Pioneer Bankcorp, Inc. ^PBKC

Finances

	2024	2023	2022	2021	2020	2019
Revenue	38.665 M ^{11.88 %}	34.559 M ^{31.80 %}	26.222 M ^{21.85 %}	21.520 M ^{0.68 %}	21.375 M ^{10.95 %}	19.264 M
Net income	9.040 M ^{22.03 %}	7.408 M ^{10.56 %}	6.700 M ^{31.33 %}	5.102 M ^{13.49 %}	4.495 M ^{21.12 %}	3.712 M
Income before tax	11.830 M ^{22.04 %}	9.694 M ^{11.59 %}	8.687 M ^{30.88 %}	6.637 M ^{14.20 %}	5.812 M ^{19.31 %}	4.872 M
Income before tax ratio	0.31 ^{9.08 %}	0.28 ^{-15.33 %}	0.33 ^{7.41 %}	0.31 ^{13.43 %}	0.27 ^{7.53 %}	0.25
EBITDA	12.728 M ^{20.39 %}	10.573 M ^{10.81 %}	9.542 M ^{28.19 %}	7.443 M ^{12.14 %}	6.638 M ^{15.60 %}	5.742 M
Net income ratio	0.23 ^{9.07 %}	0.21 ^{-16.11 %}	0.26 ^{7.78 %}	0.24 ^{12.72 %}	0.21 ^{9.16 %}	0.19
Ratio EBITDA	0.33 ^{7.60 %}	0.31 ^{-15.93 %}	0.36 ^{5.20 %}	0.35 ^{11.38 %}	0.31 ^{4.19 %}	0.30
Gross profit ratio	0.79 ^{-1.62 %}	0.80 ^{-12.68 %}	0.92 ^{-4.03 %}	0.95 ^{2.16 %}	0.93 ^{4.64 %}	0.89
Weighted average shs out dil	1.130 M ^{-1.68 %}	1.149 M ^{-0.92 %}	1.160 M ^{1.53 %}	1.142 M ^{-0.26 %}	1.145 M ^{-2.71 %}	1.177 M
Weighted average shs out	1.130 M ^{-1.68 %}	1.149 M ^{-0.92 %}	1.160 M ^{1.53 %}	1.142 M ^{-0.26 %}	1.145 M ^{-2.71 %}	1.177 M
EPS diluted	8.00 ^{24.22 %}	6.44 ^{11.42 %}	5.78 ^{29.31 %}	4.47 ^{13.74 %}	3.93 ^{24.76 %}	3.15
Earnings per share	8.00 ^{24.22 %}	6.44 ^{11.42 %}	5.78 ^{29.31 %}	4.47 ^{13.74 %}	3.93 ^{24.76 %}	3.15
Gross profit	30.437 M ^{10.07 %}	27.654 M ^{15.09 %}	24.028 M ^{16.93 %}	20.548 M ^{2.86 %}	19.977 M ^{16.10 %}	17.206 M
Income tax expense	2.790 M ^{22.07 %}	2.286 M ^{15.05 %}	1.987 M ^{29.39 %}	1.536 M ^{16.63 %}	1.317 M ^{13.51 %}	1.160 M
Cost of revenue	8.228 M ^{19.15 %}	6.906 M ^{214.76 %}	2.194 M ^{125.71 %}	972.037 K ^{-30.44 %}	1.397 M ^{-32.11 %}	2.058 M
General and administrative expenses	322.986 K ^{-21.22 %}	409.984 K ^{25.93 %}	325.568 K ^{15.78 %}	281.204 K ^{26.54 %}	222.226 K ^{-12.37 %}	253.588 K
Selling and marketing expenses	332.898 K ^{16.37 %}	286.061 K ^{-40.43 %}	480.216 K ^{60.92 %}	298.425 K ^{53.38 %}	194.568 K ^{-23.14 %}	253.156 K
Other expenses	17.951 M ^{3.98 %}	17.264 M ^{18.77 %}	14.535 M ^{9.03 %}	13.331 M ^{-3.03 %}	13.748 M ^{16.24 %}	11.828 M
Operating expenses	18.607 M ^{3.60 %}	17.960 M ^{17.07 %}	15.341 M ^{10.28 %}	13.911 M ^{-1.79 %}	14.165 M ^{14.84 %}	12.335 M
Cost and expenses	26.835 M ^{7.92 %}	24.866 M ^{41.81 %}	17.535 M ^{17.73 %}	14.894 M ^{-4.29 %}	15.562 M ^{8.13 %}	14.393 M
Research and development expenses	0.000	0.000	0.000	0.000	0.000	0.000
Selling general and administrative expenses	655.884 K ^{-5.77 %}	696.045 K ^{-13.62 %}	805.784 K ^{39.02 %}	579.629 K ^{39.07 %}	416.794 K ^{-17.75 %}	506.744 K
Interest income	33.783 M ^{15.46 %}	29.259 M ^{32.85 %}	22.024 M ^{21.52 %}	18.124 M ^{-1.33 %}	18.368 M ^{12.51 %}	16.325 M
Interest expense	8.228 M ^{19.15 %}	6.906 M ^{214.76 %}	2.194 M ^{125.71 %}	972.037 K ^{-30.44 %}	1.397 M ^{-32.11 %}	2.058 M
Depreciation and amortization	898.014 K ^{2.16 %}	878.994 K ^{2.84 %}	854.734 K ^{4.55 %}	817.556 K ^{-0.98 %}	825.614 K ^{-5.13 %}	870.291 K
