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

Income statement

Metric	TTM	2026	2025	2025	2024
Revenue
Total Revenue	146.1M	126.7M	126.7M	88.1M	88.1M
Cost of Revenue	40.5M	34.1M	34.1M	16.5M	16.5M
Gross Profit	105.6M	92.6M	92.6M	88.1M	88.1M
Operating Expenses
R&D Expense	—	—	—	—	—
SG&A Expense	27.2M	36.9M	36.9M	12.6M	12.6M
General & Admin Expense	26.3M	35.9M	35.9M	11.7M	11.7M
Selling & Marketing Expense	948.0K	1.0M	1.0M	956.0K	956.0K
Other Expenses	63.1M	29.2M	29.2M	42.6M	42.6M
Total Operating Expenses	90.2M	66.1M	66.1M	55.3M	55.3M
Cost and Expenses	130.8M	100.2M	100.2M	55.3M	55.3M
Operating Income (EBIT)	15.3M	26.5M	26.5M	32.9M	32.9M
Non-Operating
Interest Income	111.0M	109.5M	109.5M	52.9M	52.9M
Interest Expense	30.8M	30.4M	30.4M	14.2M	14.2M
Net Interest Income	80.2M	79.1M	79.1M	38.7M	38.7M
Other Non-Op Income/Expense	—	—	—	(8.0M)	(8.0M)
Non-Operating Income (excl Interest)	—	—	—	32.9M	32.9M
EBT (Pre-Tax Income)	15.3M	26.5M	26.5M	24.8M	24.8M
Income Tax Expense	3.0M	6.2M	6.2M	5.6M	5.6M
Bottom Line
Net Income	12.3M	20.3M	20.3M	19.2M	19.2M
Earnings from Cont. Ops	12.3M	20.3M	20.3M	19.2M	19.2M
Earnings from Discont. Ops	—	—	—	—	—
Bottom Line Net Income	12.3M	20.3M	20.3M	19.2M	19.2M
Per Share
Basic EPS	$0.50	$0.83	$0.83	$0.76	$0.76
Diluted EPS	$0.50	$0.83	$0.83	$0.76	$0.76
Revenue Per Share	$6.10	$5.18	$5.18	$3.51	$3.51
Shares
Basic Shares Outstanding	24.0M	24.5M	24.5M	25.1M	25.1M
Diluted Shares Outstanding	24.3M	24.6M	24.6M	25.1M	25.1M
Profitability Metrics
EBITDA	18.1M	28.4M	28.4M	2.5M	2.5M
D&A	2.8M	1.9M	1.9M	2.5M	2.5M
EBIT	15.3M	26.5M	26.5M	15.6M	15.6M

As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Sep 1, 2026