Security
Pioneer Bancorp, Inc. Common Stock · PBFS
PBFSNASDAQCommon stockCurrentCIK 1769663Updated Nov 2, 2026
PBFS price & chart
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NASDAQ:PBFS on TradingView ↗About the company
Pioneer is a financial holding company with approximately $2.6 billion in consolidated assets that provides diversified financial services through its subsidiaries. Pioneer’s subsidiary, Pioneer Bank, National Association and its subsidiaries, with 22 offices in the Capital Region of New York State, offers a broad array of banking, insurance, employee benefit, human resources consulting, college advising, and wealth management services to individuals, businesses, and municipalities. Pioneer’s subsidiary, Targeted Lending Co., LLC, through its originator-centric equipment finance platform provides financing solutions nationwide for essential income-producing equipment to small and mid-sized businesses across diverse industries. Pioneer’s subsidiary, Pioneer Capital Markets, Inc., is a FINRA-registered broker-dealer focused on municipal bond trading. For more information on Pioneer, please visit www.pioneerny.com.
In the news
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Recent filings
Results of Operations and Financial Condition
Items 2.02, 9.01
10-Q filing
Financial Statements and Exhibits
Items 9.01
Results of Operations and Financial Condition
Items 2.02, 9.01
Other Events
Items 8.01, 9.01
Show 5 more recent filings
Financials
FY 2025 · USDSource
Source
Source
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balance sheet · annual statements
| Line item | Q3 2025 | Q3 2024 | Q3 2023 | Q2 2026 | Q2 2025 | Q2 2024 | Q1 2025 | Q1 2024 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ASSETS | ||||||||||||
| AssetsUSD | — | 1,981,834,000Source | 1,864,298,000Source | 2,150,684,000Source | 1,979,730,000Source | 1,852,887,000Source | 2,014,602,000Source | 1,963,407,000Source | 2,150,684,000Source | 1,979,730,000Source | 1,856,191,000Source | 1,964,229,000Source |
| Property, Plant and Equipment, NetUSD | — | — | 42,175,000Source | — | — | — | — | — | 31,536,000Source | 30,648,000Source | 35,561,000Source | 37,312,000Source |
| GoodwillUSD | — | 10,879,000Source | 8,799,000Source | 9,599,000Source | 10,879,000Source | 10,879,000Source | 10,879,000Source | 10,879,000Source | 9,599,000Source | 10,879,000Source | 8,799,000Source | 8,799,000Source |
| Operating Lease, Right-of-Use AssetUSD | — | 5,332,000Source | 5,544,000Source | — | — | 5,440,000Source | — | 5,547,000Source | 3,620,000Source | 4,352,000Source | 5,448,000Source | — |
| LIABILITIES AND EQUITY | ||||||||||||
| LiabilitiesUSD | — | 1,692,878,000Source | 1,604,433,000Source | 1,826,823,000Source | 1,675,177,000Source | 1,569,091,000Source | 1,710,801,000Source | 1,691,636,000Source | 1,826,823,000Source | 1,675,177,000Source | 1,589,491,000Source | 1,721,602,000Source |
| Stockholders’ equity: | ||||||||||||
| Common Stock, Value, IssuedUSD | — | 260,000Source | 260,000Source | 251,000Source | 260,000Source | 260,000Source | 261,000Source | 260,000Source | 251,000Source | 260,000Source | 260,000Source | 260,000Source |
| Retained Earnings (Accumulated Deficit)USD | — | 184,875,000Source | 168,531,000Source | 203,045,000Source | 194,188,000Source | 180,156,000Source | 192,826,000Source | 176,964,000Source | 203,045,000Source | 194,188,000Source | 173,038,000Source | 151,090,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | — | 500,000Source | -11,784,000Source | 14,033,000Source | 5,543,000Source | 181,000Source | 6,640,000Source | -8,540,000Source | 14,033,000Source | 5,543,000Source | -9,568,000Source | -11,180,000Source |