Operating income	11.830 M ^{22.04 %}	9.694 M ^{11.59 %}	8.687 M ^{30.88 %}	6.637 M ^{14.20 %}	5.812 M ^{19.31 %}	4.872 M
Operating income ratio	0.31 ^{9.08 %}	0.28 ^{-15.33 %}	0.33 ^{7.41 %}	0.31 ^{13.43 %}	0.27 ^{7.53 %}	0.25
Total other income expenses net	0.000	0.000	0.000	0.000	0.000	0.000
	2024	2023	2022	2021	2020	2019

	2024	2023	2022	2021	2020	2019
Net debt	-69.781 M ^{-239.03 %}	50.192 M ^{152.76 %}	-95.133 M ^{-53.67 %}	-61.908 M ^{-8.15 %}	-57.243 M ^{-27.20 %}	-45.003 M
Total investments	437.896 M ^{3 328.89 %}	12.771 M ^{-96.72 %}	389.940 M ^{7.26 %}	363.536 M ^{6.78 %}	340.457 M ^{23.12 %}	276.520 M
Total debt	6.521 M ^{0.00 %}	6.521 M ^{0.00 %}	6.521 M ^{-2.08 %}	6.660 M ^{338.12 %}	1.520 M ^{-17.74 %}	1.848 M
Accumulated other comprehensive income loss	0.000 ^{100.00 %}	-6.012 M	0.000	0.000	0.000	0.000
Retained earnings	52.029 M ^{14.85 %}	45.301 M ^{14.99 %}	39.396 M ^{17.02 %}	33.667 M ^{14.45 %}	29.417 M ^{10.54 %}	26.611 M
Common stock	11.297 K ^{-1.72 %}	11.495 K ^{-0.88 %}	11.597 K ^{1.52 %}	11.423 K ^{-0.26 %}	11.453 K ^{-2.72 %}	11.773 K
Total equity	59.804 M ^{15.33 %}	51.855 M ^{21.57 %}	42.655 M ^{-4.40 %}	44.619 M ^{6.31 %}	41.972 M ^{9.34 %}	38.385 M
Other non current liabilities	5.230 M ^{4.04 %}	5.027 M ^{-6.16 %}	5.356 M ^{20.62 %}	4.441 M ^{24.96 %}	3.554 M ^{-4.49 %}	3.721 M
Long term debt	6.521 M ^{0.00 %}	6.521 M ^{0.00 %}	6.521 M ^{-2.08 %}	6.660 M ^{338.12 %}	1.520 M ^{-17.74 %}	1.848 M
Total non current liabilities	11.751 M ^{-89.14 %}	108.224 M ^{811.15 %}	11.878 M ^{7.00 %}	11.101 M ^{118.78 %}	5.074 M ^{-8.89 %}	5.569 M
Other current liabilities	666.867 M ^{22.40 %}	544.847 M ^{-14.40 %}	636.500 M ^{17.86 %}	540.043 M ^{19.49 %}	451.962 M ^{28.70 %}	351.182 M
Deferred revenue	0.000	0.000	0.000	0.000	0.000	0.000
Short term debt	0.000	0.000	0.000	0.000	0.000	0.000
Total current liabilities	667.108 M ^{22.39 %}	545.080 M ^{-14.39 %}	636.664 M ^{17.88 %}	540.078 M ^{19.49 %}	451.987 M ^{28.69 %}	351.232 M
Total liabilities	678.859 M ^{3.91 %}	653.303 M ^{0.73 %}	648.542 M ^{17.66 %}	551.179 M ^{20.59 %}	457.061 M ^{28.10 %}	356.801 M
Other non current assets	202.539 M ^{-66.73 %}	608.698 M ^{241.32 %}	178.338 M ^{22.51 %}	145.569 M ^{75.50 %}	82.946 M ^{49.27 %}	55.566 M
Long term investments	437.896 M ^{3 328.89 %}	12.771 M ^{-96.72 %}	389.940 M ^{7.26 %}	363.536 M ^{6.78 %}	340.457 M ^{23.12 %}	276.520 M
Intangible assets	0.000	0.000	0.000	0.000	0.000	0.000
GoodWill	0.000	0.000	0.000	0.000	0.000	0.000
Goodwill and intangible assets	0.000	0.000	0.000	0.000	0.000	0.000
Property plant equipment net	14.913 M ^{2.48 %}	14.553 M ^{-1.09 %}	14.714 M ^{-0.64 %}	14.808 M ^{2.27 %}	14.480 M ^{-1.25 %}	14.663 M
Total non current assets	659.280 M ^{3.66 %}	636.022 M ^{8.25 %}	587.533 M ^{11.84 %}	525.337 M ^{19.78 %}	438.598 M ^{26.35 %}	347.119 M
Other current assets	0.000 ^{-100.00 %}	109.848 M	0.000	0.000	0.000	0.000
Short term investments	0.000	0.000	0.000	0.000	0.000	0.000
cash and cash equivalents	76.302 M ^{274.72 %}	-43.671 M ^{-142.96 %}	101.655 M ^{48.25 %}	68.568 M ^{16.68 %}	58.763 M ^{25.43 %}	46.851 M
