Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | $12.9M | $12.6M | $12.8M | $13.2M | $13.0M | $15.0M | $15.8M |
| Revenue growth | — | — | -2.6% | 1.7% | 3.6% | -1.9% | 15.2% | 5.8% |
| Net income | $11.5M | $19.0M | $5.20M | $1.08M | $10.3M | $21.9M | $15.3M | $20.3M |
| Net margin | — | 147.5% | 41.4% | 8.4% | 77.7% | 169.1% | 102.1% | 128.3% |
| EPS (diluted) | — | — | $0.21 | $0.04 | $0.41 | $0.87 | $0.61 | $0.83 |
| Fiscal year | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $23.0M | $6.13M | $2.02M | $32.7M | $50.0M | $26.3M | $23.8M | $11.1M |
| Capital expenditures | $8.02M | $2.28M | $1.70M | $596K | $780K | $451K | — | — |
| Free cash flow | $15.0M | $3.85M | $322K | $32.1M | $49.2M | $25.8M | — | — |
| Share buybacks | — | — | — | — | — | — | $1.07M | $11.3M |
| Fiscal year | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $120M | $230M | $157M | $325M | $376M | $150M | $165M | $134M |
| Total assets | $1.28B | $1.48B | $1.53B | $1.80B | $1.96B | $1.86B | $1.98B | $2.15B |
| Total liabilities | $1.17B | $1.35B | $1.30B | $1.56B | $1.72B | $1.59B | $1.68B | $1.83B |
| Shareholders' equity | $118M | $123M | $224M | $238M | $243M | $267M | $297M | $324M |
| Retained earnings | $116M | $146M | $140M | $141M | $151M | $173M | $194M | $203M |
| Shares (wtd avg diluted) | — | — | 26.0M | 25.1M | 25.1M | 25.2M | 25.2M | 24.6M |
Every figure is extracted from Pioneer Bancorp, Inc./MD’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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