Pioneer Bancorp, Inc.

PBFSNASDAQFinancial Services● Active

$16.08

$-0.12(-0.74%)

Market Cap$403234944

P/E Ratio—

52W High$17.04

52W Low$11.319

Avg Volume18K

Open$16.47

Beta0.43

Free Cash Flow Financials Revenue

Pioneer Bancorp, Inc. (PBFS) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

PBFS · free cash flow · updated Jun 9, 2026

Core FCF metrics

PBFS · FCF · TTM · margin & CAGR

Free cash flow was $32.2M for FY2024 (fiscal year ending 2024-12-31), up 39.9% year-over-year The FCF margin was 36.5%. Five-year CAGR stands at +151.2%.

FY2024 Free Cash Flow$32.2M▲ +39.9% YoY

Trailing 12M (TTM)$12.9Mtrailing 4 quarters sum

FCF Margin36.5%$32.2M ÷ revenue

3-Year CAGR-13.2%FY2021 → FY2024

5-Year CAGR+151.2%FY2019 → FY2024

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 9, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

PBFS · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2024Latest$33.7M(2M)$32.2M▲ +39.9%36.5%

FY2024$23.8M(1M)$23.0M▼ 10.9%23.3%

FY2023$26.3M(0M)$25.8M▼ 47.5%30.3%

FY2022$50.0M(1M)$49.2M▲ +53.4%84.9%

FY2021$32.7M(1M)$32.1M▲ +9855.6%53.7%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

PBFS · P/FCF · FCF yield · FCF per share

Pioneer Bancorp, Inc. (PBFS) trades at a FCF yield of 3.20% and a price-to-free-cash-flow ratio of 31.5x. FCF per share stands at $0.51, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

3.20%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$0.51

TTM FCF ÷ Shares Outstanding

Price / FCF

x31.5

Share Price ÷ FCF per Share

EV / FCF (TTM)

x20.1

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2024 · 2024-12-31

Cash flow statement summary

PBFS · cash flow statement · operating / investing / financing

For FY2024, Pioneer Bancorp, Inc. generated $33.7M in operating cash flow and spent 2M in capital expenditures, yielding $32.2M in free cash flow.

Operating Activities

+$33.7M

Cash from core business operations

2024-12-31

Investing Activities

−$311.8M

CapEx, acquisitions & investments

2024-12-31

Financing Activities

+$140.8M

Buybacks, dividends & debt

2024-12-31

FCF FormulaOperating CF ($33.7M) − |CapEx| (2M) = FCF ($32.2M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

PBFS vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

Pioneer Bancorp, Inc.YOU

PBFS

$32.2M+39.9%36.5%

Berkshire Hathaway Inc.

BRK-B

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

Pioneer Bancorp, Inc. (PBFS) reported free cash flow of $32.2M for FY2024 (fiscal year ending 2024-12-31), up 39.9% year-over-year. The FCF margin was 36.5%.

Based on available data, Pioneer Bancorp, Inc. has maintained positive free cash flow for at least 9 fiscal year(s). FCF peaked at $49.2M in FY2022. The 5-year CAGR stands at +151.2%.

Pioneer Bancorp, Inc.'s FCF yield is 3.20% and price-to-FCF ratio is 31.5x for FY2024, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

PBFS free cash flow · 8 questions

Pioneer Bancorp, Inc. free cash flow was $32.2M for FY2024, up 39.9% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $12.9M.

PBFS free cash flowPBFS FCFPBFS FCF 2024PBFS free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · Pioneer Bancorp, Inc. · Pioneer Bancorp, Inc. SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 9, 2026