Pioneer Bancorp, Inc. (PBFS) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 |
|---|
| Net Interest Income | 20.75M | 20.26M | 20.2M | 19.61M | 19.08M | 0 | 17.9M | 17.2M | 17.33M | 16.09M | 15.89M | 16.22M | 17.52M | 17.14M | 14.67M | 11.74M | 9.91M | 10.49M | 10.23M | 10.29M |
| NII Growth % | 8.72% | - | 12.88% | 14.01% | 10.11% | -100% | 12.63% | 6.05% | -1.06% | -6.08% | 8.29% | 38.09% | 76.82% | 63.33% | 43.36% | 14.19% | -5.68% | -1.76% | -1.11% | -5.84% |
| Net Interest Margin % | 0.93% | 0.94% | 0.9% | 0.94% | 0.92% | 0% | 0.89% | 0.91% | 0.87% | 0.87% | 0.81% | 0.87% | 0.94% | 0.93% | 0.71% | 0.6% | 0.5% | 0.57% | 0.52% | 0.57% |
| Interest Income | 28.37M | 28.39M | 28.29M | 27.01M | 25.85M | 0 | 24.38M | 23.56M | 23.11M | 21.49M | 20.16M | 19.08M | 18.78M | 17.98M | 15.19M | 12.13M | 10.24M | 10.85M | 10.62M | 10.68M |
| Interest Expense | 7.63M | 8.13M | 8.08M | 7.4M | 6.76M | 0 | 6.48M | 6.36M | 5.78M | 5.39M | 4.27M | 2.87M | 1.26M | 844K | 518K | 384K | 339K | 360K | 381K | 398K |
| Loan Loss Provision | 780K | 560K | 785K | 1.55M | 800K | 29.14M | -870K | 750K | 80K | 1.12M | 750K | 280K | 0 | -400K | 120K | -800K | 0 | 0 | 250K | 500K |
| Non-Interest Income | 3.86M | 4.79M | 3.81M | 4.81M | 3.73M | 29.14M | 4.12M | 3.69M | 4.23M | -1.11M | 3.57M | 3.15M | 3.25M | 3.95M | 3.81M | 3.31M | 3.61M | 3.95M | 3.2M | 3.42M |
| Non-Interest Income % | 11.98% | 14.45% | 11.88% | 15.11% | 12.6% | 100% | 14.45% | 13.54% | 15.48% | -5.47% | 15.06% | 14.16% | 14.75% | 18% | 20.03% | 21.45% | 26.07% | 26.68% | 23.16% | 24.23% |
| Total Revenue | 32.23M | 33.18M | 32.1M | 31.81M | 29.57M | 29.14M | 28.5M | 27.25M | 27.35M | 20.37M | 23.73M | 22.23M | 22.03M | 21.93M | 19M | 15.44M | 13.86M | 14.8M | 13.82M | 14.1M |
| Revenue Growth % | 8.99% | 13.86% | 12.65% | 16.76% | 8.13% | 43.07% | 20.09% | 22.56% | 24.15% | -7.09% | 24.92% | 43.98% | 58.96% | 48.14% | 37.49% | 9.5% | -7.75% | -7.27% | -5.32% | -8.6% |
| Non-Interest Expense | 18.12M | 19.16M | 17.62M | 14.73M | 14.59M | 0 | 14.69M | 15.11M | 15.43M | 9.85M | 14.4M | 13.36M | 13.1M | 13.51M | 11.87M | 12.81M | 13.06M | 6.38M | 11.41M | 16.32M |
| Efficiency Ratio | 56.22% | 57.75% | 54.9% | 46.29% | 49.34% | 0% | 51.55% | 55.44% | 56.42% | 48.33% | 60.7% | 60.11% | 59.46% | 61.6% | 62.47% | 82.94% | 94.26% | 43.1% | 82.61% | 115.78% |
| Operating Income | 5.71M | 5.33M | 5.61M | 8.14M | 7.42M | 4.21M | 8.2M | 5.03M | 6.06M | 4.01M | 4.31M | 5.72M | 7.67M | 7.97M | 6.49M | 3.05M | 456K | 8.06M | 1.77M | -3.12M |
