Pioneer Historical Income Statement

PBFS Stock

USD 11.85 0.05 0.42%

Historical analysis of Pioneer Bancorp income statement accounts such as Interest Expense of 22.9 M, Selling General Administrative of 18.3 M, Selling And Marketing Expenses of 569.6 K or Total Revenue of 69 M can show how well Pioneer Bancorp performed in making a profits. Evaluating Pioneer Bancorp income statement over time to spot trends is a great complementary tool to traditional technical analysis and can indicate the direction of Pioneer Bancorp's future profits or losses.

Cash Flow Balance Sheet Income Statement

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Financial Statement Analysis is much more than just reviewing and examining Pioneer Bancorp latest accounting reports to predict its past. Macroaxis encourages investors to analyze financial statements over time for various trends across multiple indicators and accounts to determine whether Pioneer Bancorp is a good buy for the upcoming year.

Net Income Gross Profit

Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Pioneer Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.

For more information on how to buy Pioneer Stock please use our How to Invest in Pioneer Bancorp guide.

About Pioneer Income Statement Analysis

Pioneer Bancorp Income Statement consists of revenues and expenses along with the resulting net income or loss. It represents the profit for the accounting period attributable to Pioneer Bancorp shareholders. The income statement also shows Pioneer investors and management if the firm made money during the period reported. The result of an income statement is the net income that is calculated after subtracting the expenses from revenue. It is essential to investors both as an absolute measure as well as earnings per share (i.e., EPS).

Pioneer Bancorp Income Statement Chart

At this time, Pioneer Bancorp's Depreciation And Amortization is comparatively stable compared to the past year. Interest Expense is likely to gain to about 22.9 M in 2024, whereas Net Interest Income is likely to drop slightly above 54.1 M in 2024.

Selling General Administrative Selling And Marketing Expenses Total Revenue Gross Profit Ebitda

Total Revenue

Total revenue comprises all receipts Pioneer Bancorp generated from the sale of its products or services. The total amount of income generated by the sale of goods or services related to the company's primary operations.

Gross Profit

Gross profit is a required income statement account that reflects total revenue of Pioneer Bancorp minus its cost of goods sold. It is profit before Pioneer Bancorp operating expenses, interest payments and taxes. Gross profit is also known as gross margin. The profit a company makes after deducting the costs associated with making and selling its products, or the costs associated with providing its services.

Most accounts from Pioneer Bancorp's income statement are interrelated and interconnected. However, analyzing income statement accounts one by one will only give a small insight into Pioneer Bancorp current financial condition. On the other hand, looking into the entire matrix of income statement accounts, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Pioneer Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.

For more information on how to buy Pioneer Stock please use our How to Invest in Pioneer Bancorp guide.At this time, Pioneer Bancorp's Depreciation And Amortization is comparatively stable compared to the past year. Interest Expense is likely to gain to about 22.9 M in 2024, whereas Net Interest Income is likely to drop slightly above 54.1 M in 2024.

	2021	2022	2023	2024 (projected)
Interest Income	43.8M	71.0M	88.3M	60.3M
Net Interest Income	42.4M	65.5M	66.5M	54.1M

