Filing Flows › Companies › Pioneer Bancorp › Cash flow
Pioneer Bancorp cash flow, quarter by quarter
Latest: Q3 2026 · from the cash-flow statements filed with the SEC
Free cash flow$16.8M in Q3 2026 · $37.0M over twelve months
Analysis
In Q3 2026, Pioneer Bancorp generated $16.8M of operating cash flow. That is $12.9M more than in Q3 2025 ($3.9M).
Over the twelve months to Sep 30, 2026, operating cash flow was $37.0M; the largest uses were other investing ($337M), buybacks ($3.9M), taxes on employees’ shares ($156K); besides operations, cash came from other financing ($312M); the cash balance rose by $7.3M.
Operating cash flow was $16.8M against net income of $85K — 197.6× profit, cash ran ahead of reported earnings. The largest differences: other liabilities +$10.1M, prepaid and other assets −$6.7M, depreciation & amortization +$1.3M.
Free cash flow
Cash runway and the debt wall
Pioneer Bancorp funds itself: free cash flow was $37.0M over the last twelve months, with $236M of cash and investments and no debt on the balance sheet.
Where the cash came from and went
From profit to cash
Every quarter
| Quarter | Operating cash flow | Acquisitions | Buybacks | Net borrowing (+) / repaid (−) | Shares issued | Cash drawn (+) / kept (−) | Free cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | $16.8M | −$313K | — | −$1K | $47K | −$141M | $16.8M |
| Q2 2026 | $14.7M | — | — | −$2K | — | $62.4M | $14.7M |
| Q1 2026 | −$161K | — | — | −$1K | $47K | −$23.3M | −$161K |
| Q4 2025 | $5.7M | — | −$417K | −$3K | — | $94.9M | $5.7M |
| Q3 2025 | $3.9M | — | −$6.0M | −$33K | — | −$106M | $3.9M |
| Q2 2025 | $5.1M | — | −$3.3M | −$32K | — | $17.6M | $5.1M |
| Q1 2025 | −$3.5M | — | −$1.6M | −$20K | — | −$43.1M | −$3.5M |
| Q4 2024 | $14.9M | — | −$1.9M | −$27K | — | $128M | $14.9M |
Pioneer Bancorp: income statement and cash flow
Pioneer Bancorp, Q3 2026: revenue $29.1M (+21% year over year), operating margin 0.2%. The chart follows the revenue to costs, profit and cash.
Pioneer Bancorp: every quarter, Q/Q and Y/Y → Open in the app
Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.