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). Explore PBFS capex to operating cash flow ratio to see what proportion of operating cash flow is directed to capital expenditures.
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. For the full cash flow conversion analysis, see PBFS operating cash flow.
Annual Free Cash Flow Generation for Pioneer Bancorp Inc (2017–2025)
Year-by-year Free Cash Flow Generation Index for Pioneer Bancorp Inc. Check how aggressively does Pioneer Bancorp Inc reinvest cash to assess the company's total reinvestment commitment from operating cash flow.
| 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 | — |