Pioneer Bancorp Inc (PBFS) — Free Cash Flow Generation Index
Pioneer Bancorp Inc (PBFS) has a Free Cash Flow Generation Index of 0.94x as of September 2025. Free cash flow of $3.68 Million represents 1% of operating cash flow ($3.90 Million). See Pioneer Bancorp Inc (PBFS) liquidity to equity ratio to evaluate short-term liquidity relative to the company's equity base.
FCF Generation Index
Free Cash Flow
Operating Cash Flow
Capital Expenditures
Pioneer Bancorp Inc Free Cash Flow Generation Index (2017–2025)
Historical FCF Generation Index trend for Pioneer Bancorp Inc across 9 annual periods. Explore Pioneer Bancorp Inc (PBFS) cash flow to debt to assess how comfortably operating cash covers total debt obligations.
Annual Free Cash Flow Generation for Pioneer Bancorp Inc (2017–2025)
Year-by-year Free Cash Flow Generation Index for Pioneer Bancorp Inc. For the full company profile including market capitalisation, see PBFS market cap overview.
| Year | FCG Index | Free Cash Flow (USD) | Operating CF | Capital Expenditures | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.96x | $32.20 Million | $33.71 Million | $1.51 Million | ▼ -1.0% |
| 2024 | 0.96x | $23.01 Million | $23.85 Million | $838.00K | ▼ -1.8% |
| 2023 | 0.98x | $25.82 Million | $26.27 Million | $451.00K | ▼ -0.2% |
| 2022 | 0.98x | $49.19 Million | $49.97 Million | $780.00K | ▲ +0.3% |
| 2021 | 0.98x | $32.06 Million | $32.65 Million | $596.00K | ▲ +517.4% |
| 2020 | 0.16x | $322.00K | $2.02 Million | $1.70 Million | ▼ -74.7% |
| 2019 | 0.63x | $3.85 Million | $6.13 Million | $2.28 Million | ▼ -3.7% |
| 2018 | 0.65x | $14.99 Million | $23.00 Million | $8.02 Million | ▲ +209.4% |
| 2017 | 0.21x | $2.50 Million | $11.87 Million | $9.37 Million | — |