| Operating Margin % | 17.7% | 16.05% | 17.47% | 25.58% | 25.08% | 14.46% | 28.76% | 18.46% | 22.14% | 19.7% | 18.16% | 25.73% | 34.81% | 36.37% | 34.17% | 19.75% | 3.29% | 54.47% | 12.82% | -22.15% |
| Operating Income Growth % | -23.07% | 26.38% | -31.56% | 61.77% | 22.47% | 5.01% | 90.21% | -12.08% | -21.02% | -49.67% | -33.62% | 87.57% | 1581.58% | -1.07% | 266.52% | 197.66% | -72.14% | 229.15% | 4.36% | -286.45% |
| Pretax Income | 5.71M | 5.33M | 5.61M | 8.14M | 7.42M | 4.21M | 8.2M | 5.03M | 6.06M | 4.01M | 4.31M | 5.72M | 7.67M | 7.97M | 6.49M | 3.05M | 456K | 8.06M | 1.77M | -3.12M |
| Pretax Margin % | 17.7% | 16.05% | 17.47% | 25.58% | 25.08% | 14.46% | 28.76% | 18.46% | 22.14% | 19.7% | 18.16% | 25.73% | 34.81% | 36.37% | 34.17% | 19.75% | 3.29% | 54.47% | 12.82% | -22.15% |
| Income Tax | 416K | 1.58M | 1.28M | 1.69M | 1.65M | 923K | 1.89M | 1.1M | 1.34M | 822K | 890K | 1.21M | 1.64M | 1.79M | 1.26M | 687K | 154K | 1.8M | 414K | 430K |
| Effective Tax Rate % | 7.29% | 29.7% | 22.8% | 20.72% | 22.3% | 21.9% | 23.04% | 21.87% | 22.08% | 20.48% | 20.65% | 21.22% | 21.44% | 22.47% | 19.37% | 22.52% | 33.77% | 22.38% | 23.38% | -13.77% |
| Net Income | 5.29M | 3.75M | 4.33M | 6.45M | 5.76M | 3.29M | 6.31M | 3.93M | 4.72M | 3.19M | 3.42M | 4.51M | 6.02M | 6.18M | 5.23M | 2.36M | 302K | 6.26M | 1.36M | -3.55M |
| Net Margin % | 16.41% | 11.29% | 13.49% | 20.28% | 19.49% | 11.3% | 22.14% | 14.42% | 17.25% | 15.67% | 14.41% | 20.27% | 27.35% | 28.2% | 27.55% | 15.3% | 2.18% | 42.28% | 9.82% | -25.2% |
| Net Income Growth % | -8.21% | 13.76% | -31.36% | 64.15% | 22.12% | 3.13% | 84.5% | -12.8% | -21.66% | -48.37% | -34.68% | 90.73% | 1894.7% | -1.18% | 285.7% | 166.51% | -77.48% | 230.18% | -2.65% | -340.72% |
| Net Income (Continuing) | 5.29M | 3.75M | 4.33M | 6.45M | 5.76M | 3.29M | 6.31M | 3.93M | 4.72M | 3.19M | 3.42M | 4.51M | 6.02M | 6.18M | 5.23M | 2.36M | 302K | 6.26M | 1.36M | -3.55M |
| EPS (Diluted) | 0.22 | 0.15 | 0.18 | 0.26 | 0.23 | 0.13 | 0.25 | 0.16 | 0.19 | 0.13 | 0.14 | 0.18 | 0.24 | 0.25 | 0.20 | 0.09 | 0.01 | 0.25 | 0.05 | -0.14 |
| EPS Growth % | -4.35% | 15.38% | -28% | 62.5% | 21.05% | 0% | 78.57% | -11.11% | -20.83% | -48% | -30% | 91.49% | 2300% | 0% | 300% | 167.14% | -80% | 212.5% | -16.67% | -337.69% |
| EPS (Basic) | 0.22 | 0.16 | 0.18 | 0.26 | 0.23 | 0.13 | 0.25 | 0.16 | 0.19 | 0.13 | 0.14 | 0.18 | 0.24 | 0.25 | 0.20 | 0.09 | 0.01 | 0.25 | 0.05 | -0.14 |
| Diluted Shares Outstanding | 24.34M | 24.29M | 24.63M | 24.57M | 24.94M | 25.27M | 25.15M | 25.21M | 25.22M | 25.21M | 25.19M | 25.18M | 25.17M | 25.16M | 25.16M | 25.15M | 25.12M | 25.11M | 25.09M | 25.07M |