Pioneer Bancorp, Inc. (PBFS) Balance Sheet
PBFS balance sheet, FY2026
June 30, 2026 · U.S. dollars$2.15B assets = $1.83B liabilities + $323.9M equity
Both columns are drawn to the same scale: what PBFS owns equals what it owes plus shareholders’ equity. Hover a block for its value.
PBFS financial health
Goodwill & intangibles0.6%
Mostly tangible · of total assets
Descriptive bands, not a rating. Fiscal FY2026.
PBFS balance sheet trends, FY2017–FY2026
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $1.13BFY2017 | $2.15BFY2026 | +7.4%/yr | |
| Total liabilities | $1.03BFY2017 | $1.83BFY2026 | +6.6%/yr | |
| Shareholders’ equity | $104.0MFY2017 | $323.9MFY2026 | +13.5%/yr | |
| Cash & short-term investments | $121.5MFY2017 | $185.2MFY2026 | +4.8%/yr | |
| Total debt | $5.0MFY2017 | $40.0MFY2025 | +29.7%/yr | |
| Net cash (debt) | $116.5MFY2017 | $367.6MFY2025 | +$251.1M | |
| Working capital | −$890.2MFY2017 | −$1.55BFY2026 | −$664.0M | |
| Book value per share | $9.31FY2017 | $13.18FY2026 | +3.9%/yr | |
| Debt / equity | 0.05FY2017 | 0.13FY2025 | +0.08 | |
| Shares outstanding | 11.2MFY2017 | 24.6MFY2026 | +9.2%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
PBFS assets
Cash & ST investmentsReceivablesInventoryOther currentPP&EGoodwill & intangiblesLT investmentsOther non-current
PBFS liabilities and equity
Current liabilitiesLong-term debtOther long-term liabilitiesEquity
PBFS debt vs cash
Total debtCash & ST investmentsNet cash (debt)
Debt includes short- and long-term borrowings and, where reported, lease obligations.
PBFS balance sheet
| FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $185.2M | $407.6M | $409.0M | $580.0M | $854.4M | $589.4M | $231.3M | $314.7M | $199.5M | $121.5M |
| Cash & equivalents | $130.9M | $119.4M | $151.6M | $148.3M | $372.6M | $324.8M | $155.5M | $228.0M | $111.4M | $39.5M |
| Short-term investments | $54.4M | $288.2M | $257.4M | $431.7M | $481.8M | $264.6M | $75.8M | $86.7M | $88.1M | $82.0M |
| Receivables | $8.9M | $8.7M | $7.6M | $7.2M | $4.6M | $4.0M | $3.5M | $4.4M | $3.9M | $3.3M |
| Inventory | $0 | $0 | $1.17B | $986.5M | $0 | −$329.4M | −$160.6M | −$234.6M | −$203.3M | $0 |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $329.4M | $160.6M | $234.6M | $203.3M | $0 |
| Total current assets | $194.1M | $416.3M | $416.5M | $587.2M | $859.0M | $593.4M | $234.8M | $319.1M | $203.3M | $124.8M |
| Property, plant & equipment (net) | $35.6M | $35.7M | $40.1M | $41.6M | $38.0M | $38.9M | $40.9M | $41.7M | $42.9M | $37.4M |
| Goodwill & intangible assets | $12.3M | $13.3M | $13.8M | $10.9M | $11.3M | $9.1M | $9.5M | $9.8M | $10.2M | $5.7M |
| Long-term investments | $262.0M | $0 | $282.5M | $458.0M | $1.49B | $1.23B | $1.23B | $99.2M | $93.4M | $84.2M |
| Other non-current assets | $1.65B | $1.63B | $1.14B | $758.5M | $0 | $0 | $10.4M | $998.4M | $934.4M | $882.1M |
| Total assets | $2.15B | $2.10B | $1.90B | $1.86B | $1.96B | $1.80B | $1.53B | $1.47B | $1.28B | $1.13B |
| Liabilities | ||||||||||
| Accounts payable | — | — | — | $1.54B | $1.68B | $1.53B | $7.8M | $1.33B | $1.15B | $1.01B |
| Short-term debt | — | — | $756,000 | $591,000 | — | — | — | — | — | $5.0M |
| Total current liabilities | $1.75B | $1.75B | $1.56B | $1.55B | $1.69B | $1.54B | $1.28B | $1.34B | $1.16B | $1.01B |
| Long-term debt | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other long-term liabilities | $78.5M | $29.5M | $38.9M | $39.8M | $35.7M | $21.7M | $18.5M | $7.7M | $10.4M | $15.2M |