Cash and short term investments	76.302 M ^{274.72 %}	-43.671 M ^{-142.96 %}	101.655 M ^{48.25 %}	68.568 M ^{16.68 %}	58.763 M ^{25.43 %}	46.851 M
Total current assets	79.383 M ^{14.82 %}	69.137 M ^{-33.31 %}	103.664 M ^{47.12 %}	70.460 M ^{16.59 %}	60.435 M ^{25.73 %}	48.067 M
Inventory	0.000	0.000	0.000	0.000	0.000	0.000
Net receivables	3.081 M ^{4.11 %}	2.959 M ^{47.29 %}	2.009 M ^{6.18 %}	1.892 M ^{13.20 %}	1.672 M ^{37.38 %}	1.217 M
Tax assets	3.931 M	0.000 ^{-100.00 %}	4.541 M ^{218.87 %}	1.424 M ^{99.24 %}	714.816 K ^{93.39 %}	369.629 K
Other assets	0.000	0.000	0.000	0.000	0.000	0.000
Account payables	241.162 K ^{3.66 %}	232.651 K ^{41.69 %}	164.195 K ^{366.90 %}	35.167 K ^{41.88 %}	24.786 K ^{-50.67 %}	50.243 K
Tax payables	0.000	0.000	0.000	0.000	0.000	0.000
Deferred revenue non current	0.000 ^{-100.00 %}	95.905 M	0.000	0.000	0.000	0.000
Minority interest	0.000	0.000	0.000	0.000	0.000	0.000
Capital lease obligations	0.000	0.000	0.000	0.000	0.000	0.000
Preferred stock	0.000	0.000	0.000	0.000	0.000	0.000
Other total stockholders equity	7.764 M ^{-38.16 %}	12.555 M ^{286.63 %}	3.247 M ^{-70.32 %}	10.940 M ^{-12.78 %}	12.543 M ^{6.64 %}	11.762 M
Deferred tax liabilities non current	0.000 ^{-100.00 %}	538.141 K	0.000	0.000	0.000	0.000
Other liabilities	0.000	0.000	0.000	0.000	0.000	0.000
Total assets	738.663 M ^{4.75 %}	705.158 M ^{2.02 %}	691.197 M ^{16.01 %}	595.797 M ^{19.39 %}	499.033 M ^{26.28 %}	395.186 M
	2024	2023	2022	2021	2020	2019

	2024	2023	2022	2021	2020	2019
Deferred income tax	0.000 ^{100.00 %}	-515.494 K	0.000	0.000	0.000	0.000
Stock based compensation	0.000	0.000	0.000	0.000	0.000	0.000
Change in working capital	-121.654 K ^{87.20 %}	-950.200 K ^{-712.39 %}	-116.963 K ^{47.01 %}	-220.711 K ^{51.48 %}	-454.849 K ^{-11 115.96 %}	4.129 K
Accounts receivables	0.000	0.000 ^{100.00 %}	-116.963 K ^{47.01 %}	-220.711 K ^{51.48 %}	-454.849 K	0.000
Inventory	0.000	0.000	0.000	0.000	0.000	0.000
Accounts payables	0.000	0.000	0.000	0.000	0.000	0.000
Other working capital	-121.654 K ^{87.20 %}	-950.200 K	0.000	0.000	0.000	0.000
Other non cash items	975.812 K ^{277.09 %}	-551.034 K ^{-126.35 %}	2.091 M ^{22.04 %}	1.714 M ^{77.85 %}	963.468 K ^{-1.98 %}	982.927 K
Net cash provided by operating activities	9.894 M ^{57.80 %}	6.270 M ^{-34.20 %}	9.529 M ^{28.56 %}	7.412 M ^{27.15 %}	5.830 M ^{4.68 %}	5.569 M
Investments in property plant and equipment	-1.258 M ^{56.10 %}	-2.866 M ^{-277.08 %}	-760.154 K ^{33.69 %}	-1.146 M ^{-44.34 %}	-794.138 K ^{-126.32 %}	-350.888 K
Acquisitions net	0.000 ^{-100.00 %}	645.938 K	0.000	0.000	0.000	0.000
Purchases of investments	-34.346 M ^{39.97 %}	-57.212 M ^{-34.30 %}	-42.599 M ^{47.24 %}	-80.734 M ^{-36.00 %}	-59.362 M ^{-276.91 %}	-15.750 M
Sales maturities of investments	48.655 M ^{81.80 %}	26.763 M ^{641.75 %}	3.608 M ^{-76.48 %}	15.342 M ^{-41.28 %}	26.128 M ^{160.69 %}	10.023 M
Other investing activites	-25.095 M ^{-17.72 %}	-21.318 M ^{2.70 %}	-21.909 M ^{-13.70 %}	-19.270 M ^{73.30 %}	-72.177 M ^{-324.98 %}	-16.984 M
