---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-26-008652"
form_type: "8-K"
ticker: "PBFS"
cik: "0001769663"
company_name: "Pioneer Bancorp, Inc./MD"
filed_at: "2026-01-30T23:59:59+00:00"
generated_at: "2026-05-16T06:01:34.240885+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Pioneer Bancorp reports 2025 net income $20.3M ($0.83 EPS), up 33% YoY

## Summary
- 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.

## SEC filing metadata
- accession: 0001104659-26-008652
- form_type: 8-K
- ticker: PBFS
- cik: 0001769663
- company_name: Pioneer Bancorp, Inc./MD
- filed_at: 2026-01-30T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1769663/000110465926008652/0001104659-26-008652-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1769663/000110465926008652/pbfs-20260130x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-008652
- JSON: https://secwatch.observer/filing/0001104659-26-008652.json
- Plain text: https://secwatch.observer/filing/0001104659-26-008652.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.