Filing Flows › Pioneer Bancorp (PBFS) › Q3 2026
Pioneer Bancorp (PBFS) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 6, 2026
Pioneer Bancorp (PBFS) reported revenue of $29.1M for the third quarter 2026 (Q3 2026), +21% from a year earlier and +3% from the quarter before. Operating margin was 0.2%, net earnings $85K (0.3% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $29.1M | +3% | +21% |
| Operating profit | $67K | -99% | -99% |
| Net earnings | $85K | -98% | -98% |
| Operating cash flow | $16.8M | +15% | +330% |
| Free cash flow | $15.8M | — | +329% |
What changed
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.
Questions
What was Pioneer Bancorp's revenue in the third quarter 2026?
Pioneer Bancorp (PBFS) reported revenue of $29.1M for the third quarter 2026 (Q3 2026), +21% from a year earlier and +3% from the quarter before.
Was Pioneer Bancorp profitable in the third quarter 2026?
Operating profit was $67K (0.2% of revenue) and net earnings $85K.
Source: Pioneer Bancorp 10-Q on SEC EDGAR.