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Pioneer Bancorp (PBFS) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · Pioneer Bancorp (PBFS) Q3 2026 earnings results →
Q3 2026 Revenue up 21% year over year to $29.1M · 0¢ of every $1 of revenue kept as net profit · operating margin 0.2%
Pioneer Bancorp made $29.1M in Q3 2026 (+21% Y/Y). Operating margin 0.2%, net earnings $85K. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $29.1M in Q3 2026, up 21% year over year and up 3% from the previous quarter.
Operating profit was $67K, a 0.2% margin (down 23.1 points year over year). Operating profit fell $5.5M even though revenue rose $5.1M versus Q3 2025, so costs grew faster than sales. Total costs grew 58% against revenue growth of 21%. The fastest-growing cost line was Credit loss provision (+73%). Net earnings were $85K, down 98% year over year. The effective tax rate was -26.9%.
Operating cash flow was $16.8M (up 330% year over year), 19761% of net earnings. Non-cash charges added back $1.3M of depreciation and amortization and $398K of share-based compensation. Working capital and other items added $15.0M. Capital expenditures of $1.0M left free cash flow of $15.8M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 6, 2026 | $29.1M | +21% | 0.2% | $85K | $16.8M |
| Q2 2026 | 10-Q | Aug 10, 2026 | $28.3M | +16% | 16.9% | $3.5M | $14.7M |
| Q1 2026 | 10-Q | May 11, 2026 | $24.6M | +8% | 23.2% | $5.3M | −$161K |
| Q4 2025 | 10-K | Mar 12, 2026 | $25.0M | +12% | 21.3% | $3.7M | $5.7M |
| Q3 2025 | 10-Q | Nov 7, 2025 | $24.0M | +9% | 23.4% | $4.3M | $3.9M |
| Q2 2025 | 10-Q | Aug 8, 2025 | $24.4M | +17% | 33.3% | $6.5M | $5.1M |
| Q1 2025 | 10-Q | May 9, 2025 | $22.8M | +6% | 32.5% | $5.8M | −$3.5M |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Pioneer Bancorp
This Annual Report on Form 10-K contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934, which can be identified by the use of words such as “estimate,” “project,” “believe,” “intend,” “anticipate,” “plan,” “seek,” “expect” or words of similar meaning, or future or conditional verbs, such as “will,” “would,” “should,” “could,” or “may.” A forward-looking statement is neither a prediction nor a guarantee of future events. Certain forward-looking statements are included in this Form 10-K, principally in the sections captioned “Business,” “Risk Factors,” and “Management's Discussion and Analysis of Financial Condition and Results of Operations.” These forward-looking statements include, but are not limited to:
In its own words, from its 10-K, filed Mar 12, 2026.
Pioneer Bancorp against its Savings Institutions, Not Federally Chartered peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +21% against the peers' median +8%. Operating margin: 0.2% against the peers' median 31.8%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| PBFS Pioneer Bancorp | Q3 2026 | $29.1M | +21% | 0.2% |
| FLG Flagstar Bank, National Association | Q3 2026 | $530M | +2% | -1.9% |
| BBT Beacon Financial | Q2 2025 | $114M | +5% | 36.5% |
| HFWA Heritage Financial | Q3 2026 | $86.5M | +32% | 25.8% |
| NBBK NB Bancorp | Q3 2026 | $76.5M | +48% | 37.9% |
| TCBX Third Coast Bancshares | Q3 2026 | $65.9M | +21% | 36.1% |
| SMBC Southern Missouri Bancorp | Q1 FY27 | $53.1M | +8% | 44.4% |
| HBCP Home Bancorp | Q3 2026 | $40.1M | +6% | 31.8% |
| NARA Narragansett Bancorp | Q2 2026 | $35.3M | +6% | 11.2% |
Source: Pioneer Bancorp 10-Q on SEC EDGAR · CIK 1769663 · Savings Institutions, Not Federally Chartered
Guidance and outlook
13F: who owns PBFS and who is buying
More on PBFS
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results