{"filings":[{"id":2162756,"accession_number":"0001104659-26-093399","cik":1769663,"company_name":"Pioneer Bancorp, Inc./MD","ticker":"PBFS","form_type":"8-K/A","filed_at":"2026-08-10T20:20:27+00:00","items":["2.01","9.01"],"status":"ready","headline":"Pioneer Bancorp files financials for Targeted Lending acquisition; net income $2.56M in 2025","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Targeted Lending 2025 net income $2.56M (2024: $1.63M); revenue $15.1M (2024: $11.6M).","Total assets at Dec 31, 2025: $104.9M; net loans receivable $102.5M; allowance 1.6%.","Acquisition of 100% of Targeted Lending all-cash per agreement dated April 24, 2026; now deemed significant under Regulation S-X.","Pro forma combined balance sheet and statements of operations for year ended Dec 31, 2025 filed with this amendment."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":373393571.85333335,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":1968162,"accession_number":"0001104659-26-088689","cik":1769663,"company_name":"Pioneer Bancorp, Inc./MD","ticker":"PBFS","form_type":"8-K","filed_at":"2026-07-30T20:15:27+00:00","items":["2.02","9.01"],"status":"ready","headline":"Pioneer Bancorp Q2 net income falls to $3.5M from $6.5M; completes multiple acquisitions","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $3.5M ($0.14 EPS) vs $6.5M ($0.26 EPS) for Q2 2025.","Net interest income $22.9M, up 16.5% YoY; net interest margin 4.30%, up 17 bps.","Completed acquisitions: Targeted Lending ($140M enterprise value), Reiser Consulting, Wyndham Benefits, College Advisor of NY.","Noninterest expense $22.2M, up 50.6% YoY due to acquisitions and litigation.","Net charge-offs $1.5M vs $70K; allowance for credit losses $28.1M."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":373393571.85333335,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":1940758,"accession_number":"0000943374-26-000336","cik":1769663,"company_name":"Pioneer Bancorp, Inc./MD","ticker":"PBFS","form_type":"8-K","filed_at":"2026-07-29T20:10:45+00:00","items":["8.01","9.01"],"status":"ready","headline":"Pioneer Bancorp acquires The College Advisor of New York, launches College Advising Division","summary_kind":"llm","event_type":"m_and_a","confidence":"medium","bullets":["Acquired The College Advisor of New York, a college admissions consulting firm.","Dr. Dean Skarlis, founder, becomes VP of College Advising at Pioneer.","New division offers college planning integrated with financial strategy.","Part of Pioneer's 'More Than a Bank' strategy to expand services."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":373393571.85333335,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":1830438,"accession_number":"0000943374-26-000300","cik":1769663,"company_name":"Pioneer Bancorp, Inc./MD","ticker":"PBFS","form_type":"8-K","filed_at":"2026-07-23T20:30:27+00:00","items":["5.02","9.01"],"status":"ready","headline":"Pioneer Bancorp appoints Michael T. Keegan, former M&T Bank executive, to board","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Michael T. Keegan appointed to Board of Directors effective July 21, 2026.","Keegan retired from M&T Bank in 2025 after 31 years as Senior EVP and Head of Community Banking.","Expected to serve on Audit and Compensation Committees of Pioneer's Board.","Also appointed to boards of Pioneer Bancorp, MHC and Pioneer Bank, National Association."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":373393571.85333335,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":537916,"accession_number":"0000943374-26-000201","cik":1769663,"company_name":"Pioneer Bancorp, Inc./MD","ticker":"PBFS","form_type":"8-K","filed_at":"2026-05-20T13:21:23+00:00","items":["5.07"],"status":"ready","headline":"Pioneer Bancorp reports annual meeting vote results; all proposals pass","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Directors elected: Hengsterman (20.65M for), Reed (19.99M for), Reinfurt (20.13M for).","Ratification of Bonadio & Co. as auditor for 2026 approved with 22.51M for, 27K against.","Advisory vote on executive compensation approved with 21.14M for, 273K against."