Net cash used for investing activites	-12.045 M ^{77.69 %}	-53.988 M ^{12.44 %}	-61.660 M ^{28.14 %}	-85.807 M ^{19.21 %}	-106.204 M ^{-360.53 %}	-23.061 M
Debt repayment	0.000	0.000 ^{100.00 %}	-138.560 K ^{-102.70 %}	5.140 M ^{1 667.38 %}	-327.918 K ^{36.57 %}	-517.000 K
Common stock issued	161.340 K	0.000 ^{-100.00 %}	785.205 K	0.000 ^{-100.00 %}	4.803 K ^{-99.92 %}	6.396 M
Common stock repurchased	-956.709 K ^{-138.21 %}	-401.624 K	0.000 ^{100.00 %}	-108.000 K ^{89.80 %}	-1.059 M ^{-14.97 %}	-920.871 K
Dividends paid	-1.355 M ^{-23.01 %}	-1.102 M ^{-13.47 %}	-970.965 K ^{-30.61 %}	-743.403 K ^{-17.77 %}	-631.216 K ^{-7.24 %}	-588.628 K
Other financing activites	25.883 M ^{477.14 %}	4.485 M ^{-95.35 %}	96.457 M ^{9.51 %}	88.080 M ^{-12.60 %}	100.781 M ^{242.09 %}	29.460 M
Net cash used provided by financing activities	23.732 M ^{696.04 %}	2.981 M ^{-96.90 %}	96.132 M ^{4.07 %}	92.369 M ^{-6.48 %}	98.768 M ^{191.96 %}	33.830 M
Effect of forex changes on cash	0.000	0.000	0.000	0.000	0.000	0.000
Net change in cash	21.581 M ^{148.24 %}	-44.736 M ^{-201.67 %}	44.002 M ^{214.90 %}	13.973 M ^{969.49 %}	-1.607 M ^{-109.84 %}	16.337 M
Cash at beginning of period	62.496 M ^{-41.72 %}	107.233 M ^{69.59 %}	63.231 M ^{28.37 %}	49.257 M ^{-3.16 %}	50.865 M ^{47.32 %}	34.528 M
Cash at end of period	84.077 M ^{287.94 %}	-44.736 M ^{-141.72 %}	107.233 M ^{69.59 %}	63.231 M ^{28.37 %}	49.257 M ^{-3.16 %}	50.865 M
Operating cash flow	9.894 M ^{57.80 %}	6.270 M ^{-34.20 %}	9.529 M ^{28.56 %}	7.412 M ^{27.15 %}	5.830 M ^{4.68 %}	5.569 M
Capital expenditure	-1.258 M ^{56.10 %}	-2.866 M ^{-277.08 %}	-760.154 K ^{33.69 %}	-1.146 M ^{-44.34 %}	-794.138 K ^{-126.32 %}	-350.888 K
Free CashFlow	8.635 M ^{153.71 %}	3.404 M ^{-61.19 %}	8.769 M ^{39.95 %}	6.266 M ^{24.44 %}	5.035 M ^{-3.50 %}	5.218 M
	2024	2023	2022	2021	2020	2019

	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30
Revenue	11.017 M ^{7.50 %}	10.248 M ^{2.23 %}	10.024 M ^{-0.23 %}	10.047 M ^{6.35 %}	9.447 M ^{3.28 %}	9.147 M ^{0.36 %}	9.114 M ^{-2.66 %}	9.363 M ^{4.30 %}	8.977 M ^{10.26 %}	8.142 M ^{7.71 %}	7.559 M ^{13.11 %}	6.683 M ^{15.03 %}	5.810 M ^{-5.83 %}	6.170 M ^{12.38 %}	5.490 M ^{3.96 %}	5.281 M ^{-1.40 %}	5.356 M
Net income	2.981 M ^{21.52 %}	2.453 M ^{4.93 %}	2.338 M ^{-7.64 %}	2.531 M ^{11.16 %}	2.277 M ^{20.22 %}	1.894 M ^{2.54 %}	1.847 M ^{-5.52 %}	1.955 M ^{1.82 %}	1.920 M ^{14.42 %}	1.678 M ^{-3.45 %}	1.738 M ^{-5.85 %}	1.846 M ^{33.57 %}	1.382 M ^{-20.30 %}	1.734 M ^{39.98 %}	1.239 M ^{2.12 %}	1.213 M ^{0.00 %}	1.213 M
Income before tax	3.916 M ^{21.88 %}	3.213 M ^{5.10 %}	3.057 M ^{-7.89 %}	3.319 M ^{11.30 %}	2.982 M ^{20.63 %}	2.472 M ^{2.23 %}	2.418 M ^{-5.51 %}	2.559 M ^{1.75 %}	2.515 M ^{14.63 %}	2.194 M ^{-3.83 %}	2.281 M ^{-6.00 %}	2.427 M ^{43.02 %}	1.697 M ^{-25.64 %}	2.282 M ^{42.50 %}	1.601 M ^{1.80 %}	1.573 M ^{-0.57 %}	1.582 M
Income before tax ratio	0.36 ^{13.37 %}	0.31 ^{2.80 %}	0.30 ^{-7.68 %}	0.33 ^{4.65 %}	0.32 ^{16.80 %}	0.27 ^{1.86 %}	0.27 ^{-2.93 %}	0.27 ^{-2.45 %}	0.28 ^{3.97 %}	0.27 ^{-10.71 %}	0.30 ^{-16.90 %}	0.36 ^{24.33 %}	0.29 ^{-21.03 %}	0.37 ^{26.80 %}	0.29 ^{-2.08 %}	0.30 ^{0.84 %}	0.30
