Companies: 10,795·Total market cap: $144.5T
Pioneer Bancorp, Inc.

Pioneer Bancorp, Inc.

PBFSNASDAQFinancial Services● Active
$16.08
$-0.12(-0.74%)
Market Cap$403234944
P/E Ratio—
52W High$17.04
52W Low$11.24
Cash on HandFinancialsRevenue

Pioneer Bancorp, Inc. (PBFS) Cash on Hand — Cash & Short-Term Investments

Cash & cash equivalents plus short-term investments from the balance sheet, YoY change, and net cash vs debt context.

PBFS · cash on hand · updated Jun 30, 2025

Core cash position

Cash & Short-Term Investments (CCE + ST Investments)
$407.6M▼ -0.3% vs prior year
FY · as of Jun 30, 2025 · Reported in USD
Cash & Cash Equiv. (CCE)
$119.4M
cashAndCashEquivalents
Short-Term Investments
$288.2M
shortTermInvestments
YoY Change vs Prior Year
-0.3%
vs prior fiscal year
Latest Quarter
$198.2M
Q1 2026
Data Scope & Methodology

Cash on Hand = Cash & Cash Equivalents (CCE) + Short-Term Investments, as reported on the balance sheet (10-K/10-Q). Also referred to as cash reserves or cash position. Not free cash flow.

Source: FMP /balance-sheet-statement · SEC 10-K / 10-Q · Reported in USD

Source: FMP /balance-sheet-statement · SEC 10-K / 10-Q · USDUpdated: June 30, 2025

Net cash vs debt

Cash & ST Investments$407.6MCash on Hand
Total Debt$0Total Debt
Net Cash / Net Debt+$407.6MNet Cash Position
Cash vs Debt Ratio
Cash 100%Debt 0%

Pioneer Bancorp, Inc. has a net cash position of $407.6M, holding more cash than debt.

Net Cash = Cash & ST Investments − Total Debt$407.6M − $0 = +$407.6M

Cash on hand history

YoY Increase
YoY Decrease
Latest Year
PBFS annual cash on hand history · Cash & Short-Term Investments · Source: FMP /balance-sheet-statement

Annual cash on hand by year

DateCash & ST InvestmentsYoY Change
Jun 30, 2025Latest$407.6M-0.3%
Jun 30, 2024$409.0M-29.5%
Jun 30, 2023$580.0M-32.1%
Jun 30, 2022$854.4M+45.0%
Jun 30, 2021$589.4M+154.8%
PBFS cash on hand annual historical data · Cash & Short-Term Investments per balance sheet (10-K/10-Q) · Reported in USD · Source: FMP /balance-sheet-statement

Financial Services Sector Cash Reserves Comparison

#CompanyCash & ST Inv.Cash/MCap
#1
JPMorgan Chase & Co.
JPMorgan Chase & Co.
JPM
$1.48T177.5%#2
Berkshire Hathaway Inc.
Berkshire Hathaway Inc.
BRK-B
$373.31B35.5%#3
Visa Inc.
Visa Inc.
V
$21.99B3.6%#4
Mastercard Incorporated
Mastercard Incorporated
MA
$10.90B2.5%
#5
Pioneer Bancorp, Inc.
Pioneer Bancorp, Inc.YOU
PBFS
$407.6M101.1%
Financial Services sector cash reserves · Source: FMP /balance-sheet-statement + /profile · Sorted by Cash desccompanies with most cash on hand →

About cash on hand & methodology

Pioneer Bancorp, Inc. (PBFS) cash on hand as of June 30, 2025 is $407.6M, comprising $119.4M in cash and cash equivalents (CCE) plus $288.2M in short-term investments — reported as Pioneer Bancorp, Inc. cash and short-term investments on the balance sheet (10-K filing). Also referred to as Pioneer Bancorp, Inc. cash reserves or cash position.

Pioneer Bancorp, Inc. annual cash on hand history shows decreased -0.3% in 2025: decreased -0.3% in 2025. Pioneer Bancorp, Inc. cash reserves in 2025 reflect the company's capital allocation strategy.

Pioneer Bancorp, Inc. carries total debt of $0 against cash of $407.6M, resulting in a net cash position of +$407.6M. For the full balance sheet, see the Financials → Balance Sheet tab.

Figures tie to SEC 10-K/10-Q balance sheet disclosures and FMP /balance-sheet-statement where noted.
Financial statementsFree cash flowNet incomeRevenueMarket capP/E ratioEarningsPrice history

Frequently asked questions

PBFS cash on hand · 5 questions

As of June 30, 2025, Pioneer Bancorp, Inc. (PBFS) has $407,606,000 in cash on hand — defined as cash and short-term investments on the balance sheet. This includes $119,386,000 in cash and cash equivalents (CCE) plus $288,220,000 in short-term investments. Latest quarter (March 31, 2026): $198,211,000. Data sourced from the annual 10-K filing via FMP.

PBFS cash on handPBFS cash reservesPBFS cash 2025how much cash does PBFS have

▸ Source: FMP /balance-sheet-statement · US GAAP · Pioneer Bancorp, Inc. · Pioneer Bancorp, Inc. SEC 10-K & 10-Q filings · US GAAP · Last updated: June 30, 2025