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":373393571.85333335,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":95315,"accession_number":"0001104659-26-053068","cik":1769663,"company_name":"Pioneer Bancorp, Inc./MD","ticker":"PBFS","form_type":"8-K","filed_at":"2026-04-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Pioneer Bancorp Q1 net income $5.3M, EPS $0.22; completes $140M acquisition of Targeted Lending","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $5.3M ($0.22 per share) vs $5.8M ($0.23) in prior year; net interest income up 8.7% to $20.8M.","Net loans receivable up 3.3% to $1.70B; deposits up 6.5% to $1.85B; NIM expanded 9bps to 4.21%.","Completed acquisitions of Targeted Lending ($140M enterprise value), Reiser Consulting, and Wyndham Benefits in April 2026.","Noninterest expense rose 24.2% to $18.1M, driven by higher professional fees and litigation-related costs.","Nonperforming assets improved to 0.40% of total assets (from 0.52%); allowance for credit losses 1.51% of loans."],"consensus_eps_estimate":null,"consensus_eps_actual":0.22,"consensus_revenue_estimate":null,"consensus_revenue_actual":3842000.0,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":373393571.85333335,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":95314,"accession_number":"0001104659-26-049906","cik":1769663,"company_name":"Pioneer Bancorp, Inc./MD","ticker":"PBFS","form_type":"8-K","filed_at":"2026-04-28T23:59:59+00:00","items":["2.01","8.01","9.01"],"status":"ready","headline":"Pioneer acquires Targeted Lending for ~$140M enterprise value; launches Specialty Financing division","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["All-cash acquisition of 100% membership interests; base purchase price ~$54M plus ~$88M debt repayment.","Adds nationwide equipment financing platform with ~$120M loan portfolio.","Brian Gallo, CEO of Targeted Lending, will lead new Pioneer Specialty Financing division.","Earn-out up to $3M over three years contingent on net income thresholds.","Transaction closed simultaneously on April 24, 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":373393571.85333335,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":95313,"accession_number":"0000943374-26-000161","cik":1769663,"company_name":"Pioneer Bancorp, Inc./MD","ticker":"PBFS","form_type":"8-K","filed_at":"2026-04-22T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Pioneer Bancorp acquires two employee benefits firms, doubles division, names VP","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Acquired Reiser Consulting Group (Albany, NY) and Wyndham Benefits (Ballston Spa, NY) effective April 20, 2026.","Acquisitions double the size of Pioneer’s Employee Benefits division.","Theresa Reiser named Vice President of Employee Benefits to lead the expanded division.","Chris Goodness (Wyndham Benefits) continues serving clients; brings 30+ years of experience.","Deal expands Pioneer’s 'More Than a Bank' strategy; no financial terms disclosed."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":373393571.85333335,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":108264,"accession_number":"0001104659-26-008652","cik":1769663,"company_name":"Pioneer Bancorp, Inc./MD","ticker":"PBFS","form_type":"8-K","filed_at":"2026-01-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Pioneer Bancorp reports 2025 net income $20.3M ($0.83 EPS), up 33% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income for calendar year 2025 was $20.3M ($0.83 EPS), compared to $15.3M ($0.61 EPS) for fiscal year ended June 30, 2024.","Q4 2025 net income $3.7M ($0.16 basic EPS), up from $3.3M ($0.13) in Q4 2024.","Net interest income $79.1M for 2025, up 19% from $66.5M; net interest margin expanded 29 bps to 4.07%.","Loans grew 14.8% to $1.65B, deposits up 9.6% to $1.74B; non-performing assets rose to 0.52% of assets.","Completed acquisition of Brown Financial Management Group and launched broker-dealer Pioneer Capital Markets."],"consensus_eps_estimate":null,"consensus_eps_actual":0.83,"consensus_revenue_estimate":null,"consensus_revenue_actual":15814000.0,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":373393571.85333335,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":124714,"accession_number":"0000943374-25-000525","cik":1769663,"company_name":"Pioneer Bancorp, Inc./MD","ticker":"PBFS","form_type":"8-K","filed_at":"2025-12-22T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Pioneer Bancorp adopts new executive incentive plan with balanced scorecard; max payout 150% of target","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Plan covers CEO and other executives designated by Compensation Committee; uses annual balanced scorecard with financial, operational, non-financial metrics.","Payout levels: Threshold (50% of target), Target (100%), Maximum (150%); below threshold earns $0.","Awards paid in cash by March 15 following Plan Year; subject to clawback policy.","Plan effective as of January 1 each year; adopted December 16, 2025.","Termination due to death, disability, or retirement at 65+ yields pro-rated award; other termination forfeits award."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":373393571.85333335,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":124713,"accession_number":"0000943374-25-000519","cik":1769663,"company_name":"Pioneer Bancorp, Inc./MD","ticker":"PBFS","form_type":"8-K","filed_at":"2025-12-17T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Pioneer Bancorp authorizes second stock repurchase program for up to 5% of outstanding shares","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Up to 1,254,027 shares (5% of outstanding) authorized; no expiration date.","Earlier program: 1,298,883 shares repurchased at average $11.83/share.","Repurchases allowed in open market, private, block trades, or 10b5-1 plans.","Program is Pioneer's second since mutual holding company reorganization and stock offering."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":373393571.85333335,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":124712,"accession_number":"0000943374-25-000511","cik":1769663,"company_name":"Pioneer Bancorp, Inc./MD","ticker":"PBFS","form_type":"8-K","filed_at":"2025-12-11T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Pioneer Bancorp launches FINRA-registered broker-dealer subsidiary Pioneer Capital Markets","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Wholly owned subsidiary will focus on proprietary trading of investment-grade municipal bonds.","Led by Peter Brandel as President, Robert Kursar as SVP, Gary Galarpe as CCO.","Trading expected to begin after January 1, 2026, subject to final regulatory approvals.","Strategy aims to diversify non-interest income and expand financial services capabilities.","Subsidiary registered with FINRA, SIPC, and SEC; based in North Carolina."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":373393571.85333335,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":124711,"accession_number":"0001104659-25-104486","cik":1769663,"company_name":"Pioneer Bancorp, Inc./MD","ticker":"PBFS","form_type":"8-K","filed_at":"2025-10-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Pioneer Bancorp Q3 net income drops 32% to $4.3M; NPAs rise to $12M from $5.2M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $4.3M ($0.18 EPS) for Q3 2025, down from $6.3M ($0.25) in Q3 2024.","Net loans receivable $1.61B (+12.5% YTD); deposits $1.90B (+19.5% YTD).","Net interest margin 4.16% (up 4 bps); net interest income $20.2M (+12.9%).","Non-performing assets $12.0M (0.53% of assets) vs $5.2M; provision for credit losses $785K vs credit of $870K.","Completed acquisition of Brown Financial Management Group ($73M AUM) on Oct 28, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":0.67,"consensus_revenue_estimate":null,"consensus_revenue_actual":11256000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":373393571.85333335,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":141405,"accession_number":"0000943374-25-000363","cik":1769663,"company_name":"Pioneer Bancorp, Inc./MD","ticker":"PBFS","form_type":"8-K","filed_at":"2025-08-05T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Pioneer Bancorp launches HR Consulting division; hires industry leader Miriam Dushane","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["New division offers on-site HR services, project-based HR work, and leave management for small/mid-sized companies.","Miriam Dushane hired as Vice President of HR Consulting; brings ~30 years of HR leadership experience.","HR Consulting joins insurance, employee benefits, and wealth management as Pioneer's non-banking services.","CEO Thomas Amell says division deepens commitment to small/medium businesses and enhances client relationships."