{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-23-015033","form_type":"8-K","ticker":"PBFS","cik":"0001769663","company_name":"Pioneer Bancorp, Inc./MD","filed_at":"2023-08-16T23:59:59+00:00","discovered_at":"2026-05-14T18:03:35.169514+00:00","generated_at":"2026-06-11T08:40:22.155913+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Pioneer Bancorp reports FY2023 net income $21.9M, up 113% YoY; EPS $0.87","bullets":["Net income $21.9M for FY2023 vs $10.3M prior year; diluted EPS $0.87 vs $0.41.","Net interest margin expanded 131 bps to 3.72% for FY2023 from 2.41%.","Net loans receivable $1.14B, up 16.4% YoY; total assets $1.86B.","Non-performing assets increased to $17.7M (0.96% of assets) from $7.0M (0.36%) a year ago.","Completed acquisition of Hudson Financial LLC in July 2023, adding over $1B in AUM."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-23-015033","json":"https://secwatch.observer/filing/0001558370-23-015033.json","markdown":"https://secwatch.observer/filing/0001558370-23-015033.md","text":"https://secwatch.observer/filing/0001558370-23-015033.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1769663/000155837023015033/0001558370-23-015033-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1769663/000155837023015033/pbfs-20230816x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-11T08:40:22.155913+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"2fd8f812b1a84fd96869a8b296c7b26c408d39da","claim":"Pioneer Bancorp, Inc./MD reported financial results for the fourth quarter and fiscal year ended June 30, 2023.","evidence_excerpt":"On August 16, 2023, Pioneer Bancorp, Inc. issued an earnings release announcing its financial results at or for the three months and fiscal year ended June 30, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1769663/000155837023015033/0001558370-23-015033-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fourth quarter and fiscal year ended June 30, 2023"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"5fc40e202f8e13a878214f997715436c7f82bc33","claim":"Pioneer Bancorp, Inc./MD reported the three months and fiscal year ended June 30, 2023 results: net income $21.9 million, EPS $0.87 per share.","evidence_excerpt":"Net income for the three months and fiscal year ended June 30, 2023 was $4.5 million, or $0.18 per share, and $21.9 million, or $0.87 per share, respectively","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1769663/000155837023015033/0001558370-23-015033-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months and fiscal year ended June 30, 2023"},{"label":"Net income","value":"$21.9 million"},{"label":"EPS","value":"$0.87 per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}