Filing Flows › Pioneer Bancorp (PBFS) › How it makes money
How Pioneer Bancorp (PBFS) makes money
Pioneer Bancorp (PBFS) made $29.1M of revenue in the third quarter 2026 (Q3 2026), +21% from a year earlier. Of every dollar of revenue, 0¢ was left as operating profit, 0¢ was left as net earnings.
Drawing the Sankey…
Where each dollar of revenue goes
| Line | Q3 2026 | % of revenue |
|---|---|---|
| Revenue | $29.1M | 100.0% |
| Operating profit | $67K | 0.2% |
| Net earnings | $85K | 0.3% |
| Operating cash flow | $16.8M | 57.7% |
| Free cash flow | $15.8M | 54.2% |
Revenue, quarter by quarter
| Quarter | Revenue | Y/Y |
|---|---|---|
| Q3 2026 | $29.1M | +21% |
| Q2 2026 | $28.3M | +16% |
| Q1 2026 | $24.6M | +8% |
| Q4 2025 | $25.0M | +12% |
| Q3 2025 | $24.0M | +9% |
| Q2 2025 | $24.4M | +17% |
| Q1 2025 | $22.8M | +6% |
From Pioneer Bancorp's 10-Q filed Nov 6, 2026 (on EDGAR).
Questions
How does Pioneer Bancorp make money?
Pioneer Bancorp (PBFS) made $29.1M of revenue in the third quarter 2026 (Q3 2026), +21% from a year earlier. Of every dollar of revenue, 0¢ was left as operating profit, 0¢ was left as net earnings.
What is Pioneer Bancorp's profit margin?
Net earnings were $85K, 0.3% of revenue, in the third quarter 2026; the operating margin was 0.2%.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.