| Stockholders' Equity Attributable to ParentUSD | 310,701,000Source | 288,956,000Source | 259,865,000Source | 323,861,000Source | 304,553,000Source | 283,796,000Source | 303,801,000Source | 271,771,000Source | 323,861,000Source | 304,553,000Source | 266,700,000Source | 242,627,000Source |
| Additional Paid in Capital, Common StockUSD | — | 113,383,000Source | 113,603,000Source | 115,400,000Source | 114,113,000Source | 113,432,000Source | 113,795,000Source | 113,491,000Source | 115,400,000Source | 114,113,000Source | 113,543,000Source | 113,713,000Source |
| Liabilities and EquityUSD | — | 1,981,834,000Source | 1,864,298,000Source | 2,150,684,000Source | 1,979,730,000Source | 1,852,887,000Source | 2,014,602,000Source | 1,963,407,000Source | 2,150,684,000Source | 1,979,730,000Source | 1,856,191,000Source | 1,964,229,000Source |
| Additional Financial Items | ||||||||||||
| Accumulated Other Comprehensive (Income) Loss, Defined Benefit Plan, after TaxUSD | — | — | — | — | — | — | — | — | 12,678,000Source | 7,903,000Source | 4,134,000Source | -308,000Source |
| Deferred Compensation EquityUSD | — | 10,062,000Source | 10,745,000Source | 8,868,000Source | 9,551,000Source | 10,233,000Source | 9,721,000Source | 10,404,000Source | 8,868,000Source | 9,551,000Source | 10,573,000Source | 11,256,000Source |
| Deferred Tax Liabilities, NetUSD | — | — | — | — | — | — | — | — | 1,050,000Source | 283,000Source | — | — |
cash flow · annual statements
| Line item | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q2 2024 | Q1 2025 | Q1 2024 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash flows from operating activities: | ||||||||||||
| Net Income (Loss), Including Portion Attributable to Noncontrolling InterestUSD | — | — | — | — | — | — | 6,308,000Source | 3,419,000Source | 20,287,000Source | 15,260,000Source | 21,948,000Source | 10,279,000Source |
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||||||||||
| Depreciation, Depletion and AmortizationUSD | — | — | — | — | — | — | 629,000Source | 671,000Source | 1,900,000Source | 2,100,000Source | 2,300,000Source | 2,400,000Source |
| Share-based Payment Arrangement, Noncash ExpenseUSD | — | — | — | — | — | — | 343,000Source | — | 1,267,000Source | 154,000Source | — | — |
| Deferred Income Tax Expense (Benefit)USD | — | — | — | — | — | — | 834,000Source | 37,000Source | -2,235,000Source | -188,000Source | 855,000Source | 708,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | — | — | — | — | — | — | 1,911,000Source | 12,442,000Source | 11,117,000Source | 23,847,000Source | 26,269,000Source | 49,967,000Source |
| Cash flows from investing activities: | ||||||||||||
| Net Cash Provided by (Used in) Investing ActivitiesUSD | — | — | — | — | — | — | -59,317,000Source | -38,971,000Source | -125,789,000Source | -18,048,000Source | -114,873,000Source | -148,032,000Source |
| Payments to Acquire Property, Plant, and EquipmentUSD | — | — | — | — | — | — | — | — | — | 838,000Source | 451,000Source | 780,000Source |
| Cash flows from financing activities: | ||||||||||||
| Payment, Tax Withholding, Share-based Payment ArrangementUSD | — | — | — | — | — | — | — | — | 145,000Source | — | — | — |
| Payments for Repurchase of Common StockUSD | — | — | — | — | — | — | 1,215,000Source | — | 11,294,000Source | 1,075,000Source | — | — |
| Net Cash Provided by (Used in) Financing ActivitiesUSD | — | — | — | — | — | — | 117,190,000Source | 92,595,000Source | 151,826,000Source | 8,913,000Source | -136,978,000Source | 149,162,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate EffectUSD | — | — | — | — | — | — | 59,784,000Source | 66,066,000Source | 37,154,000Source | 14,712,000Source | -225,582,000Source | 51,097,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash EquivalentsUSD | — | — | 246,541,000Source | 133,675,000Source | 96,521,000Source | 139,634,000Source | 224,974,000Source | 216,544,000Source | 133,675,000Source | 165,190,000Source | 150,478,000Source | 376,060,000Source |