EBITDA	3.916 M ^{21.88 %}	3.213 M ^{5.10 %}	3.057 M ^{-7.89 %}	3.319 M ^{11.30 %}	2.982 M ^{20.63 %}	2.472 M ^{2.23 %}	2.418 M ^{-5.51 %}	2.559 M ^{1.75 %}	2.515 M ^{14.63 %}	2.194 M ^{-3.83 %}	2.281 M ^{-6.00 %}	2.427 M ^{43.02 %}	1.697 M ^{-25.64 %}	2.282 M ^{42.50 %}	1.601 M ^{1.80 %}	1.573 M ^{-0.57 %}	1.582 M
Net income ratio	0.27 ^{13.04 %}	0.24 ^{2.64 %}	0.23 ^{-7.43 %}	0.25 ^{4.52 %}	0.24 ^{16.40 %}	0.21 ^{2.17 %}	0.20 ^{-2.94 %}	0.21 ^{-2.37 %}	0.21 ^{3.78 %}	0.21 ^{-10.36 %}	0.23 ^{-16.76 %}	0.28 ^{16.13 %}	0.24 ^{-15.36 %}	0.28 ^{24.56 %}	0.23 ^{-1.77 %}	0.23 ^{1.42 %}	0.23
Ratio EBITDA	0.36 ^{13.37 %}	0.31 ^{2.80 %}	0.30 ^{-7.68 %}	0.33 ^{4.65 %}	0.32 ^{16.80 %}	0.27 ^{1.86 %}	0.27 ^{-2.93 %}	0.27 ^{-2.45 %}	0.28 ^{3.97 %}	0.27 ^{-10.71 %}	0.30 ^{-16.90 %}	0.36 ^{24.33 %}	0.29 ^{-21.03 %}	0.37 ^{26.80 %}	0.29 ^{-2.08 %}	0.30 ^{0.84 %}	0.30
Gross profit ratio	0.81 ^{1.64 %}	0.79 ^{0.47 %}	0.79 ^{0.87 %}	0.78 ^{-1.40 %}	0.79 ^{1.91 %}	0.78 ^{2.54 %}	0.76 ^{-3.07 %}	0.78 ^{1.33 %}	0.77 ^{-1.78 %}	0.79 ^{-7.53 %}	0.85 ^{-7.19 %}	0.92 ^{-3.63 %}	0.95 ^{-0.44 %}	0.96 ^{-0.08 %}	0.96 ^{0.01 %}	0.96 ^{0.62 %}	0.95
Weighted average shs out dil	1.130 M ^{0.00 %}	1.130 M ^{0.05 %}	1.130 M ^{0.00 %}	1.130 M ^{-1.09 %}	1.142 M ^{0.00 %}	1.142 M ^{-0.63 %}	1.150 M ^{0.63 %}	1.142 M ^{0.00 %}	1.142 M ^{0.00 %}	1.142 M ^{-1.50 %}	1.160 M ^{1.53 %}	1.142 M ^{0.00 %}	1.142 M ^{-0.26 %}	1.145 M ^{0.26 %}	1.142 M ^{-0.26 %}	1.145 M ^{0.00 %}	1.145 M
Weighted average shs out	1.130 M ^{0.00 %}	1.130 M ^{0.05 %}	1.130 M ^{0.00 %}	1.130 M ^{-1.09 %}	1.142 M ^{0.00 %}	1.142 M ^{-0.63 %}	1.150 M ^{0.63 %}	1.142 M ^{0.00 %}	1.142 M ^{0.00 %}	1.142 M ^{-1.50 %}	1.160 M ^{1.53 %}	1.142 M ^{0.00 %}	1.142 M ^{-0.26 %}	1.145 M ^{0.26 %}	1.142 M ^{-0.26 %}	1.145 M ^{0.00 %}	1.145 M
EPS diluted	2.64 ^{21.66 %}	2.17 ^{4.83 %}	2.07 ^{-7.59 %}	2.24 ^{12.56 %}	1.99 ^{19.88 %}	1.66 ^{3.11 %}	1.61 ^{-5.85 %}	1.71 ^{1.79 %}	1.68 ^{14.29 %}	1.47 ^{-2.00 %}	1.50 ^{-7.41 %}	1.62 ^{33.88 %}	1.21 ^{-19.87 %}	1.51 ^{39.81 %}	1.08 ^{1.89 %}	1.06 ^{0.00 %}	1.06
Earnings per share	2.64 ^{21.66 %}	2.17 ^{4.83 %}	2.07 ^{-7.59 %}	2.24 ^{12.56 %}	1.99 ^{19.88 %}	1.66 ^{3.11 %}	1.61 ^{-5.85 %}	1.71 ^{1.79 %}	1.68 ^{14.29 %}	1.47 ^{-2.00 %}	1.50 ^{-7.41 %}	1.62 ^{33.88 %}	1.21 ^{-19.87 %}	1.51 ^{39.81 %}	1.08 ^{1.89 %}	1.06 ^{0.00 %}	1.06
Gross profit	8.892 M ^{9.27 %}	8.138 M ^{2.71 %}	7.923 M ^{0.64 %}	7.873 M ^{4.86 %}	7.508 M ^{5.26 %}	7.133 M ^{2.91 %}	6.931 M ^{-5.65 %}	7.346 M ^{5.68 %}	6.951 M ^{8.29 %}	6.419 M ^{-0.40 %}	6.445 M ^{4.98 %}	6.139 M ^{10.85 %}	5.538 M ^{-6.25 %}	5.907 M ^{12.30 %}	5.260 M ^{3.98 %}	5.059 M ^{-0.78 %}	5.099 M
Income tax expense	935.000 K ^{23.03 %}	760.000 K ^{5.63 %}	719.483 K ^{-8.70 %}	788.000 K ^{11.77 %}	705.000 K ^{21.97 %}	578.000 K ^{1.40 %}	570.000 K ^{-5.79 %}	605.000 K ^{1.68 %}	595.000 K ^{15.31 %}	516.000 K ^{-5.03 %}	543.339 K ^{-6.32 %}	580.000 K ^{83.54 %}	316.000 K ^{-42.34 %}	548.000 K ^{50.69 %}	363.670 K ^{1.30 %}	359.000 K ^{-2.45 %}	368.000 K
