.32	-2.32	-1.51	-0.84	-0.45	-0.78	-0.60	-1.70	-2.28	-8.02	-9.37
Acquisitions	-0.48	-0.48	-1.98	-1.98	0.00	-1.66	0.00	0.00	0.00	-4.70	-5.81
Purchases of Investments	-138.96	-138.96	-113.90	-36.74	-144.25	-360.61	-254.81	-81.32	-72.21	-80.50	-40.87
Sales/Maturities of Investments	233.53	233.53	134.86	223.81	190.49	114.57	68.34	89.67	66.79	72.21	61.71
Other Investing Activities	-217.56	1.14	-308.31	-202.30	-160.66	100.44	61.96	-116.12	-70.31	-57.70	-145.71
Net Cash from Investing Activities	-125.79	-125.79	-311.80	-18.05	-114.87	-148.03	-125.11	-109.47	-78.02	-78.70	-140.04
Financing Activities
Debt Repayment	9.91	-0.09	-0.10	0.10	-0.11	0.00	0.00	0.00	0.00	-5.00	-12.00
Common Stock Issued	0.08	0.08	0.00	0.00	0.00	0.00	0.00	109.06	0.00	0.00	0.00
Common Stock Repurchased	-11.29	-11.29	-6.29	1.08	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Financing Activities	153.13	-0.90	147.15	-0.12	-136.86	149.16	260.51	-74.81	181.72	140.71	145.91
Net Cash from Financing Activities	151.83	151.83	140.76	8.91	-136.98	149.16	260.51	34.24	181.72	135.71	133.91
Summary
Net Change in Cash	37.15	37.15	14.71	14.71	-225.58	51.10	168.06	-73.21	109.83	80.02	5.74
Cash at Beginning of Period	96.52	96.52	150.48	150.48	376.06	324.96	156.90	230.11	120.28	40.26	34.52
Cash at End of Period	133.68	133.68	165.19	165.19	150.48	376.06	324.96	156.90	230.11	120.28	40.26
Free Cash Flow	8.80	8.80	32.20	23.01	25.82	49.19	32.06	0.32	3.85	14.99	2.50
Supplemental Disclosures
Interest Paid	-	-	-	21.75	5.44	1.46	-	-	-	-	-
Income Taxes Paid	-	-	-	5.00	4.80	1.50	-	-	-	-	-

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 Cash Flow

What is Pioneer Bancorp's free cash flow?

Pioneer Bancorp generated free cash flow of $8.80M in fiscal 2026 (fiscal year ended Jun 30, 2026), operating cash flow of $11.12M minus $2.32M of capital expenditures. That was flat from $8.80M a year earlier. Free cash flow equaled 6.9% of revenue.

How much does Pioneer Bancorp spend on capital expenditures?

Pioneer Bancorp spent $2.32M on capital expenditures in fiscal 2026, compared with $2.32M a year earlier. That equals 20.8% of operating cash flow.

Does Pioneer Bancorp pay dividends or buy back shares?

Yes. In fiscal 2026 Pioneer Bancorp returned $11.29M in share buybacks to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition