Pioneer Bancorp Inc (PBFS) — Cash Flow Reinvestment Rate
Pioneer Bancorp Inc (PBFS) has a Cash Flow Reinvestment Rate of 9.56x as of September 2025, reinvesting $37.34 Million (capex $227.00K plus investments $-37.11 Million) from operating cash flow of $3.90 Million. See PBFS FCF generation index to measure how efficiently the company converts operating cash flow to free cash.
Reinvestment Rate
Total Reinvested
Operating Cash Flow
Capital Expenditures
Pioneer Bancorp Inc Cash Flow Reinvestment Rate (2017–2025)
Historical reinvestment intensity for Pioneer Bancorp Inc across 9 annual periods. For the full cash flow conversion analysis, see Pioneer Bancorp Inc (PBFS) cash conversion ratio.
Annual Cash Flow Reinvestment Rate for Pioneer Bancorp Inc (2017–2025)
Year-by-year capital reinvestment analysis for Pioneer Bancorp Inc. See PBFS financial flexibility score to measure the company's free cash flow as a share of total liabilities.
| Year | Reinvestment Rate | Total Reinvested (USD) | Operating CF | Capex | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.04x | $1.51 Million | $33.71 Million | $1.51 Million | ▼ -94.4% |
| 2024 | 0.79x | $18.89 Million | $23.85 Million | $838.00K | ▼ -82.0% |
| 2023 | 4.39x | $115.32 Million | $26.27 Million | $451.00K | ▲ +47.8% |
| 2022 | 2.97x | $148.37 Million | $49.97 Million | $780.00K | ▼ -48.2% |
| 2021 | 5.73x | $187.07 Million | $32.65 Million | $596.00K | ▼ -89.5% |
| 2020 | 54.65x | $110.67 Million | $2.02 Million | $1.70 Million | ▲ +317.1% |
| 2019 | 13.10x | $80.30 Million | $6.13 Million | $2.28 Million | ▲ +247.6% |
| 2018 | 3.77x | $86.71 Million | $23.00 Million | $8.02 Million | ▼ -70.1% |
| 2017 | 12.59x | $149.40 Million | $11.87 Million | $9.37 Million | — |