Cost of revenue	2.125 M ^{0.71 %}	2.110 M ^{0.42 %}	2.101 M ^{-3.35 %}	2.174 M ^{12.12 %}	1.939 M ^{-3.72 %}	2.014 M ^{-7.74 %}	2.183 M ^{8.23 %}	2.017 M ^{-0.44 %}	2.026 M ^{17.59 %}	1.723 M ^{54.60 %}	1.115 M ^{104.87 %}	544.000 K ^{100.00 %}	272.000 K ^{3.42 %}	263.000 K ^{14.33 %}	230.037 K ^{3.62 %}	222.000 K ^{-13.62 %}	257.000 K
General and administrative expenses	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000
Selling and marketing expenses	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000
Other expenses	4.976 M ^{1.04 %}	4.925 M ^{1.21 %}	4.866 M ^{6.85 %}	4.554 M ^{0.62 %}	4.526 M ^{-2.90 %}	4.661 M ^{3.28 %}	4.513 M ^{-5.72 %}	4.787 M ^{7.91 %}	4.436 M ^{4.99 %}	4.225 M ^{1.48 %}	4.163 M ^{12.16 %}	3.712 M ^{-3.36 %}	3.841 M ^{5.96 %}	3.625 M ^{-0.92 %}	3.659 M ^{4.96 %}	3.486 M ^{-0.88 %}	3.517 M
Operating expenses	4.976 M ^{1.04 %}	4.925 M ^{1.21 %}	4.866 M ^{6.85 %}	4.554 M ^{0.62 %}	4.526 M ^{-2.90 %}	4.661 M ^{3.28 %}	4.513 M ^{-5.72 %}	4.787 M ^{7.91 %}	4.436 M ^{4.99 %}	4.225 M ^{1.48 %}	4.163 M ^{12.16 %}	3.712 M ^{-3.36 %}	3.841 M ^{5.96 %}	3.625 M ^{-0.92 %}	3.659 M ^{4.96 %}	3.486 M ^{-0.88 %}	3.517 M
Cost and expenses	7.101 M ^{0.94 %}	7.035 M ^{0.97 %}	6.967 M ^{3.55 %}	6.728 M ^{4.07 %}	6.465 M ^{-3.15 %}	6.675 M ^{-0.31 %}	6.696 M ^{-1.59 %}	6.804 M ^{5.29 %}	6.462 M ^{8.64 %}	5.948 M ^{12.70 %}	5.278 M ^{24.01 %}	4.256 M ^{3.48 %}	4.113 M ^{5.79 %}	3.888 M ^{-0.02 %}	3.889 M ^{4.88 %}	3.708 M ^{-1.75 %}	3.774 M
Research and development expenses	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000
Selling general and administrative expenses	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000
Interest income	9.865 M ^{8.34 %}	9.106 M ^{2.91 %}	8.848 M ^{0.55 %}	8.800 M ^{7.15 %}	8.213 M ^{3.67 %}	7.922 M ^{3.94 %}	7.622 M ^{-1.94 %}	7.773 M ^{8.52 %}	7.163 M ^{6.81 %}	6.706 M ^{5.78 %}	6.340 M ^{13.03 %}	5.609 M ^{16.06 %}	4.833 M ^{-7.56 %}	5.228 M ^{14.86 %}	4.552 M ^{2.12 %}	4.457 M ^{-1.15 %}	4.509 M
Interest expense	2.125 M ^{0.71 %}	2.110 M ^{0.42 %}	2.101 M ^{-3.35 %}	2.174 M ^{12.12 %}	1.939 M ^{-3.72 %}	2.014 M ^{-7.74 %}	2.183 M ^{8.23 %}	2.017 M ^{-0.44 %}	2.026 M ^{17.59 %}	1.723 M ^{54.60 %}	1.115 M ^{104.87 %}	544.000 K ^{100.00 %}	272.000 K ^{3.42 %}	263.000 K ^{14.33 %}	230.037 K ^{3.62 %}	222.000 K ^{-13.62 %}	257.000 K
Depreciation and amortization	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000
Operating income	3.916 M ^{21.88 %}	3.213 M ^{5.10 %}	3.057 M ^{-7.89 %}	3.319 M ^{11.30 %}	2.982 M ^{20.63 %}	2.472 M ^{2.23 %}	2.418 M ^{-5.51 %}	2.559 M ^{1.75 %}	2.515 M ^{14.63 %}	2.194 M ^{-3.83 %}	2.281 M ^{-6.00 %}	2.427 M ^{43.02 %}	1.697 M ^{-25.64 %}	2.282 M ^{42.50 %}	1.601 M ^{1.80 %}	1.573 M ^{-0.57 %}	1.582 M
Operating income ratio	0.36 ^{13.37 %}	0.31 ^{2.80 %}	0.30 ^{-7.68 %}	0.33 ^{4.65 %}	0.32 ^{16.80 %}	0.27 ^{1.86 %}	0.27 ^{-2.93 %}	0.27 ^{-2.45 %}	0.28 ^{3.97 %}	0.27 ^{-10.71 %}	0.30 ^{-16.90 %}	0.36 ^{24.33 %}	0.29 ^{-21.03 %}	0.37 ^{26.80 %}	0.29 ^{-2.08 %}	0.30 ^{0.84 %}	0.30
Total other income expenses net	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000
