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). Read PBFS current and long-term liabilities for a breakdown of total debt and financial obligations.
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 PBFS capital reinvestment ratio to see what proportion of operating cash flow is directed to capital expenditures.
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 market cap of Pioneer Bancorp Inc.
| 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 | — |