Pioneer Bancorp, Inc. (PBFS) Income Statement
PBFS FY2026 at a glance
Fiscal year ended June 30, 2026 · U.S. dollarsPBFS revenue and net income
Where PBFS's revenue goes
FY2026Each bar shows an amount and its share of revenue. PBFS kept 16.0% of revenue as net income.
PBFS profit margins
PBFS growth rates
to FY2026| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +43.8% | +16.7% | +16.2% | — |
| Gross profit | +5.1% | +9.2% | +11.6% | — |
| Operating income | −19.4% | −1.7% | +58.4% | — |
| Net income | +5.7% | −2.6% | +79.9% | — |
| EPS (diluted) | −21.6% | −7.4% | +69.0% | — |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
PBFS quarterly EPS vs estimates
Next report: November 6, 2026.
PBFS income statement
| FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $126.7M | $88.1M | $98.7M | $79.7M | $57.9M | $59.7M | $69.2M | $68.6M | $59.3M | $48.5M |
| Cost of revenue | $34.1M | $16.5M | $24.5M | $8.7M | $914,000 | $6.2M | $11.5M | $22.6M | $5.2M | $4.8M |
| Gross profit | $92.6M | $88.1M | $74.2M | $71.0M | $57.0M | $53.5M | $57.7M | $45.9M | $54.1M | $43.7M |
| Sales, general & admin | $36.9M | $12.6M | $32.0M | $29.2M | $22.9M | $28.4M | $25.8M | $24.2M | $23.2M | $22.7M |
| Total operating expenses | $66.1M | $55.3M | $54.8M | $5.6M | $43.7M | $50.9M | $51.7M | $37.9M | $36.3M | $35.4M |
| Operating income | $26.5M | $32.9M | $19.4M | $27.9M | $13.3M | $2.7M | $6.0M | $8.0M | $17.8M | $8.3M |
| Interest income | $109.5M | — | $88.3M | $71.0M | $43.8M | $43.9M | $53.5M | $54.2M | $46.5M | $37.6M |
| Interest expense | $30.4M | $14.2M | $21.8M | $5.5M | $1.5M | $2.1M | $4.7M | $4.5M | $3.2M | $2.4M |
| Income before taxes | $26.5M | $24.8M | $19.4M | $27.9M | $13.3M | $2.7M | $6.0M | $8.0M | $17.8M | $8.3M |
| Income taxes | $6.2M | $5.6M | $4.1M | $5.9M | $3.1M | $1.6M | $797,000 | $737,000 | $6.3M | $2.7M |
| Net income | $20.3M | $19.2M | $15.3M | $21.9M | $10.3M | $1.1M | $5.2M | $7.3M | $11.5M | $5.6M |
| EBITDA | $28.4M | $2.5M | $22.0M | $30.6M | $16.1M | $5.5M | $8.9M | $10.9M | $20.4M | $10.3M |
| EPS (diluted) | $0.69 | $0.88 | $0.61 | $0.87 | $0.40 | $0.05 | −$0.07 | $0.14 | $1.03 | $0.50 |
| Gross margin | 73.1% | 100.0% | 75.2% | 89.1% | 98.4% | 89.7% | 83.4% | 67.0% | 91.3% | 90.1% |
| Operating margin | 20.9% | 37.3% | 19.7% | 35.0% | 23.0% | 4.5% | 8.7% | 11.7% | 30.0% | 17.2% |
| Net margin | 16.0% | 21.8% | 15.5% | 27.5% | 17.7% | 1.8% | 7.5% | 10.7% | 19.4% | 11.6% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $37.3M | $32.2M | $33.2M | $32.1M | $31.8M | $29.6M | $29.1M | $28.5M | $27.2M | $27.3M | $20.4M | $23.7M |
| Cost of revenue | $10.4M | $8.4M | $8.7M | $8.9M | $8.9M | $7.6M | $29.1M | $5.6M | $7.1M | $5.9M | $6.5M | $5.0M |
| Gross profit | $27.0M | $23.8M | $24.5M | $23.2M | $22.9M | $22.0M | $21.2M | $22.9M | $20.1M | $21.5M | $13.9M | $18.7M |
| Sales, general & admin | $8.9M | $9.4M | $9.3M | $9.3M | $9.3M | $9.0M | $13.2M | $8.4M | $8.2M | $8.0M | $8.2M | $7.6M |
| Total operating expenses | $22.2M | $18.1M | $19.2M | $17.6M | $14.7M | $14.6M | $13.2M | $14.7M | $15.1M | $15.4M | $9.8M | $14.4M |
