Pioneer Bancorp Inc (PBFS) — 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). Check PBFS strategic asset allocation to assess the company's strategic physical and investment asset allocation.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Pioneer Bancorp Inc Financial Flexibility Index (2017–2025)
Historical Financial Flexibility Index trend for Pioneer Bancorp Inc across 9 annual periods. See working capital to net assets of Pioneer Bancorp Inc to evaluate short-term liquidity relative to the company's equity base.
Annual Financial Flexibility Index for Pioneer Bancorp Inc (2017–2025)
Year-by-year free cash flow to debt coverage for Pioneer Bancorp Inc. For the full company profile including market capitalisation, see market value of Pioneer Bancorp Inc.
| 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 | — |