Complete financial analysis of Pioneer Bancorp, Inc. (PBFS) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Pioneer Bancorp, Inc., a leading company in the Banks – Regional industry within the Financial Services sector.
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Pioneer Bancorp, Inc. (PBFS)
About Pioneer Bancorp, Inc.
Pioneer Bancorp, Inc. operates as a holding company for Pioneer Savings Bank that provides various banking products and services in New York. The company accepts various deposit products, such as demand, savings, and money market accounts, as well as certificates of deposit accounts. Its loan products include commercial real estate, commercial and industrial, commercial construction, one- to four-family residential real estate, home equity, and consumer loans; and home equity lines of credit. The company also invests in the U.S. governmental securities, fixed rate collateralized mortgage obligations, mortgage-backed securities, fixed-rate investment grade bonds, and equity securities. In addition, the company offers personal and commercial insurance products, including homeowners, automobile, and comprehensive business insurance; employee benefit products and services, such as group health, dental, disability, and life insurance products, as well as defined contribution, defined benefit administration, and human resource management services; and wealth management services comprising investment advice, retirement income planning, estate planning, business succession, and employer retirement planning. It operates through a network of 22 retail banking offices in Albany, Greene, Rensselaer, Saratoga, Schenectady, and Warren Counties in New York. The company was founded in 1889 and is based in Albany, New York. Pioneer Bancorp, Inc. operates as a subsidiary of Pioneer Bancorp, MHC.
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 74.19M | 79.69M | 56.45M | 57.57M | 64.47M | 64.09M | 59.42M | 46.11M |
| Cost of Revenue | 0.00 | 8.66M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 74.19M | 71.03M | 56.45M | 57.57M | 64.47M | 64.09M | 59.42M | 46.11M |
| Gross Profit Ratio | 100.00% | 89.14% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 31.23M | 29.19M | 22.41M | 27.35M | 25.10M | 23.32M | 22.46M | 22.03M |
| Selling & Marketing | 729.00K | 825.00K | 520.00K | 618.00K | 678.00K | 925.00K | 732.00K | 669.00K |
| SG&A | 31.96M | 30.01M | 22.93M | 27.97M | 25.78M | 24.25M | 23.19M | 22.70M |
| Other Expenses | 0.00 | -17.16M | -14.37M | -82.88M | -100.05M | -60.01M | -9.18M | -58.05M |
| Operating Expenses | 53.95M | 5.56M | 4.03M | -54.91M | -74.28M | -35.76M | 9.18M | -35.35M |
| Cost & Expenses | 53.95M | 5.56M | 4.03M | -54.91M | -74.28M | -35.76M | 41.48M | -35.35M |
| Interest Income | 88.32M | 71.03M | 43.84M | 43.93M | 53.52M | 54.16M | 46.49M | 37.62M |
| Interest Expense | 21.80M | 5.49M | 1.46M | 2.11M | 4.73M | 4.48M | 2.00K | 2.41M |
| Depreciation & Amortization | 0.00 | 2.70M | 2.76M | 2.86M | 2.91M | 2.81M | 2.64M | 1.96M |
| EBITDA | 0.00 | 30.55M | 16.08M | 0.00 | 0.00 | 0.00 | 20.58M | 11.10M |
| EBITDA Ratio | 0.00% | 34.95% | 31.08% | 9.58% | -10.70% | 48.59% | 34.42% | 27.58% |
| Operating Income | 13.46M | 27.86M | 14.80M | 2.66M | -9.81M | 28.33M | 17.81M | 10.76M |
| Operating Income Ratio | 18.14% | 34.95% | 26.22% | 4.62% | -15.21% | 44.20% | 29.98% | 23.33% |
| Total Other Income/Expenses | 5.95M | 0.00 | 4.10M | -4.49M | -2.53M | -5.08M | -5.52M | -4.95M |
| Income Before Tax | 19.41M | 27.86M | 13.34M | 2.66M | -9.81M | 23.85M | 17.81M | 8.35M |
| Income Before Tax Ratio | 26.16% | 34.95% | 23.63% | 4.62% | -15.21% | 37.21% | 29.97% | 18.10% |
| Income Tax Expense | 4.15M | 5.91M | 3.06M | 1.58M | -3.30M | 4.83M | 6.31M | 2.72M |
| Net Income | 15.26M | 21.95M | 10.28M | 1.08M | -6.51M | 19.02M | 11.50M | 5.63M |
| Net Income Ratio | 20.57% | 27.54% | 18.21% | 1.87% | -10.10% | 29.67% | 19.35% | 12.21% |
| EPS | 0.61 | 0.87 | 0.41 | 0.04 | -0.26 | 0.73 | 0.44 | 0.50 |
| EPS Diluted | 0.61 | 0.87 | 0.41 | 0.04 | -0.26 | 0.73 | 0.44 | 0.50 |
| Weighted Avg Shares Out | 25.19M | 25.17M | 25.13M | 25.07M | 25.01M | 25.98M | 25.98M | 11.17M |
| Weighted Avg Shares Out (Dil) | 25.22M | 25.17M | 25.13M | 25.07M | 25.01M | 25.98M | 25.98M | 11.17M |
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Source: https://incomestatements.info
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