| Total liabilities | $1.83B | $1.78B | $1.60B | $1.59B | $1.72B | $1.56B | $1.30B | $1.35B | $1.17B | $1.03B |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $251,000 | $255,000 | $263,000 | $260,000 | $260,000 | $260,000 | $260,000 | — | — | — |
| Retained earnings (deficit) | $203.0M | $201.4M | $187.7M | $173.0M | $151.1M | $140.8M | $139.7M | $134.4M | $116.4M | $103.0M |
| Accumulated other comprehensive income | $14.0M | $7.1M | $4.9M | −$9.6M | −$11.2M | −$5.1M | −$17.4M | −$11.1M | −$9.0M | −$9.7M |
| Total shareholders' equity | $323.9M | $314.2M | $296.5M | $266.7M | $242.6M | $237.8M | $224.0M | $123.3M | $118.1M | $104.0M |
| Key figures | ||||||||||
| Total debt | — | $40.0M | $6.1M | $5.7M | — | — | — | — | — | $5.0M |
| Net cash (debt) | — | $367.6M | $402.8M | $574.3M | — | — | — | — | — | $116.5M |
| Working capital | −$1.55B | −$1.34B | −$1.14B | −$962.6M | −$826.9M | −$943.3M | −$1.05B | −$1.02B | −$952.3M | −$890.2M |
| Tangible book value | $311.6M | $300.9M | $282.7M | $255.8M | $231.3M | $228.7M | $214.5M | $113.4M | $107.9M | $98.3M |
| Book value per share | $13.18 | $12.52 | $11.76 | $10.60 | $9.65 | $9.49 | $8.95 | $11.03 | $10.57 | $9.31 |
| Shares outstanding | 24.6M | 25.1M | 25.2M | 25.2M | 25.1M | 25.1M | 25.0M | 11.2M | 11.2M | 11.2M |
| Current ratio | 0.11 | 0.24 | 0.27 | 0.38 | 0.51 | 0.39 | 0.18 | 0.24 | 0.18 | 0.12 |
| Quick ratio | 0.11 | 0.24 | 0.27 | 0.38 | 0.51 | 0.39 | 0.18 | 0.24 | 0.18 | 0.12 |
| Debt / equity | — | 0.13 | 0.02 | 0.02 | — | — | — | — | — | 0.05 |
| Equity / assets | 15.1% | 15.0% | 15.6% | 14.4% | 12.4% | 13.2% | 14.7% | 8.4% | 9.2% | 9.2% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $130.4M | $198.2M | $354.1M | $294.4M | $407.6M | $270.5M | $414.4M | $485.1M | $409.0M | $542.2M | $456.8M | $626.4M |
| Cash & equivalents | $85.1M | $144.7M | $133.7M | $225.1M | $119.4M | $137.9M | $92.9M | $222.6M | $151.6M | $245.3M | $136.4M | $214.2M |
| Short-term investments | $45.4M | $53.5M | $220.4M | $69.3M | $288.2M | $132.7M | $321.5M | $262.5M | $257.4M | $296.9M | $320.4M | $412.3M |
| Receivables | $9.4M | $9.5M | $1.65B | $9.2M | $8.7M | $8.4M | $7.9M | $7.7M | $7.6M | $7.7M | $7.7M | $7.1M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$172.9M | −$1.66B | −$360.7M | $979.8M |
| Other current assets | — | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $172.9M | $1.66B | $360.7M | $0 |
| Total current assets | — | $207.7M | $38.7M | $303.6M | $416.3M | $278.9M | $422.4M | $492.8M | $416.5M | $549.9M | $464.5M | $633.6M |
| Property, plant & equipment (net) | $36.0M | $36.1M | $35.6M | $35.3M | $35.7M | $35.8M | $35.5M | $39.7M | $40.1M | $40.7M | $41.1M | $41.5M |
| Goodwill & intangible assets | $38.8M | $12.2M | $12.3M | $13.2M | $13.3M | $13.5M | $13.6M | $13.7M | $13.8M | $14.0M | $14.1M | $14.2M |
| Long-term investments | $267.7M | $253.4M | $262.0M | $298.4M | $330.6M | $342.5M | $346.9M | $287.1M | $282.5M | $320.2M | $346.7M | $438.7M |
| Other non-current assets | $2.02B | $1.71B | $1.81B | $1.59B | $1.30B | $1.40B | $1.16B | $1.18B | $1.14B | $1.06B | $986.5M | $835.5M |
| Total assets | $2.36B | $2.22B | $2.16B | $2.24B | $2.10B | $2.07B | $1.98B | $2.01B | $1.90B | $1.98B | $1.85B | $1.96B |
| Liabilities | ||||||||||||
| Short-term debt | — | — | $50.6M | — | — | — | — | — | $756,000 | $769,000 | $768,000 | $767,000 |
| Total current liabilities | — | $1.86B | $50.6M | $1.90B | $1.75B | $1.73B | $1.59B | $1.68B | $1.56B | $1.65B | $1.53B | $1.64B |