Interest Income Net Interest Income

Pioneer Bancorp income statement Correlations

	Tax Provision	Net Interest Income	Interest Income	Depreciation And Amortization	Interest Expense	Selling General Administrative	Selling And Marketing Expenses	Total Revenue	Gross Profit	Other Operating Expenses	Operating Income	Net Income From Continuing Ops	Ebit	Ebitda	Total Operating Expenses	Reconciled Depreciation	Income Before Tax	Total Other Income Expense Net	Net Income	Income Tax Expense	Extraordinary Items	Cost Of Revenue
Tax Provision		0.27	0.25	0.0	0.1	-0.14	0.4	0.24	0.19	-0.61	0.91	0.64	0.92	0.91	0.54	0.0	0.93	0.26	0.88	1.0	-0.08	-0.12
Net Interest Income	0.27		0.97	0.7	0.69	-0.2	0.38	0.98	0.96	-0.03	0.35	0.83	0.44	0.47	0.64	0.7	0.53	0.55	0.59	0.27	0.79	-0.5
Interest Income	0.25	0.97		0.61	0.76	-0.38	0.35	0.91	0.92	0.07	0.29	0.76	0.41	0.44	0.69	0.61	0.49	0.6	0.55	0.25	0.72	-0.54
Depreciation And Amortization	0.0	0.7	0.61		0.39	0.12	0.1	0.82	0.86	0.11	0.07	0.57	0.09	0.14	0.35	1.0	0.18	0.37	0.24	0.0	0.9	-0.37
Interest Expense	0.1	0.69	0.76	0.39		-0.68	-0.06	0.61	0.65	0.13	0.09	0.42	0.22	0.24	0.82	0.39	0.27	0.76	0.31	0.1	0.53	-0.93
Selling General Administrative	-0.14	-0.2	-0.38	0.12	-0.68		0.16	-0.05	-0.15	-0.19	-0.01	-0.03	-0.14	-0.14	-0.65	0.12	-0.14	-0.66	-0.14	-0.14	0.01	0.61
Selling And Marketing Expenses	0.4	0.38	0.35	0.1	-0.06	0.16		0.36	0.32	0.05	0.55	0.62	0.57	0.57	-0.1	0.1	0.53	-0.37	0.55	0.4	0.09	0.25
Total Revenue	0.24	0.98	0.91	0.82	0.61	-0.05	0.36		0.99	-0.02	0.32	0.83	0.39	0.43	0.58	0.82	0.49	0.49	0.55	0.24	0.84	-0.47
Gross Profit	0.19	0.96	0.92	0.86	0.65	-0.15	0.32	0.99		0.08	0.25	0.78	0.33	0.37	0.6	0.86	0.43	0.53	0.49	0.19	0.86	-0.51
Other Operating Expenses	-0.61	-0.03	0.07	0.11	0.13	-0.19	0.05	-0.02	0.08		-0.71	-0.4	-0.63	-0.62	-0.27	0.12	-0.63	-0.24	-0.62	-0.61	0.03	-0.04
Operating Income	0.91	0.35	0.29	0.07	0.09	-0.01	0.55	0.32	0.25	-0.71		0.78	0.98	0.98	0.43	0.07	0.97	0.17	0.95	0.91	0.09	-0.08
Net Income From Continuing Ops	0.64	0.83	0.76	0.57	0.42	-0.03	0.62	0.83	0.78	-0.4	0.78		0.82	0.84	0.57	0.57	0.86	0.37	0.9	0.64	0.6	-0.3
Ebit	0.92	0.44	0.41	0.09	0.22	-0.14	0.57	0.39	0.33	-0.63	0.98	0.82		1.0	0.52	0.09	0.99	0.25	0.98	0.92	0.13	-0.16
Ebitda	0.91	0.47	0.44	0.14	0.24	-0.14	0.57	0.43	0.37	-0.62	0.98	0.84	1.0		0.54	0.14	0.99	0.26	0.99	0.91	0.17	-0.18
Total Operating Expenses	0.54	0.64	0.69	0.35	0.82	-0.65	-0.1	0.58	0.6	-0.27	0.43	0.57	0.52	0.54		0.35	0.6	0.92	0.6	0.54	0.38	-0.82
Reconciled Depreciation	0.0	0.7	0.61	1.0	0.39	0.12	0.1	0.82	0.86	0.12	0.07	0.57	0.09	0.14	0.35		0.18	0.37	0.24	0.0	0.9	-0.37
Income Before Tax	0.93	0.53	0.49	0.18	0.27	-0.14	0.53	0.49	0.43	-0.63	0.97	0.86	0.99	0.99	0.6	0.18		0.34	0.99	0.93	0.21	-0.2
Total Other Income Expense Net	0.26	0.55	0.6	0.37	0.76	-0.66	-0.37	0.49	0.53	-0.24	0.17	0.37	0.25	0.26	0.92	0.37	0.34		0.35	0.26	0.42	-0.77
Net Income	0.88	0.59	0.55	0.24	0.31	-0.14	0.55	0.55	0.49	-0.62	0.95	0.9	0.98	0.99	0.6	0.24	0.99	0.35		0.88	0.29	-0.22
Income Tax Expense	1.0	0.27	0.25	0.0	0.1	-0.14	0.4	0.24	0.19	-0.61	0.91	0.64	0.92	0.91	0.54	0.0	0.93	0.26	0.88		-0.08	-0.12
Extraordinary Items	-0.08	0.79	0.72	0.9	0.53	0.01	0.09	0.84	0.86	0.03	0.09	0.6	0.13	0.17	0.38	0.9	0.21	0.42	0.29	-0.08		-0.43
Cost Of Revenue	-0.12	-0.5	-0.54	-0.37	-0.93	0.61	0.25	-0.47	-0.51	-0.04	-0.08	-0.3	-0.16	-0.18	-0.82	-0.37	-0.2	-0.77	-0.22	-0.12	-0.43

