---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-25-000542"
form_type: "8-K"
ticker: "PBFS"
cik: "0001769663"
company_name: "Pioneer Bancorp, Inc./MD"
filed_at: "2025-01-30T23:59:59+00:00"
generated_at: "2026-05-27T05:41:17.071596+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Pioneer Bancorp reports $9.6M net income for six months ended Dec 2024; EPS $0.38 vs $0.26

## Summary
- Net income $9.6M ($0.38/sh) for six months ended Dec 31, 2024, up from $6.6M ($0.26/sh) a year ago.
- Net loans rose 6.7% to $1.43B; deposits up 2.3% to $1.59B vs June 30, 2024.
- Non-performing assets fell to 0.27% of total assets from 0.49% at June 30, 2024.
- Net interest margin expanded 28 bps to 3.99% for the six-month period.
- Repurchased 287,389 shares at avg $10.81 under May 2024 stock buyback program.

## SEC filing metadata
- accession: 0001558370-25-000542
- form_type: 8-K
- ticker: PBFS
- cik: 0001769663
- company_name: Pioneer Bancorp, Inc./MD
- filed_at: 2025-01-30T23:59:59+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/1769663/000155837025000542/0001558370-25-000542-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1769663/000155837025000542/pbfs-20250130x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-25-000542
- JSON: https://secwatch.observer/filing/0001558370-25-000542.json
- Plain text: https://secwatch.observer/filing/0001558370-25-000542.txt

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