| Long-term debt | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other long-term liabilities | — | $32.8M | $1.79B | $30.0M | $29.5M | $30.1M | $80.9M | $31.7M | $38.9M | $38.9M | $39.7M | $49.3M |
| Total liabilities | $2.04B | $1.89B | $1.84B | $1.93B | $1.78B | $1.76B | $1.68B | $1.71B | $1.60B | $1.69B | $1.57B | $1.69B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | — | $251,000 | $251,000 | $251,000 | $255,000 | $258,000 | $260,000 | $261,000 | $263,000 | $260,000 | $260,000 | $260,000 |
| Retained earnings (deficit) | $208.2M | $208.3M | $203.0M | $199.7M | $201.4M | $198.4M | $194.2M | $192.8M | $187.7M | $184.9M | $180.2M | $177.0M |
| Accumulated other comprehensive income | — | $12.9M | $14.0M | $8.2M | $7.1M | $7.0M | $5.5M | $6.6M | $4.9M | $500,000 | $181,000 | −$8.5M |
| Total shareholders' equity | $328.3M | $328.6M | $323.9M | $314.2M | $314.2M | $310.7M | $304.6M | $303.8M | $296.5M | $289.0M | $283.8M | $271.8M |
| Key figures | ||||||||||||
| Total debt | — | — | $54.4M | — | $40.0M | — | $40.0M | — | $6.1M | $6.3M | $6.4M | $6.5M |
| Net cash (debt) | — | — | $299.7M | — | $367.6M | — | $374.4M | — | $402.8M | $536.0M | $450.4M | $619.9M |
| Working capital | — | −$1.65B | −$11.9M | −$1.60B | −$1.34B | −$1.45B | −$1.17B | −$1.19B | −$1.14B | −$1.10B | −$1.06B | −$1.01B |
| Tangible book value | $289.5M | $316.4M | $311.6M | $301.0M | $300.9M | $297.2M | $291.0M | $290.1M | $282.7M | $275.0M | $269.7M | $257.5M |
| Book value per share | $13.49 | $13.50 | $13.33 | $12.76 | $12.79 | $12.46 | $12.05 | $12.08 | $11.76 | $11.46 | $11.26 | $10.79 |
| Shares outstanding | 24.3M | 24.3M | 24.3M | 24.6M | 24.6M | 24.9M | 25.3M | 25.2M | 25.2M | 25.2M | 25.2M | 25.2M |
| Current ratio | — | 0.11 | 0.77 | 0.16 | 0.24 | 0.16 | 0.26 | 0.29 | 0.27 | 0.33 | 0.30 | 0.39 |
| Quick ratio | — | 0.11 | 39.53 | 0.16 | 0.24 | 0.16 | 0.26 | 0.29 | 0.27 | 0.33 | 0.30 | 0.39 |
| Debt / equity | — | — | 0.17 | — | 0.13 | — | 0.13 | — | 0.02 | 0.02 | 0.02 | 0.02 |
| Equity / assets | 13.9% | 14.8% | 15.0% | 14.0% | 15.0% | 15.0% | 15.4% | 15.1% | 15.6% | 14.6% | 15.3% | 13.8% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed August 10, 2026); data from EODHD.
PBFS financial position
At the end of fiscal 2026 (June 30, 2026), Pioneer Bancorp had total assets of $2.2 billion (up 2.6% from a year earlier), total liabilities of $1.8 billion and shareholders' equity of $323.9 million. Its current ratio was 0.11.
Related: PBFS income statement, PBFS cash flow statement, PBFS key metrics. See the PBFS stock overview for the latest quote and news.
PBFS balance sheet FAQ
What are Pioneer Bancorp's total assets?
Pioneer Bancorp reported total assets of $2.2 billion at the end of fiscal 2026 (June 30, 2026), compared with $2.1 billion a year earlier.
How much cash does Pioneer Bancorp have?
Pioneer Bancorp held $185.2 million in cash and short-term investments at the end of fiscal 2026.
What is Pioneer Bancorp's book value?
Pioneer Bancorp's shareholders' equity (book value) was $323.9 million at the end of fiscal 2026, or $13.18 per share.
What is Pioneer Bancorp's current ratio?
Pioneer Bancorp had current assets of $194.1 million and current liabilities of $1.7 billion, a current ratio of 0.11 (current liabilities exceed current assets).
How much goodwill does Pioneer Bancorp have?
Pioneer Bancorp carried $12.3 million of goodwill and intangible assets, 0.6% of total assets, at the end of fiscal 2026.