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Pioneer Bancorp Account Relationship Matchups

Pioneer Bancorp income statement Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Tax Provision	(3.3M)	1.6M	3.1M	5.9M	4.1M	3.5M
Net Interest Income	48.8M	41.8M	42.4M	65.5M	66.5M	54.1M
Interest Income	53.5M	43.9M	43.8M	71.0M	88.3M	60.3M
Depreciation And Amortization	2.9M	2.9M	2.8M	2.7M	2.6M	2.9M
Interest Expense	4.7M	2.1M	1.5M	5.5M	21.8M	22.9M
Selling General Administrative	25.1M	27.4M	22.4M	29.2M	11.1M	18.3M
Selling And Marketing Expenses	678K	618K	520K	825K	729K	569.6K
Total Revenue	64.5M	57.6M	56.5M	79.7M	74.2M	69.0M
Gross Profit	64.5M	57.6M	56.5M	71.0M	74.2M	67.8M
Other Operating Expenses	74.3M	54.9M	4.0M	5.6M	54.0M	30.5M
Operating Income	(9.8M)	2.7M	14.8M	27.9M	13.5M	14.6M
Ebit	(9.8M)	2.7M	13.3M	27.9M	19.4M	15.2M
Ebitda	(6.9M)	5.5M	16.1M	30.6M	22.0M	18.1M
Total Operating Expenses	(74.3M)	(54.9M)	4.0M	5.6M	76.9M	80.7M
Reconciled Depreciation	2.9M	2.9M	2.7M	2.7M	2.6M	2.9M
Income Before Tax	(9.8M)	2.7M	13.3M	27.9M	19.4M	14.2M
Total Other Income Expense Net	(2.6M)	(4.5M)	4.1M	(872K)	6.0M	6.2M
Net Income Applicable To Common Shares	5.2M	1.1M	10.3M	21.9M	25.2M	26.5M
Net Income	(6.5M)	1.1M	10.3M	21.9M	15.3M	10.8M
Income Tax Expense	(3.3M)	1.6M	3.1M	5.9M	4.1M	3.5M

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Pioneer Historical Income Statement

About Pioneer Income Statement Analysis

Pioneer Bancorp Income Statement Chart

Total Revenue

Gross Profit

Pioneer Bancorp income statement Correlations

Pioneer Bancorp Account Relationship Matchups

High Positive Relationship

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Pioneer Bancorp income statement Accounts

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Income Tax Expense	+ 1.0	Tax Provision
Reconciled Depreciation	+ 1.0	Depreciation And Amortization
Ebitda	+ 1.0	Ebit
Gross Profit	+ 0.99	Total Revenue
Income Before Tax	+ 0.99	Ebit
Income Before Tax	+ 0.99	Ebitda

Cost Of Revenue	- 0.93	Interest Expense
Cost Of Revenue	- 0.82	Total Operating Expenses
Cost Of Revenue	- 0.77	Total Other Income Expense Net
Operating Income	- 0.71	Other Operating Expenses
Selling General Administrative	- 0.68	Interest Expense
Total Other Income Expense Net	- 0.66	Selling General Administrative