Pioneer Bancorp, Inc./MD (PBFS) Financial Statements (2026 and earlier)

Company Profile

Business Address 652 ALBANY-SHAKER ROAD
ALBANY, NY 12211
State of Incorp. MD
Fiscal Year End December 31
Industry (SIC) 6036 - Savings Institutions, Not Federally Chartered (benchmarking)
More info Complete Financial Analysis Financial Benchmarking

Balance Sheet (Statement of Financial Position) ($ in thousands)
Annual | Quarterly

3/31/2026
MRQ
12/31/2025
6/30/2024
6/30/2023
6/30/2022
6/30/2021
6/30/2020
ASSETS
Current Assets
Cash, cash equivalents, and short-term investments130,875151,552150,724374,633327,842165,436
Cash and cash equivalent130,875151,552148,311372,594324,963156,903
Short-term investments   2,4132,0392,8798,533
Total current assets:130,875151,552150,724374,633327,842165,436
Noncurrent Assets
Finance lease, right-of-use asset, after accumulated amortization 420532608   
Operating lease, right-of-use asset 3,6205,2235,448   
Property, plant, and equipment, after accumulated depreciation, depletion, and amortization 31,53634,35035,56137,31238,91840,863
Intangible asset, including goodwill, after accumulated amortization15,02116,78112,99113,78710,97811,610
Goodwill9,59910,8798,7998,7997,2927,292
Intangible asset, excluding goodwill, after accumulated amortization5,4225,9024,1924,9883,6864,318
Total noncurrent assets:50,59756,88654,60851,09949,89652,473
Other undisclosed assets1,969,2121,686,9661,650,8591,538,4971,418,5141,308,503
TOTAL ASSETS:2,150,6841,895,4041,856,1911,964,2291,796,2521,526,412
LIABILITIES AND EQUITY
Liabilities
Current Liabilities
Debt 50,000     
Total current liabilities: 50,000     
Noncurrent Liabilities
Other undisclosed liabilities1,776,8231,598,8761,589,4911,721,6021,558,4301,302,446
Total liabilities:1,826,8231,598,8761,589,4911,721,6021,558,4301,302,446
Equity
Equity, attributable to parent323,861296,528266,700242,627237,822223,966
Common stock251263260260260260
Additional paid in capital115,400113,484113,543113,713113,815113,963
Deferred compensation equity(8,868)(9,892)(10,573)(11,256)(11,939)(12,621)
Accumulated other comprehensive income (loss)14,0334,942(9,568)(11,180)(5,125)(17,370)
Retained earnings203,045187,731173,038151,090140,811139,734
Total equity:323,861296,528266,700242,627237,822223,966
TOTAL LIABILITIES AND EQUITY:2,150,6841,895,4041,856,1911,964,2291,796,2521,526,412

Income Statement (P&L) ($ in thousands)
Annual | Quarterly

3/31/2026
TTM
12/31/2025
6/30/2024
6/30/2023
6/30/2022
6/30/2021
6/30/2020
Revenues100,67978,79867,09247,40649,27859,856
Net investment income94,71478,56661,15840,88842,70951,411
Cost of revenue(993)(913)(908)(269)(4,050)(6,790)
Provision for loan, lease, and other losses    550(4,050)(6,790)
Policyholder benefits and claims incurred, net(993)(913)(908)(819)  
Gross profit:99,68677,88566,18447,13745,22853,066
Operating expenses(23,117)(17,864)(17,374)(15,366)(14,451)(13,809)
Other operating income, net
(Noninterest Income, Other Operating Income)		1,072100787257564199
Operating income:77,64160,12149,59732,02831,34139,456
Nonoperating income
(Bank Owned Life Insurance Income)		      548
Interest and debt expense (32)(21,803)(5,492)(1,464)(2,110)(4,731)
Other undisclosed loss from continuing operations before equity method investments, income taxes    (26,571)(29,278)
Income from continuing operations before equity method investments, income taxes:77,60938,31844,10530,5642,6605,995
Other undisclosed loss from continuing operations before income taxes(51,120)(18,909)(16,250)(17,226)  
Income from continuing operations before income taxes:26,48919,40927,85513,3382,6605,995
Income tax expense(6,202)(4,149)(5,907)(3,059)(1,583)(797)
Income from continuing operations:20,28715,26021,94810,2791,0775,198
Income before gain (loss) on sale of properties:✕✕✕✕10,2791,0775,198
Net income available to common stockholders, diluted:20,28715,26021,94810,2791,0775,198

Comprehensive Income ($ in thousands)
Annual | Quarterly

3/31/2026
TTM
12/31/2025
6/30/2024
6/30/2023
6/30/2022
6/30/2021
6/30/2020
Net income:20,28715,26021,94810,2791,0775,198
Other comprehensive income (loss)8,49014,5101,612(6,055)12,245(6,383)
Comprehensive income (loss), net of tax, attributable to parent:28,77729,77023,5604,22413,322(1,185)

Statements Sources

The financial statements are based on the Company's filings with the U.S. Securities and Exchange Commission (SEC) through the Electronic Data Gathering, Analysis, and Retrieval system (EDGAR). The information is derived from the 10-K and 10-Q reports submitted to the SEC in XBRL (eXtensible Business Reporting Language) format and presented according to the US GAAP Taxonomy. Please review the original filings for a more detailed information.

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