| Supplemental disclosure of cash flow information: | ||||||||||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | — | — | — | — | — | — | 6,503,000Source | 4,280,000Source | 30,024,000Source | 21,751,000Source | 5,435,000Source | 1,461,000Source |
| Income Taxes Paid, NetUSD | — | — | — | — | — | — | 1,000,000Source | 1,000,000Source | 9,250,000Source | 5,000,000Source | 4,800,000Source | 1,500,000Source |
| Additional Financial Items | ||||||||||||
| Amortization of Intangible AssetsUSD | — | — | — | — | — | — | — | — | 474,000Source | 534,000Source | 398,000Source | 357,000Source |
| Debt Securities, Available-for-sale, Realized Gain (Loss)USD | — | — | — | — | — | -5,645,000Source | 165,000Source | — | — | -5,645,000Source | — | 38,000Source |
| Equity Securities, FV-NI, Gain (Loss)USD | — | — | 386,000Source | — | — | 269,000Source | — | 80,000Source | — | 735,000Source | 374,000Source | -37,000Source |
| Equity Securities, FV-NI, Realized Gain (Loss)USD | — | — | — | — | — | — | — | — | — | 735,000Source | — | 17,000Source |
| Equity Securities, FV-NI, Unrealized Gain (Loss)USD | — | — | — | — | — | — | — | — | — | — | 374,000Source | -54,000Source |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUSD | — | — | 258,000Source | — | — | 659,000Source | -697,000Source | 916,000Source | 3,646,000Source | 2,163,000Source | — | — |
| Gain (Loss) on Disposition of AssetsUSD | — | — | — | — | — | — | — | — | — | — | — | 275,000Source |
| Gain (Loss) on Disposition of Property Plant EquipmentUSD | — | — | — | — | — | — | -3,000Source | — | -4,000Source | -288,000Source | — | 275,000Source |
| Gain (Loss) on Sales of Loans, NetUSD | — | — | — | — | — | — | 29,000Source | — | 48,000Source | -9,000Source | 2,000Source | 3,000Source |
| Gain (Loss) on Termination of LeaseUSD | — | — | — | — | — | — | — | — | 11,000Source | — | — | — |
| Gain (Loss) Related to Litigation SettlementUSD | — | — | — | — | — | 5,950,000Source | — | — | — | 5,950,000Source | — | — |
| GoodwillUSD | — | — | 10,879,000Source | 9,599,000Source | 10,879,000Source | 10,879,000Source | 10,879,000Source | 10,879,000Source | 9,599,000Source | 10,879,000Source | 8,799,000Source | 8,799,000Source |
| Goodwill, Impairment LossUSD | — | — | — | — | — | — | — | — | 2,000,000Source | 0Source | 0Source | 0Source |
| Impairment of Intangible Assets, Finite-livedUSD | — | — | — | — | — | — | — | — | — | 0Source | 0Source | 0Source |
| Income Tax Expense (Benefit)USD | — | — | 1,337,000Source | — | — | 822,000Source | 1,888,000Source | 890,000Source | 6,202,000Source | 4,149,000Source | 5,907,000Source | 3,059,000Source |
| Insurance Services RevenueUSD | — | — | 2,298,000Source | — | — | 2,756,000Source | 2,171,000Source | 1,981,000Source | 10,103,000Source | 9,313,000Source | 7,053,000Source | 7,078,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | 5,763,000Source | 4,719,000Source | — | — | 3,192,000Source | 6,308,000Source | 3,419,000Source | 20,287,000Source | 15,260,000Source | 21,948,000Source | 10,279,000Source |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-saleUSD | — | — | — | — | — | — | 34,745,000Source | 45,077,000Source | 212,749,000Source | 143,550,000Source | 187,722,000Source | 103,808,000Source |
| Proceeds from Stock Options ExercisedUSD | — | — | — | — | — | — | — | — | 76,000Source | — | — | — |
| Provision for Loan, Lease, and Other LossesUSD | — | — | 80,000Source | — | — | 882,000Source | -824,000Source | 750,000Source | 3,459,000Source | 2,438,000Source | — | — |