	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30

	2024-12-31	2024-09-30	2024-06-30	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2021-12-31
Net debt	-69.781 M	0.000	0.000 ^{100.00 %}	-49.056 M	0.000	0.000	0.000 ^{100.00 %}	-95.133 M ^{-53.67 %}	-61.908 M
Total investments	437.896 M ^{130.66 %}	189.844 M ^{-1.00 %}	191.761 M ^{-53.47 %}	412.095 M ^{-30.90 %}	596.368 M ^{56.06 %}	382.133 M ^{-0.33 %}	383.404 M ^{-1.68 %}	389.940 M ^{7.26 %}	363.536 M
Total debt	6.521 M	0.000	0.000 ^{-100.00 %}	6.521 M	0.000	0.000	0.000 ^{-100.00 %}	6.521 M ^{-2.08 %}	6.660 M
Accumulated other comprehensive income loss	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000
Retained earnings	52.029 M	0.000	0.000 ^{-100.00 %}	45.301 M	0.000	0.000	0.000 ^{-100.00 %}	39.396 M ^{17.02 %}	33.667 M
Common stock	11.297 K	0.000	0.000 ^{-100.00 %}	11.495 K	0.000	0.000	0.000 ^{-100.00 %}	11.597 K ^{1.52 %}	11.423 K
Total equity	59.804 M ^{-1.93 %}	60.983 M ^{11.65 %}	54.620 M ^{5.33 %}	51.855 M ^{10.38 %}	46.977 M ^{1.22 %}	46.412 M ^{3.18 %}	44.983 M ^{5.46 %}	42.655 M ^{-4.40 %}	44.619 M
Other non current liabilities	5.230 M	0.000	0.000 ^{-100.00 %}	5.027 M ^{-63.58 %}	13.804 M ^{4.63 %}	13.193 M ^{-1.64 %}	13.413 M ^{150.41 %}	5.356 M ^{20.62 %}	4.441 M
Long term debt	6.521 M	0.000	0.000 ^{-100.00 %}	6.521 M	0.000	0.000	0.000 ^{-100.00 %}	6.521 M ^{-2.08 %}	6.660 M
Total non current liabilities	11.751 M	0.000	0.000 ^{-100.00 %}	11.548 M ^{-16.34 %}	13.804 M ^{4.63 %}	13.193 M ^{-1.64 %}	13.413 M ^{12.93 %}	11.878 M ^{7.00 %}	11.101 M
Other current liabilities	666.867 M	0.000	0.000 ^{-100.00 %}	640.984 M ^{1.10 %}	634.009 M ^{-4.01 %}	660.515 M ^{-1.80 %}	672.613 M ^{5.67 %}	636.500 M ^{17.86 %}	540.043 M
Deferred revenue	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000
Short term debt	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000
Total current liabilities	667.108 M	0.000	0.000 ^{-100.00 %}	641.217 M ^{1.14 %}	634.009 M ^{-4.01 %}	660.515 M ^{-1.80 %}	672.613 M ^{5.65 %}	636.664 M ^{17.88 %}	540.078 M
Total liabilities	678.859 M ^{1.68 %}	667.672 M ^{-0.76 %}	672.776 M ^{3.07 %}	652.765 M ^{0.76 %}	647.813 M ^{-3.84 %}	673.708 M ^{-1.80 %}	686.026 M ^{5.78 %}	648.542 M ^{17.66 %}	551.179 M
Other non current assets	202.539 M ^{206.69 %}	-189.844 M ^{1.00 %}	-191.761 M ^{-188.99 %}	215.498 M ^{118.95 %}	98.422 M ^{-70.88 %}	337.987 M ^{-2.77 %}	347.605 M ^{94.91 %}	178.338 M ^{22.51 %}	145.569 M
Long term investments	437.896 M ^{130.66 %}	189.844 M ^{-1.00 %}	191.761 M ^{-53.47 %}	412.095 M ^{-30.90 %}	596.368 M ^{56.06 %}	382.133 M ^{-0.33 %}	383.404 M ^{-1.68 %}	389.940 M ^{7.26 %}	363.536 M
Intangible assets	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000
GoodWill	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000
Goodwill and intangible assets	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000
Property plant equipment net	14.913 M	0.000	0.000 ^{-100.00 %}	14.553 M	0.000	0.000	0.000 ^{-100.00 %}	14.714 M ^{-0.64 %}	14.808 M
