Filing Flows › Pioneer Bancorp (PBFS) › Q3 2026 › vs Q3 2025
Pioneer Bancorp (PBFS) Q3 2026 vs Q3 2025 (year over year)
Pioneer Bancorp's revenue rose $5.1M (+21%) from $24.0M in Q3 2025 to $29.1M in Q3 2026. Operating margin 0.2% against 23.4% (-23.1 pts).
Pioneer Bancorp, Q3 2026: revenue $29.1M (+21% year over year), operating margin 0.2%, net earnings $85K, operating cash flow $16.8M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 0.2% | 23.4% | -23.1 pts |
| Net margin | 0.3% | 18.0% | -17.7 pts |
| Free cash flow margin | 54.2% | 15.3% | +38.9 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $29.1M | $24.0M | $5.1M | +21% |
| Operating profit | $67K | $5.6M | −$5.5M | -99% |
| Costs & expenses | $29.1M | $18.4M | $10.6M | +58% |
| Pre-tax earnings | $67K | $5.6M | −$5.5M | -99% |
| Credit loss provision | $1.3M | $755K | $550K | +73% |
| Noninterest expense | $27.7M | $17.6M | $10.1M | +57% |
| Income tax benefit | $18K | −$1.3M | $1.3M | — |
| Net earnings | $85K | $4.3M | −$4.2M | -98% |
| Depreciation & amortization | $1.3M | $595K | $720K | +121% |
| Share-based compensation | $398K | $283K | $115K | +41% |
| Working capital & other | $15.0M | −$1.3M | $16.3M | — |
| Operating cash flow | $16.8M | $3.9M | $12.9M | +330% |
| Free cash flow (OCF − capex) | $15.8M | $3.7M | $12.1M | +329% |
| Capital expenditures | $1.0M | $227K | $786K | +346% |
Questions
How much did Pioneer Bancorp's revenue grow year over year in Q3 2026?
Pioneer Bancorp's revenue rose $5.1M (+21%) from $24.0M in Q3 2025 to $29.1M in Q3 2026. Operating margin 0.2% against 23.4% (-23.1 pts).