income statement · annual statements
| Line item | Q4 2024 | Q4 2023 | Q3 2025 | Q3 2024 | Q3 2023 | Q2 2024 | Q1 2025 | Q1 2024 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total RevenueUSD | — | — | — | 3,638,000Source | 3,234,000Source | 4,178,000Source | 3,820,000Source | 3,479,000Source | 15,814,000Source | 14,953,000Source | 12,977,000Source | 13,230,000Source |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | — | — | — | 6,056,000Source | 7,668,000Source | 4,014,000Source | 8,196,000Source | 4,309,000Source | 26,489,000Source | 19,409,000Source | 27,855,000Source | 13,338,000Source |
| Income Tax Expense (Benefit)USD | — | — | — | 1,337,000Source | 1,644,000Source | 822,000Source | 1,888,000Source | 890,000Source | 6,202,000Source | 4,149,000Source | 5,907,000Source | 3,059,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 5,763,000Source | 4,719,000Source | 6,024,000Source | 3,192,000Source | 6,308,000Source | 3,419,000Source | 20,287,000Source | 15,260,000Source | 21,948,000Source | 10,279,000Source |
| Earnings Per Share, BasicUSD per share | — | — | — | 0.19Source | 0.24Source | 0.13Source | 0.25Source | 0.14Source | 0.83Source | 0.61Source | 0.87Source | 0.41Source |
| Earnings Per Share, DilutedUSD per share | — | — | — | 0.19Source | 0.24Source | 0.13Source | 0.25Source | 0.14Source | 0.83Source | 0.61Source | 0.87Source | 0.41Source |
| Weighted Average Number of Shares Outstanding, Basicshares | — | — | — | 25,220,299Source | 25,169,382Source | 25,207,569Source | 25,081,864Source | 25,194,841Source | 24,471,179Source | 25,193,848Source | 25,169,382Source | 25,131,195Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | — | — | — | 25,220,299Source | 25,169,382Source | 25,207,569Source | 25,150,650Source | 25,194,841Source | 24,566,658Source | 25,223,114Source | 25,169,382Source | 25,131,195Source |
| Additional Financial Items | ||||||||||||
| Amortization of Intangible AssetsUSD | — | — | — | — | — | — | — | — | 474,000Source | 534,000Source | 398,000Source | 357,000Source |
| Current Income Tax Expense (Benefit)USD | — | — | — | — | — | — | — | — | 8,437,000Source | 4,337,000Source | 5,052,000Source | 2,351,000Source |
| Depreciation, Depletion and Amortization, NonproductionUSD | — | — | — | — | — | — | 629,000Source | 671,000Source | 1,899,000Source | 2,596,000Source | 2,698,000Source | 2,744,000Source |
| Equity Securities, FV-NI, Realized Gain (Loss)USD | — | — | — | — | — | — | — | — | — | 735,000Source | — | 17,000Source |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUSD | — | — | — | 258,000Source | — | 659,000Source | -697,000Source | 916,000Source | 3,646,000Source | 2,163,000Source | — | — |
| Gain (Loss) Related to Litigation SettlementUSD | — | — | — | — | — | 5,950,000Source | — | — | — | 5,950,000Source | — | — |
| Goodwill, Impairment LossUSD | — | — | — | — | — | — | — | — | 2,000,000Source | 0Source | 0Source | 0Source |
| Insurance Services RevenueUSD | — | — | — | 2,298,000Source | 1,715,000Source | 2,756,000Source | 2,171,000Source | 1,981,000Source | 10,103,000Source | 9,313,000Source | 7,053,000Source | 7,078,000Source |
| Interest ExpenseUSD | — | — | — | 5,784,000Source | 1,263,000Source | 5,392,000Source | 6,482,000Source | 4,266,000Source | — | 21,803,000Source | 5,492,000Source | 1,464,000Source |
| InterestExpenseOperatingUSD | — | — | — | — | — | — | — | — | 30,382,000Source | 21,803,000Source | — | — |
| Interest Income (Expense), NetUSD | — | — | — | 17,331,000Source | 17,516,000Source | 16,094,000Source | 17,897,000Source | 15,890,000Source | 79,148,000Source | 66,513,000Source | 65,541,000Source | 42,378,000Source |
