{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-24-010485","form_type":"8-K","ticker":"PBFS","cik":"0001769663","company_name":"Pioneer Bancorp, Inc./MD","filed_at":"2024-07-31T23:59:59+00:00","discovered_at":"2026-05-14T18:03:14.466065+00:00","generated_at":"2026-05-31T14:27:37.228141+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Pioneer Bancorp FY2024 net income $15.3M ($0.61/share) down 30% from $21.9M prior year","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-24-010485","json":"https://secwatch.observer/filing/0001558370-24-010485.json","markdown":"https://secwatch.observer/filing/0001558370-24-010485.md","text":"https://secwatch.observer/filing/0001558370-24-010485.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1769663/000155837024010485/0001558370-24-010485-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1769663/000155837024010485/pbfs-20240731x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T14:27:37.228141+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}