For the quarter ending 2025-09-30, PBFS had $106,483K increase in cash & cash equivalents over the period.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 4,330 | 12,214 |
| Depreciation and amortization | 595 | 1,183 |
| Provision for credit losses | 785 | 2,350 |
| Net accretion on securities | 1,231 | 2,502 |
| Esop compensation | 163 | 294 |
| (earnings) loss on bank-owned life insurance | -22 | 514 |
| Loss on sale, disposal or impairment of premises and equipment, net | 0 | -7 |
| Gain on termination of operating lease, net | 0 | 10 |
| Stock-based compensation expense | 283 | 705 |
| Deferred tax (benefit) expense | -1,236 | -1,042 |
| (increase) decrease in accrued interest receivable | 540 | 767 |
| (increase) decrease in other assets | 689 | -317 |
| Decrease in other liabilities | 1,421 | -10,689 |
| Changes in operating leases | 2 | -9 |
| Net cash provided by operating activities | 3,905 | 1,537 |
| Proceeds from maturities, paydowns and calls of securities available for sale | 45,216 | 131,532 |
| Purchases of securities available for sale | 8,555 | 93,395 |
| Proceeds from maturities and paydowns of securities held to maturity | 2,401 | 3,329 |
| Purchases of securities held to maturity | 3,907 | 20,500 |
| Net redemptions (purchases) of fhlbny and frbny stock | 169 | -1,518 |
| Net increase in loans receivable | 71,872 | 111,014 |
| Purchases of premises and equipment | 227 | 1,873 |
| Proceeds from bank-owned life insurance death benefit | 0 | 1,142 |
| Net cash used in investing activities | -37,113 | -89,261 |
| Net increase in deposits | 153,171 | 155,677 |
| Net decrease in mortgagors' escrow deposits | -6,701 | 2,672 |
| Repayment of fhlbny borrowings, net | 0 | -40,000 |
| Payments on acquisition contingent consideration | 750 | - |
| Repurchase of common stock | 5,996 | 4,881 |
| Purchase of employee restricted shares to fund statutory tax withholding | 0 | 145 |
| Repayment of finance lease liability | 33 | 52 |
| Net cash provided by financing activities | 139,691 | 113,271 |
| Net increase in cash and cash equivalents | 106,483 | 25,547 |
| Cash and cash equivalents at beginning of period | 96,521 | - |
| Cash and cash equivalents at end of period | 228,551 | - |
Pioneer Bancorp, Inc. MD (PBFS)
Pioneer Bancorp, Inc. MD (PBFS)