Pioneer Bancorp Inc Financial Flexibility Index
Pioneer Bancorp Inc financial flexibility index. Pioneer Bancorp Inc (PBFS) has a Financial Flexibility Index of 0.00x as of September 2025. Free cash flow of $4.13 Million (operating CF $3.90 Million minus capex $227.00K) represents 0% of total liabilities ($1.93 Billion). See Pioneer Bancorp Inc free cash flow ratio to measure how efficiently the company converts operating cash flow to free cash.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of Pioneer Bancorp Inc (2017–2025)
Financial flexibility index of Pioneer Bancorp Inc from 2017 to 2025. Historical Financial Flexibility Index trend for Pioneer Bancorp Inc across 9 annual periods. Check PBFS cash to earnings ratio to evaluate the quality of earnings relative to operating cash generation.
Pioneer Bancorp Inc Financial Flexibility Index by Year (2017–2025)
Pioneer Bancorp Inc financial flexibility index by year from 2017 to 2025. Year-by-year free cash flow to debt coverage for Pioneer Bancorp Inc. For the full cash flow conversion analysis, see Pioneer Bancorp Inc operating cash flow efficiency.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.02x | $35.21 Million | $33.71 Million | $1.78 Billion | ▲ +28.0% |
| 2024 | 0.02x | $24.68 Million | $23.85 Million | $1.60 Billion | ▼ -8.2% |
| 2023 | 0.02x | $26.72 Million | $26.27 Million | $1.59 Billion | ▼ -43.0% |
| 2022 | 0.03x | $50.75 Million | $49.97 Million | $1.72 Billion | ▲ +38.2% |
| 2021 | 0.02x | $33.25 Million | $32.65 Million | $1.56 Billion | ▲ +645.4% |
| 2020 | 0.00x | $3.73 Million | $2.02 Million | $1.30 Billion | ▼ -54.2% |
| 2019 | 0.01x | $8.41 Million | $6.13 Million | $1.35 Billion | ▼ -76.5% |
| 2018 | 0.03x | $31.02 Million | $23.00 Million | $1.17 Billion | ▲ +29.1% |
| 2017 | 0.02x | $21.23 Million | $11.87 Million | $1.03 Billion | — |