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":373393571.85333335,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":141404,"accession_number":"0001558370-25-009799","cik":1769663,"company_name":"Pioneer Bancorp, Inc./MD","ticker":"PBFS","form_type":"8-K","filed_at":"2025-07-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Pioneer Bancorp Q2 net income rises to $6.5M ($0.26 EPS) from $3.9M year ago","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $6.5M, up 67% YoY; diluted EPS $0.26 vs $0.16.","Net interest income $19.6M (+14% YoY); NIM 4.13%, up 20 bps.","Loans grew 7.5% to $1.54B; deposits up 9.8% to $1.74B.","Non-performing assets rose to $11.5M (0.55% of assets) from $5.2M at Dec 2024; provision $1.6M.","Repurchased 282,836 shares at avg $11.59 in Q2; 491K shares remain under program."],"consensus_eps_estimate":null,"consensus_eps_actual":0.49,"consensus_revenue_estimate":null,"consensus_revenue_actual":7625000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":373393571.85333335,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":159218,"accession_number":"0000943374-25-000226","cik":1769663,"company_name":"Pioneer Bancorp, Inc./MD","ticker":"PBFS","form_type":"8-K","filed_at":"2025-05-22T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Pioneer Bancorp shareholders approve director, auditor, say-on-pay at annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Eileen C. Bagnoli elected director with 20.8M votes for, 1.6M withheld.","Ratification of Bonadio & Co., LLP as independent auditor for 2025: 23.6M for, 152K against.","Non-binding say-on-pay resolution approved: 20.9M for, 1.3M against.","Stockholders recommend one-year frequency for say-on-pay (21.8M votes); board adopts annual vote.","Broker non-votes totaled 1.5M on director election and say-on-pay items."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.15,"market_cap_usd":373393571.85333335,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":159217,"accession_number":"0001558370-25-006003","cik":1769663,"company_name":"Pioneer Bancorp, Inc./MD","ticker":"PBFS","form_type":"8-K","filed_at":"2025-04-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Pioneer Bancorp Q1 net income $5.8M ($0.23/sh), up 23% YoY; NIM expands to 4.12%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $5.8M ($0.23/sh) vs $4.7M ($0.19/sh) prior year; net interest income +10.1% to $19.1M.","Net interest margin 4.12%, up 16 bps; loans +3.7% to $1.49B, deposits +8.5% to $1.72B.","Non-performing assets rose to $10.7M (0.52% of assets) from $5.2M, driven by $4.7M CRE loan placed on non-accrual.","Provision for credit losses increased to $800K from $80K; net charge-offs minimal at 0.00% annualized.","Repurchased 130,813 shares at avg $11.87 in Q1; 774,295 shares remain under buyback program."],"consensus_eps_estimate":null,"consensus_eps_actual":0.23,"consensus_revenue_estimate":null,"consensus_revenue_actual":3651000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":373393571.85333335,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":177656,"accession_number":"0001558370-25-000542","cik":1769663,"company_name":"Pioneer Bancorp, Inc./MD","ticker":"PBFS","form_type":"8-K","filed_at":"2025-01-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Pioneer Bancorp reports $9.6M net income for six months ended Dec 2024; EPS $0.38 vs $0.26","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $9.6M ($0.38/sh) for six months ended Dec 31, 2024, up from $6.6M ($0.26/sh) a year ago.","Net loans rose 6.7% to $1.43B; deposits up 2.3% to $1.59B vs June 30, 2024.","Non-performing assets fell to 0.27% of total assets from 0.49% at June 30, 2024.","Net interest margin expanded 28 bps to 3.99% for the six-month period.","Repurchased 287,389 shares at avg $10.81 under May 2024 stock buyback program."],"consensus_eps_estimate":null,"consensus_eps_actual":0.38,"consensus_revenue_estimate":null,"consensus_revenue_actual":8397000.0,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":373393571.85333335,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":194372,"accession_number":"0000943374-24-000467","cik":1769663,"company_name":"Pioneer Bancorp, Inc./MD","ticker":"PBFS","form_type":"8-K","filed_at":"2024-11-19T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Pioneer Bancorp stockholders elect all three director nominees and ratify auditor at 2024 annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Directors elected: Thomas L. Amell (22,588,806 for), Shaun Mahoney (20,996,839 for), Charles Seifert (22,754,747 for).","Ratification of Bonadio & Co., LLP as independent auditor for transition period ending Dec 31, 2024 passed with 24,141,084 for.","Broker non-votes: 1,308,155 on director elections; none on auditor ratification."