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 total capital reinvestment ratio to assess the company's total reinvestment commitment from operating cash flow.
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. For the full cash flow conversion analysis, see PBFS cash flow conversion.
Annual Financial Flexibility Index for Pioneer Bancorp Inc (2017–2025)
Year-by-year free cash flow to debt coverage for Pioneer Bancorp Inc. Explore Pioneer Bancorp Inc debt service capacity to assess how comfortably operating cash covers total debt obligations.
| 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 | — |