| Operating income | $4.8M | $5.7M | $5.3M | $5.6M | $8.1M | $7.4M | $4.2M | $8.2M | $5.0M | $6.1M | $4.0M | $4.3M |
| Interest income | $31.9M | $28.4M | $28.4M | $28.3M | $27.0M | $25.8M | — | $24.4M | $23.6M | $23.1M | $21.5M | $20.2M |
| Interest expense | $6.5M | $7.6M | $8.1M | $8.1M | $7.4M | $6.8M | — | $6.5M | $6.4M | $5.8M | $5.4M | $4.3M |
| Income before taxes | $4.8M | $5.7M | $5.3M | $5.6M | $8.1M | $7.4M | $4.2M | $8.2M | $5.0M | $6.1M | $4.0M | $4.3M |
| Income taxes | $1.3M | $416,000 | $1.6M | $1.3M | $1.7M | $1.7M | $923,000 | $1.9M | $1.1M | $1.3M | $822,000 | $890,000 |
| Net income | $3.5M | $5.3M | $3.7M | $4.3M | $6.5M | $5.8M | $3.3M | $6.3M | $3.9M | $4.7M | $3.2M | $3.4M |
| EBITDA | $5.9M | $6.3M | $5.4M | $6.2M | $8.7M | $8.0M | $4.8M | $8.8M | $5.7M | $6.7M | $4.7M | $5.0M |
| EPS (diluted) | $0.14 | $0.22 | $0.15 | $0.18 | $0.26 | $0.23 | $0.13 | $0.25 | $0.16 | $0.19 | $0.13 | $0.14 |
| Gross margin | 72.2% | 73.9% | 73.8% | 72.4% | 71.9% | 74.4% | 72.7% | 80.3% | 73.9% | 78.6% | 68.0% | 78.9% |
| Operating margin | 12.8% | 17.7% | 16.1% | 17.5% | 25.6% | 25.1% | 14.5% | 28.8% | 18.5% | 22.1% | 19.7% | 18.2% |
| Net margin | 9.3% | 16.4% | 11.3% | 13.5% | 20.3% | 19.5% | 11.3% | 22.1% | 14.4% | 17.3% | 15.7% | 14.4% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in PBFS's financial statements (latest annual report filed August 10, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
PBFS financial results
In fiscal year 2026 (ended June 30, 2026), Pioneer Bancorp reported revenue of $126.7 million, up 43.8% from the year before. It had net income of $20.3 million (up 5.7%), a net profit margin of 16.0%. Diluted earnings per share came to $0.69. Over five years revenue grew at an average rate of 16.2% a year.
See the PBFS stock overview for the latest quote and news, or the PBFS chart for price history and technical indicators.
PBFS income statement FAQ
What is Pioneer Bancorp's annual revenue?
Pioneer Bancorp reported total revenue of $126.7 million for fiscal year 2026, which ended on June 30, 2026. That was up 43.8% from $88.1 million the previous year.
Is Pioneer Bancorp profitable?
Yes. Pioneer Bancorp reported net income of $20.3 million in fiscal 2026, a net profit margin of 16.0%; its operating margin was 20.9%.
What is Pioneer Bancorp's gross margin?
Pioneer Bancorp's gross margin was 73.1% in fiscal 2026: for every $100 of revenue, Pioneer Bancorp kept $73 after the direct cost of its products and services.
How fast is Pioneer Bancorp growing?
Revenue grew 16.2% a year on average over the last five fiscal years, from $59.7 million to $126.7 million.
What are Pioneer Bancorp's earnings per share?
Pioneer Bancorp earned $0.69 per diluted share in fiscal 2026, compared with $0.88 a year earlier.
When will Pioneer Bancorp report its next earnings?
Pioneer Bancorp is expected to report results for the quarter ending September 30, 2026 on November 6, 2026.
When does Pioneer Bancorp's fiscal year end?
Pioneer Bancorp's fiscal year ends in June. The latest annual report covers the year ended June 30, 2026 and was filed on August 10, 2026.