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.15,"market_cap_usd":373393571.85333335,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":194371,"accession_number":"0001558370-24-013952","cik":1769663,"company_name":"Pioneer Bancorp, Inc./MD","ticker":"PBFS","form_type":"8-K","filed_at":"2024-10-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Pioneer Bancorp posts record quarterly net income of $6.3M, EPS $0.25 vs $0.14 YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $6.3M ($0.25 per share), up from $3.4M ($0.14) in Sep '23 quarter; record quarterly net income.","Net loans $1.40B (+4.1% vs Jun '24); deposits $1.68B (+8.1%).","Net interest margin 4.12%, up 36 bps YoY; credit provision was a $870K credit (improvement).","Non-performing assets fell to $5.4M (0.27% of assets) from $9.2M (0.49%) in Jun '24.","Closed Pioneer Commercial Bank merger Oct 1, 2024; repurchased 114,389 shares at avg $10.46 in Q."],"consensus_eps_estimate":null,"consensus_eps_actual":0.59,"consensus_revenue_estimate":null,"consensus_revenue_actual":11116000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.78,"calibrated_materiality_score":0.78,"market_cap_usd":373393571.85333335,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":194370,"accession_number":"0000943374-24-000421","cik":1769663,"company_name":"Pioneer Bancorp, Inc./MD","ticker":"PBFS","form_type":"8-K","filed_at":"2024-10-18T23:59:59+00:00","items":["5.03","9.01"],"status":"ready","headline":"Pioneer Bancorp changes fiscal year-end from June 30 to December 31","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board approved amendment to Bylaws switching fiscal year from June 30 to December 31.","Transition report for six months ending December 31, 2024 will be filed on Form 10-K.","Amended and Restated Bylaws attached as Exhibit 3.2 to the 8-K."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":373393571.85333335,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":210701,"accession_number":"0001558370-24-010485","cik":1769663,"company_name":"Pioneer Bancorp, Inc./MD","ticker":"PBFS","form_type":"8-K","filed_at":"2024-07-31T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Pioneer Bancorp FY2024 net income $15.3M ($0.61/share) down 30% from $21.9M prior year","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["FY2024 net income $15.3M vs $21.9M; diluted EPS $0.61 vs $0.87. Q4 net income $3.9M ($0.16).","Net loans receivable up 17.5% to $1.34B; non-performing assets improved to 0.49% of assets.","Net interest income $66.5M (+1.5%); net interest margin 3.78% (+6 bps); provision for credit losses $2.7M.","Noninterest income up 15.4% to $16.3M from litigation settlement and wealth mgmt acquisition; noninterest expense up 17.2% to $60.7M.","Repurchased 106,386 shares at avg $9.97 in Q4 under new 5% buyback program; $1.1M total spent."],"consensus_eps_estimate":null,"consensus_eps_actual":0.61,"consensus_revenue_estimate":null,"consensus_revenue_actual":14953000.0,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":373393571.85333335,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":210700,"accession_number":"0000943374-24-000323","cik":1769663,"company_name":"Pioneer Bancorp, Inc./MD","ticker":"PBFS","form_type":"8-K","filed_at":"2024-07-16T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Pioneer Bancorp appoints Siena College president Charles Seifert to board","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Charles Seifert, Ph.D., president of Siena College, appointed to Pioneer's Board of Directors on July 16, 2024.","Seifert brings prior banking experience as CFO of Albany-Colonie Chamber and VP at Evergreen Bank.","Expected to serve on Audit and Compensation Committees; also joins boards of Pioneer Bank and MHC.","Seifert is eligible for Pioneer's 2020 Equity Incentive Plan and deferred compensation plan."