Filing Flows › Pioneer Bancorp (PBFS) › Q4 2025
Pioneer Bancorp (PBFS) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Mar 12, 2026
Pioneer Bancorp (PBFS) reported revenue of $25.0M for the fourth quarter 2025 (Q4 2025), +13% from a year earlier and +4% from the quarter before. Operating margin was 21.3%, net earnings $3.7M (14.9% of revenue).
Pioneer Bancorp, Q4 2025: revenue $25.0M (+12% year over year), operating margin 21.3%, net earnings $3.7M, operating cash flow $5.7M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $25.0M | +4% | +13% |
| Operating profit | $5.3M | -5% | +26% |
| Net earnings | $3.7M | -14% | +14% |
| Operating cash flow | $5.7M | +45% | -62% |
| Free cash flow | $5.5M | — | — |
What changed
Revenue was $25.0M in Q4 2025, up 13% year over year and up 4% from the previous quarter.
Operating profit was $5.3M, a 21.3% margin (up 2.3 points year over year). Of the extra revenue versus a year earlier, 40% reached operating profit, above the 19% margin then. Total costs grew 9% against revenue growth of 13%. The fastest-growing cost line was Noninterest expense (+13%). Net earnings were $3.7M, up 14% year over year. The effective tax rate was 29.7%.
Operating cash flow was $5.7M (down 62% year over year), 152% of net earnings. Non-cash charges added back $121K of depreciation and amortization and $279K of share-based compensation. Working capital and other items added $1.5M. Capital expenditures of $217K left free cash flow of $5.5M.
Questions
What was Pioneer Bancorp's revenue in the fourth quarter 2025?
Pioneer Bancorp (PBFS) reported revenue of $25.0M for the fourth quarter 2025 (Q4 2025), +13% from a year earlier and +4% from the quarter before.
Was Pioneer Bancorp profitable in the fourth quarter 2025?
Operating profit was $5.3M (21.3% of revenue) and net earnings $3.7M.
Source: Pioneer Bancorp 10-K on SEC EDGAR.