| Labor and Related ExpenseUSD | — | — | — | 7,387,000Source | 7,068,000Source | 7,457,000Source | 7,666,000Source | 6,923,000Source | 33,950,000Source | 29,225,000Source | 27,421,000Source | 25,855,000Source |
| Marketing and Advertising ExpenseUSD | — | — | — | 164,000Source | 176,000Source | 212,000Source | 224,000Source | 141,000Source | 1,011,000Source | 729,000Source | 825,000Source | 520,000Source |
Filing attachments
pbfs-ex99d1.htm · 8-K · 2026-10-30
Exhibit 99.1 652 Albany Shaker Road, Albany, NY 12211 News Release FOR IMMEDIATE RELEASE: Pioneer Bancorp, Inc. Reports Third Quarter 2026 Results Albany, N.Y. - October 30, 2026 - Pioneer Bancorp, Inc. (“Pioneer”) (NASDAQ: PBFS), a leading financial institution in New York’s Capital Region, today reported the results for the three and nine months ended September 30, 2026. Net income for the three months ended September 30, 2026 was $85,000, or approximately $0.00 per basic and diluted sha…
Read attachment ↗pbfs-20260424xex99d1.htm · 8-K/A · 2026-08-10
Exhibit 99.1 TARGETED LENDING CO., LLC Financial Statements For the Years Ended December 31, 2025 and 2024 with Independent Auditors’ Reports ────────────────────────────────────── TARGETED LENDING CO., LLC TABLE OF CONTENTS Page INDEPENDENT AUDITORS’ REPORTS 1 – 4 FINANCIAL STATEMENTS: Balance Sheets 5 Statements of Income 6 Statements of Changes in Members’ Capital 7 Statements of Cash Flows 8 Notes to Financial Statements 9 – 19 INDEPENDENT AUDITORS’ REPORT…
Read attachment ↗pbfs-20260424xex99d2.htm · 8-K/A · 2026-08-10
UNAUDITED PRO FORMA CONDENSED COMBINED FINANCIAL DATA Introduction On April 24, 2026, Pioneer Bank, National Association (“Pioneer”, a wholly owned subsidiary of Pioneer Bancorp, Inc. or the “Company”), through its wholly owned subsidiary, Targeted Lending Holdings, LLC (the “Purchaser”), completed the acquisition of 100% of the issued and outstanding membership interests (the “Purchased Interests”) of Targeted Lending Co., LLC, a Delaware limited liability company (“Targeted Lending”), pursua…
Read attachment ↗pbfs-20260730xex99d1.htm · 8-K · 2026-07-30
EX-99.1 2 pbfs-20260730xex99d1.htm EX-99.1 Exhibit 99.1 652 Albany Shaker Road, Albany, NY 12211 News Release FOR IMMEDIATE RELEASE: Pioneer Bancorp, Inc. Reports Second Quarter 2026 Results Net Income of $3.5 Million Albany, N.Y. - July 30, 2026 - Pioneer Bancorp, Inc. (“Pioneer”) (NASDAQ: PBFS), a leading financial institution in New York’s Capital Region, today reported the results for the three and six months ended June 30, 2026. Net income for the three months ended June 30, 2026 …
Read attachment ↗ex99-1_8k072926.htm · 8-K · 2026-07-29
EX-99.1 5 ex99-1_8k072926.htm EX-99.1 For Release: Immediate - Wednesday, July 29, 2026 Pioneer Announces Launch of College Advising Division through the Acquisition of The College Advisor of New York Newly created division, under the leadership of industry expert Dr. Dean Skarlis, supports families as they navigate the college admissions process Albany, NY - Pioneer (NASDAQ: PBFS), a leading financial institution in New York’s Capital Region, today announced it has acquired The College A…
Read attachment ↗ex99-1_8k072126.htm · 8-K · 2026-07-23
EX-99.1 5 ex99-1_8k072126.htm EX-99.1 Exhibit 99.1 652 Albany Shaker Road, Albany, NY 12211 News Release FOR IMMEDIATE RELEASE: Pioneer Bancorp, Inc. Appoints Michael T. Keegan to its Board of Directors Albany, N.Y. - July 23, 2026 - Pioneer Bancorp, Inc. (“Pioneer”) (NASDAQ: PBFS), a leading financial institution in New York’s Capital Region, today announced the appointment of Michael T. Keegan to its Board of Directors. Mr. Keegan is a recently retired banking executive with more tha…
Read attachment ↗