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":373393571.85333335,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":229079,"accession_number":"0000943374-24-000192","cik":1769663,"company_name":"Pioneer Bancorp, Inc./MD","ticker":"PBFS","form_type":"8-K","filed_at":"2024-05-21T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Pioneer Bancorp adopts stock repurchase program for up to 5% of shares; grants equity awards","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Repurchase program authorizes up to 1,298,883 shares (~5% of outstanding), with no expiration date.","First buyback program since mutual holding company reorganization and stock offering.","Compensation committee grants 830,000 stock options and 390,000 restricted shares to officers, employees, directors.","Equity grants vest 20% annually over five years under the 2020 Equity Incentive Plan."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":373393571.85333335,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":229078,"accession_number":"0001558370-24-006379","cik":1769663,"company_name":"Pioneer Bancorp, Inc./MD","ticker":"PBFS","form_type":"8-K","filed_at":"2024-05-01T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Pioneer Bancorp Q3 fiscal 2024 net income $4.7M ($0.19/sh), down 22% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $4.7M ($0.19/sh) for Q3, down from $6.0M ($0.24/sh) YoY; nine-month net income $11.3M ($0.45/sh).","Net loans grew 14.7% to $1.31B; non-performing assets improved to 0.44% of assets from 0.96% at June 30, 2023.","Net interest margin 3.96%, down 18 bps YoY; net interest income $17.3M, down 1.1% from Q3 last year.","Completed conversion to national bank on April 1, 2024; sold entire equity securities portfolio in March 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":0.45,"consensus_revenue_estimate":null,"consensus_revenue_actual":11294000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":373393571.85333335,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":229077,"accession_number":"0000943374-24-000119","cik":1769663,"company_name":"Pioneer Bancorp, Inc./MD","ticker":"PBFS","form_type":"8-K","filed_at":"2024-04-01T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Pioneer Bank converts to national bank under OCC supervision","summary_kind":"llm","event_type":"regulatory","confidence":"high","bullets":["Completed conversion to a national bank on April 1, 2024 after OCC approval.","Bank renamed Pioneer Bank, National Association; now regulated by OCC.","Mutual holding company structure with Pioneer Bancorp, Inc. and MHC unchanged."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":373393571.85333335,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":247684,"accession_number":"0000943374-24-000054","cik":1769663,"company_name":"Pioneer Bancorp, Inc./MD","ticker":"PBFS","form_type":"8-K","filed_at":"2024-02-08T23:59:59+00:00","items":["5.04","9.01"],"status":"ready","headline":"Pioneer Bancorp imposes blackout period for insiders due to 401(k) plan transition","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Blackout for plan participants begins March 6, 2024 and ends week of April 5, 2024.","Directors and executive officers prohibited from trading company equity during blackout under Sarbanes-Oxley.","Blackout due to moving 401(k) plan from Pentegra to Empower, effective March 12, 2024.","Participants notified on Feb 6, 2024; 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net interest margin up 186bps to 4.14%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $6.0M (EPS $0.24) vs $302K (EPS $0.01) in prior-year Q3; nine-month net income $17.4M.","Net interest margin expanded 186bps to 4.14%; net interest income up 76.8% to $17.5M.","Loans grew 10.5% to $1.09B; deposits declined 6.9% to $1.56B.","Nonperforming assets fell to 0.54% of total assets from 0.82% a year ago.","Management expects net interest margin pressure in Q4 due to rising deposit rates."],"consensus_eps_estimate":null,"consensus_eps_actual":0.69,"consensus_revenue_estimate":null,"consensus_revenue_actual":10093000.0,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":373393571.85333335,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":321303,"accession_number":"0001558370-23-000693","cik":1769663,"company_name":"Pioneer Bancorp, Inc./MD","ticker":"PBFS","form_type":"8-K","filed_at":"2023-01-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Pioneer Bancorp posts Q2 net income of $6.2M ($0.25/shr), net interest