Total non current assets	659.280 M	0.000	0.000 ^{-100.00 %}	646.084 M ^{-7.01 %}	694.790 M ^{-3.52 %}	720.120 M ^{-1.49 %}	731.009 M ^{24.42 %}	587.533 M ^{11.84 %}	525.337 M
Other current assets	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000
Short term investments	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000
cash and cash equivalents	76.302 M	0.000	0.000 ^{-100.00 %}	55.577 M	0.000	0.000	0.000 ^{-100.00 %}	101.655 M ^{48.25 %}	68.568 M
Cash and short term investments	76.302 M	0.000	0.000 ^{-100.00 %}	55.577 M	0.000	0.000	0.000 ^{-100.00 %}	101.655 M ^{48.25 %}	68.568 M
Total current assets	79.383 M	0.000	0.000 ^{-100.00 %}	58.537 M	0.000	0.000	0.000 ^{-100.00 %}	103.664 M ^{47.12 %}	70.460 M
Inventory	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000
Net receivables	3.081 M	0.000	0.000 ^{-100.00 %}	2.959 M	0.000	0.000	0.000 ^{-100.00 %}	2.009 M ^{6.18 %}	1.892 M
Tax assets	3.931 M	0.000	0.000 ^{-100.00 %}	3.938 M	0.000	0.000	0.000 ^{-100.00 %}	4.541 M ^{218.87 %}	1.424 M
Other assets	0.000 ^{-100.00 %}	728.655 M ^{0.17 %}	727.396 M	0.000	0.000	0.000	0.000	0.000	0.000
Account payables	241.162 K	0.000	0.000 ^{-100.00 %}	232.651 K	0.000	0.000	0.000 ^{-100.00 %}	164.195 K ^{366.90 %}	35.167 K
Tax payables	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000
Deferred revenue non current	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000
Minority interest	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000
Capital lease obligations	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000
Preferred stock	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000
Other total stockholders equity	7.764 M ^{-87.27 %}	60.983 M ^{11.65 %}	54.620 M ^{734.79 %}	6.543 M ^{-86.07 %}	46.977 M ^{1.22 %}	46.412 M ^{3.18 %}	44.983 M ^{1 285.30 %}	3.247 M ^{-70.32 %}	10.940 M
Deferred tax liabilities non current	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000
Other liabilities	0.000 ^{-100.00 %}	667.672 M ^{-0.76 %}	672.776 M	0.000	0.000	0.000	0.000	0.000	0.000
Total assets	738.663 M ^{1.37 %}	728.655 M ^{0.17 %}	727.396 M ^{3.23 %}	704.620 M ^{1.41 %}	694.790 M ^{-3.52 %}	720.120 M ^{-1.49 %}	731.009 M ^{5.76 %}	691.197 M ^{16.01 %}	595.797 M
	2024-12-31	2024-09-30	2024-06-30	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2021-12-31


Deferred income tax
Stock based compensation
Change in working capital
Accounts receivables
Inventory
Accounts payables
Other working capital
Other non cash items
Net cash provided by operating activities
Investments in property plant and equipment
Acquisitions net
Purchases of investments
Sales maturities of investments
Other investing activites
Net cash used for investing activites
Debt repayment
Common stock issued
Common stock repurchased
Dividends paid
Other financing activites
Net cash used provided by financing activities
Effect of forex changes on cash
Net change in cash
Cash at beginning of period
Cash at end of period
Operating cash flow
Capital expenditure
Free CashFlow

Date	Form 10K
2024
2023
2022
2021
2020
2019

Pioneer Bankcorp, Inc. PBKC

Finances

Pioneer Bankcorp, Inc. ^PBKC