{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-24-006379","form_type":"8-K","ticker":"PBFS","cik":"0001769663","company_name":"Pioneer Bancorp, Inc./MD","filed_at":"2024-05-01T23:59:59+00:00","discovered_at":"2026-05-14T18:03:19.982592+00:00","generated_at":"2026-06-03T03:08:01.072297+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Pioneer Bancorp Q3 fiscal 2024 net income $4.7M ($0.19/sh), down 22% YoY","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-24-006379","json":"https://secwatch.observer/filing/0001558370-24-006379.json","markdown":"https://secwatch.observer/filing/0001558370-24-006379.md","text":"https://secwatch.observer/filing/0001558370-24-006379.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1769663/000155837024006379/0001558370-24-006379-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1769663/000155837024006379/pbfs-20240501x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T03:08:01.072297+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":"a2749764be4f676dac7fa36730a2b14a880d70f1","claim":"Pioneer Bancorp, Inc./MD reported three months ended March 31, 2024 results: net income $4.7 million, EPS $0.19 per share.","evidence_excerpt":"Net income for the three and nine months ended March 31, 2024 was $4.7 million, or $0.19 per share and $11.3 million, or $0.45 per share, respectively, as compared to $6.0 million, or $0.24 per share and $17.4 million, or $0.69 per share for the three and nine months ended March 31, 2023, respectively.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1769663/000155837024006379/0001558370-24-006379-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"three months ended March 31, 2024"},{"label":"Net income","value":"$4.7 million"},{"label":"EPS","value":"$0.19 per share"},{"label":"Result","value":"reported results"}]},{"claim_id":"f6f68868a4a1da35d9bba74c6131740bfdd51e48","claim":"Pioneer Bancorp, Inc./MD reported nine months ended March 31, 2024 results: net income $11.3 million, EPS $0.45 per share.","evidence_excerpt":"Net income for the three and nine months ended March 31, 2024 was $4.7 million, or $0.19 per share and $11.3 million, or $0.45 per share, respectively, as compared to $6.0 million, or $0.24 per share and $17.4 million, or $0.69 per share for the three and nine months ended March 31, 2023, respectively.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1769663/000155837024006379/0001558370-24-006379-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"nine months ended March 31, 2024"},{"label":"Net income","value":"$11.3 million"},{"label":"EPS","value":"$0.45 per share"},{"label":"Result","value":"reported results"}]}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}