margin expands 144 bps to 3.85%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $6.2M ($0.25/shr) flat YoY; six-month net income $11.4M ($0.45/shr) up from $7.6M.","Net interest margin expanded 144 bps to 3.85%; net interest income up 63.3% to $17.1M.","Net loans receivable increased $65.5M (6.7%) to $1.05B from June 30, 2022.","Deposits decreased $141.9M (8.4%) to $1.54B, primarily in money market and demand accounts.","Recorded benefit to provision for loan losses of $400K due to improved credit quality and lower net charge-offs."],"consensus_eps_estimate":null,"consensus_eps_actual":0.45,"consensus_revenue_estimate":null,"consensus_revenue_actual":6859000.0,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":373393571.85333335,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":339418,"accession_number":"0000943374-22-000473","cik":1769663,"company_name":"Pioneer Bancorp, Inc./MD","ticker":"PBFS","form_type":"8-K","filed_at":"2022-11-16T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"Pioneer Bancorp stockholders re-elect directors Bagnoli and Taylor, ratify Bonadio & Co.","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Eileen C. Bagnoli re-elected with 19.4M for, 3.3M withheld, 1.3M broker non-votes.","Madeline Taylor re-elected with 19.9M for, 2.7M withheld, 1.3M broker non-votes.","Ratification of Bonadio & Co. as independent auditor for FY2023: 21.9M for, 2.0M against, 47.9K abstain."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.15,"market_cap_usd":373393571.85333335,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":339417,"accession_number":"0001558370-22-017035","cik":1769663,"company_name":"Pioneer Bancorp, Inc./MD","ticker":"PBFS","form_type":"8-K","filed_at":"2022-11-09T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Pioneer Bancorp Q1 fiscal 2023 net income $5.2M ($0.21 EPS); total assets top $2B","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $5.2M ($0.21 per share) vs $1.4M ($0.05) in year-ago quarter.","Net interest margin expanded 81 bps to 3.23%; net interest income up 43.4% to $14.7M.","Total assets exceeded $2B for first time; net loans grew 3.8% to $1.02B.","Provision for loan losses decreased to $120K from $250K; nonperforming assets down to 0.58% of assets."],"consensus_eps_estimate":null,"consensus_eps_actual":0.21,"consensus_revenue_estimate":null,"consensus_revenue_actual":3279000.0,"consensus_period":"2023-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":373393571.85333335,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":375245,"accession_number":"0000943374-22-000207","cik":1769663,"company_name":"Pioneer Bancorp, Inc./MD","ticker":"PBFS","form_type":"8-K","filed_at":"2022-05-31T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Pioneer Bancorp EVP/CAO Frank Sarratori to resign effective June 24, 2022","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Lump-sum payments: $350,000 at least 8 days after release, $100,000 12 months post-separation.","Bank pays full COBRA premiums for up to 18 months; life insurance premiums reimbursed with tax gross-up.","Separation includes non-disparagement, non-solicitation of employees for 12 months, and cooperation with litigation.","Bank acknowledges no reasonable basis to believe Sarratori committed fraud, breach of trust, or insider abuse.","Mr. Sarratori continues employment through June 24, 2022, assisting with transition."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":373393571.85333335,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":412155,"accession_number":"0000943374-21-000509","cik":1769663,"company_name":"Pioneer Bancorp, Inc./MD","ticker":"PBFS","form_type":"8-K","filed_at":"2021-11-16T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"Pioneer Bancorp stockholders elect three directors and ratify auditor at annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Directors elected: Thomas L. Amell (22,102,411 for), Donald E. Fane (21,214,539 for), Shaun Mahoney (20,111,798 for).","Ratification of Bonadio & Co., LLP as independent auditor for FY 2022 approved with 23,670,964 votes for.","Broker non-votes totaled 1,397,384 on director elections and none on auditor ratification."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.15,"market_cap_usd":373393571.85333335,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":null}