secwatch.observer — SEC 8-K summary
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Issuer:     Pioneer Bancorp, Inc./MD (PBFS)
CIK:        0001769663
Form:       8-K
Filed at:   2026-01-30T23:59:59+00:00
Accession:  0001104659-26-008652
Event type: earnings
Sentiment:  positive
Materiality: 0.65
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1769663/000110465926008652/0001104659-26-008652-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1769663/000110465926008652/pbfs-20260130x8k.htm
  HTML page:      https://secwatch.observer/filing/0001104659-26-008652

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer