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    Pioneer Bancorp, Inc./MD

    Company overview

    Market capitalization
    $440.19M
    Employees
    265
    Latest publication
    2026-09-29
    About Pioneer Bancorp, Inc./MD

    Pioneer Bancorp, Inc. operates as a holding company for Pioneer Bank, National Association that provides various banking products and services in New York. It accepts various deposit accounts, such as demand, savings, and money market accounts, as well as certificates of deposit accounts. The company's loan products include commercial real estate, commercial and industrial, commercial construction, residential mortgage, consumer loans, home equity loans, and lines of credit. It also invests in securities, including U.S. treasury securities, fixed-rate mortgage-backed securities and collateralized mortgage obligations, fixed-rate investment grade bonds, and corporate debt securities. In addition, the company offers personal and commercial insurance products, including homeowners, automobile, and comprehensive business insurance; employee benefit products and consulting services, such as group health, dental, disability, and life insurance products; defined contribution and benefit administration, and human resource management services; and wealth management services comprising investment advice, retirement income planning, estate planning, business succession, and employer retirement planning. Pioneer Bancorp, Inc. was founded in 1889 and is based in Albany, New York. Pioneer Bancorp, Inc. operates as a subsidiary of Pioneer Bancorp MHC.

    Company website

    Financial statements

    Income Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ2 20262026-06-30 · USDQ3 20262026-03-31 · USDQ1 20262025-09-30 · USDQ4 20252025-06-30 · USDQ3 20252025-03-31 · USDQ2 20252024-12-31 · USDQ1 20252024-09-30 · USDQ4 20242024-06-30 · USD
    Total Revenue37,336,000USD32,232,000USD32,102,000USD31,812,000USD29,573,000USD29,144,000USD28,497,000USD27,246,000USD
    Selling And Marketing Expenses372,000USD—239,000USD306,000USD243,000USD—224,000USD212,000USD
    Total Operating Expenses372,000USD18,121,000USD17,624,000USD14,727,000USD14,591,000USD—14,689,000USD15,106,000USD
    Interest Income31,872,000USD28,372,000USD28,287,000USD27,006,000USD25,848,000USD—24,379,000USD23,558,000USD
    Interest Expense9,019,000USD7,625,000USD8,084,000USD7,398,000USD6,765,000USD—6,482,000USD6,360,000USD
    Net Interest Income22,853,000USD20,747,000USD20,203,000USD19,608,000USD19,083,000USD—17,897,000USD17,198,000USD
    Non Interest Income5,464,000USD———————
    Revenue Net Of Interest Expense28,317,000USD———————
    Non Interest Expense22,182,000USD———————
    Labor And Related Expense9,957,000USD———————
    Income Before Tax4,785,000USD5,706,000USD5,609,000USD8,137,000USD7,417,000USD4,215,000USD8,196,000USD5,030,000USD
    Income Tax Expense1,301,000USD416,000USD1,279,000USD1,686,000USD1,654,000USD923,000USD1,888,000USD1,100,000USD
    Net Income3,484,000USD5,290,000USD4,330,000USD6,451,000USD5,763,000USD3,292,000USD6,308,000USD3,930,000USD
    Cost Of Revenue—8,405,000USD8,869,000USD8,948,000USD7,565,000USD29,144,000USD5,612,000USD7,110,000USD
    Gross Profit—23,827,000USD23,233,000USD22,864,000USD22,008,000USD—22,885,000USD20,136,000USD
    Selling General Administrative—9,426,000USD9,034,000USD1,845,000USD8,770,000USD—8,177,000USD7,971,000USD
    Unclassified Operating Expenses—8,695,000USD8,351,000USD12,576,000USD5,578,000USD—6,288,000USD6,923,000USD
    Operating Income—5,706,000USD5,609,000USD8,137,000USD7,417,000USD4,215,000USD8,196,000USD5,030,000USD
    Tax Provision—416,000USD1,279,000USD1,686,000USD1,654,000USD—1,888,000USD1,100,000USD
    Net Income From Continuing Ops—5,290,000USD4,330,000USD6,451,000USD5,763,000USD—6,308,000USD3,930,000USD
    Ebitda—5,706,000USD6,204,000USD8,137,000USD8,000,000USD4,215,000USD8,825,000USD5,671,000USD
    Reconciled Depreciation—608,000USD595,000USD600,000USD583,000USD—629,000USD641,000USD
    Ebit——5,609,000USD—7,417,000USD—8,196,000USD5,030,000USD
    Depreciation And Amortization——595,000USD—583,000USD—629,000USD641,000USD
    Total Other Income Expense Net——21,163,000USD———1,714,000USD19,409,000USD
    SourceDisclosureDeterministicFinalLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Income Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-06-30 · USDFY 20242024-06-30 · USDFY 20232023-06-30 · USDFY 20222022-06-30 · USDFY 20212021-06-30 · USDFY 20202020-06-30 · USDFY 20192019-06-30 · USDFY 20182018-06-30 · USD
    Total Revenue88,118,000USD98,696,000USD79,689,000USD57,916,000USD59,677,000USD69,201,000USD68,566,000USD59,290,000USD
    Gross Profit88,118,000USD74,193,000USD71,033,000USD57,002,000USD53,517,000USD57,680,000USD45,936,000USD54,134,000USD
    Selling General Administrative11,692,000USD31,228,000USD29,186,000USD22,410,000USD27,775,000USD25,100,000USD23,323,000USD22,462,000USD
    Selling And Marketing Expenses956,000USD729,000USD—520,000USD618,000USD678,000USD925,000USD732,000USD
    Unclassified Operating Expenses42,612,000USD22,827,000USD-23,622,000USD20,734,000USD22,464,000USD25,907,000USD13,642,000USD13,131,000USD
    Total Operating Expenses55,260,000USD54,784,000USD5,564,000USD43,664,000USD50,857,000USD51,685,000USD37,890,000USD36,325,000USD
    Operating Income32,858,000USD19,409,000USD27,855,000USD13,338,000USD2,660,000USD5,995,000USD8,046,000USD17,809,000USD
    Income Before Tax24,822,000USD19,409,000USD27,855,000USD13,338,000USD2,660,000USD5,995,000USD8,046,000USD17,809,000USD
    Income Tax Expense5,622,000USD4,149,000USD5,907,000USD3,059,000USD1,583,000USD797,000USD737,000USD6,310,000USD
    Net Income19,200,000USD15,260,000USD21,948,000USD10,279,000USD1,077,000USD5,198,000USD7,309,000USD11,499,000USD
    Total Other Income Expense Net-8,036,000USD5,950,000USD-872,000USD4,104,000USD-4,488,000USD-2,528,000USD-5,083,000USD-5,523,000USD
    Cost Of Revenue—24,503,000USD8,656,000USD914,000USD6,160,000USD11,521,000USD22,630,000USD5,156,000USD
    Interest Income—88,316,000USD71,033,000USD43,842,000USD43,927,000USD53,519,000USD54,159,000USD46,486,000USD
    Interest Expense—21,803,000USD5,492,000USD1,464,000USD2,110,000USD4,731,000USD4,480,000USD3,186,000USD
    Net Interest Income—66,513,000USD65,541,000USD42,378,000USD41,817,000USD48,788,000USD49,679,000USD43,300,000USD
    Tax Provision—4,149,000USD5,907,000USD3,059,000USD1,583,000USD-3,296,000USD4,830,000USD6,310,000USD
    Net Income From Continuing Ops—15,260,000USD21,948,000USD10,279,000USD5,198,000USD5,198,000USD19,016,000USD11,499,000USD
    Ebit—19,409,000USD27,855,000USD13,338,000USD2,660,000USD5,995,000USD8,046,000USD17,809,000USD
    Ebitda—22,005,000USD30,553,000USD16,082,000USD5,517,000USD8,901,000USD10,860,000USD20,447,000USD
    Depreciation And Amortization—2,596,000USD2,698,000USD2,744,000USD2,857,000USD2,906,000USD2,814,000USD2,638,000USD
    Reconciled Depreciation—2,596,000USD2,698,000USD2,744,000USD2,857,000USD2,906,000USD2,814,000USD2,638,000USD
    Net Income Applicable To Common Shares——21,948,000USD10,279,000USD1,077,000USD5,198,000USD19,016,000USD11,499,000USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Balance sheet Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ2 20262026-06-30 · USDQ3 20262026-03-31 · USDQ1 20262025-09-30 · USDQ4 20252025-06-30 · USDQ3 20252025-03-31 · USDQ2 20252024-12-31 · USDQ1 20252024-09-30 · USDQ4 20242024-06-30 · USD
    Total Assets2,363,635,000USD2,221,002,000USD2,243,310,000USD2,096,425,000USD2,068,985,000USD1,979,730,000USD2,014,602,000USD1,895,404,000USD
    Total Liabilities2,035,297,000USD———————
    Total Stockholder Equity328,338,000USD328,585,000USD314,198,000USD314,249,000USD310,701,000USD304,553,000USD303,801,000USD296,528,000USD
    Total Equity Including Noncontrolling Interest328,338,000USD———————
    Property Plant Equipment Net36,030,000USD36,092,000USD35,320,000USD35,725,000USD35,810,000USD35,480,000USD39,718,000USD40,105,000USD
    Goodwill26,561,000USD———————
    Common Stock248,000USD251,000USD251,000USD255,000USD258,000USD260,000USD261,000USD263,000USD
    Retained Earnings208,196,000USD208,335,000USD199,719,000USD201,381,000USD198,381,000USD194,188,000USD192,826,000USD187,731,000USD
    Accumulated Other Comprehensive Income12,138,000USD12,881,000USD8,221,000USD7,052,000USD7,001,000USD5,543,000USD6,640,000USD4,942,000USD
    Intangible Assets—2,587,000USD2,352,000USD2,464,000USD2,584,000USD2,705,000USD2,828,000USD2,951,000USD
    Total Liab—1,892,417,000USD1,929,112,000USD1,782,176,000USD1,758,284,000USD1,675,177,000USD1,710,801,000USD1,598,876,000USD
    Other Current Liab—1,859,611,000USD1,899,099,000USD1,752,629,000USD1,728,155,000USD1,594,280,000USD1,679,134,000USD1,559,953,000USD
    Capital Stock—251,000USD251,000USD255,000USD258,000USD260,000USD261,000USD263,000USD
    Good Will—9,599,000USD10,879,000USD10,879,000USD10,879,000USD10,879,000USD10,879,000USD10,879,000USD
    Other Assets—234,430,000USD110,998,000USD177,979,000USD183,942,000USD—213,155,000USD1,257,065,000USD
    Cash—144,695,000USD225,099,000USD119,386,000USD137,856,000USD92,877,000USD222,563,000USD151,552,000USD
    Cash And Short Term Investments—198,211,000USD294,390,000USD407,606,000USD270,529,000USD414,414,000USD485,096,000USD408,961,000USD
    Total Current Assets—207,717,000USD303,634,000USD416,310,000USD278,908,000USD422,351,000USD492,763,000USD416,520,000USD
    Total Current Liabilities—1,859,611,000USD1,899,099,000USD1,752,629,000USD1,728,155,000USD1,594,280,000USD1,679,134,000USD1,559,953,000USD
    Net Debt—-144,695,000USD-225,099,000USD-119,386,000USD-137,856,000USD-92,877,000USD-222,563,000USD-151,552,000USD
    Long Term Investments—253,377,000USD298,391,000USD330,626,000USD342,467,000USD346,937,000USD287,122,000USD282,499,000USD
    Short Term Investments—53,516,000USD69,291,000USD288,220,000USD132,673,000USD321,537,000USD262,533,000USD257,409,000USD
    Net Receivables—9,506,000USD9,244,000USD8,704,000USD8,379,000USD7,937,000USD7,667,000USD7,559,000USD
    Common Stock Shares Outstanding—24,342,965shares24,627,387shares24,567,328shares24,937,030shares25,266,075shares25,150,650shares25,209,101shares
    Non Current Assets Total—2,013,285,000USD1,939,676,000USD1,680,115,000USD1,790,077,000USD1,557,379,000USD1,521,839,000USD1,478,884,000USD
    Non Current Liabilities Total—32,806,000USD30,013,000USD29,547,000USD30,129,000USD80,897,000USD31,667,000USD38,923,000USD
    Non Currrent Assets Other—64,188,000USD48,093,000USD45,781,000USD43,834,000USD48,340,000USD44,100,000USD55,790,000USD
    Unclassified Non Current Assets—1,413,012,000USD1,433,643,000USD1,076,661,000USD1,170,561,000USD1,113,038,000USD924,037,000USD-170,405,000USD
    Unclassified Non Current Liabilities—32,806,000USD30,013,000USD29,547,000USD30,129,000USD80,897,000USD31,667,000USD38,923,000USD
    Unclassified Equity—106,867,000USD105,756,000USD105,306,000USD104,803,000USD104,302,000USD103,813,000USD103,329,000USD
    Short Long Term Debt Total———40,000,000USD—40,000,000USD—6,139,000USD
    Property Plant Equipment Gross—————56,496,000USD—61,162,000USD
    Other Current Assets———————172,902,000USD
    Short Term Debt———————756,000USD
    Inventory———————-172,902,000USD
    Unclassified Current Assets———————-172,902,000USD
    SourceDisclosureDeterministicFinalLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Balance sheet Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-06-30 · USDFY 20242024-06-30 · USDFY 20232023-06-30 · USDFY 20222022-06-30 · USDFY 20212021-06-30 · USDFY 20202020-06-30 · USDFY 20192019-06-30 · USDFY 20182018-06-30 · USD
    Total Assets2,096,425,000USD1,895,404,000USD1,856,191,000USD1,964,229,000USD1,796,252,000USD1,526,412,000USD1,468,285,000USD1,284,128,000USD
    Intangible Assets2,464,000USD2,951,000USD2,096,000USD2,494,000USD1,843,000USD2,159,000USD2,523,000USD2,874,000USD
    Total Liab1,782,176,000USD1,598,876,000USD1,589,491,000USD1,721,602,000USD1,558,430,000USD1,302,446,000USD1,345,027,000USD1,166,065,000USD
    Total Stockholder Equity314,249,000USD296,528,000USD266,700,000USD242,627,000USD237,822,000USD223,966,000USD123,258,000USD118,063,000USD
    Other Current Liab1,752,629,000USD1,559,953,000USD1,549,739,000USD1,685,869,000USD1,536,707,000USD1,276,194,000USD1,337,362,000USD1,155,644,000USD
    Common Stock255,000USD263,000USD260,000USD260,000USD260,000USD260,000USD——
    Retained Earnings201,381,000USD187,731,000USD173,038,000USD151,090,000USD140,811,000USD139,734,000USD134,361,000USD116,394,000USD
    Good Will10,879,000USD10,879,000USD8,799,000USD8,799,000USD7,292,000USD7,292,000USD7,292,000USD7,292,000USD
    Other Assets177,979,000USD195,495,000USD187,065,000USD2,520,615,000USD876,409,000USD1,150,219,000USD1,001,488,000USD1,430,556,000USD
    Cash119,386,000USD151,552,000USD148,311,000USD372,594,000USD324,783,000USD155,521,000USD228,026,000USD111,411,000USD
    Cash And Short Term Investments407,606,000USD408,961,000USD579,978,000USD854,384,000USD589,385,000USD231,289,000USD314,721,000USD199,474,000USD
    Total Current Assets416,310,000USD416,520,000USD587,172,000USD859,007,000USD593,431,000USD234,756,000USD319,095,000USD203,328,000USD
    Total Current Liabilities1,752,629,000USD1,559,953,000USD1,549,739,000USD1,685,869,000USD1,536,707,000USD1,283,952,000USD1,337,362,000USD1,155,644,000USD
    Net Debt-119,386,000USD-151,552,000USD-148,311,000USD-372,594,000USD-324,783,000USD-155,521,000USD-228,026,000USD-111,411,000USD
    Short Long Term Debt Total40,000,000USD6,139,000USD5,713,000USD—————
    Short Term Investments288,220,000USD257,409,000USD431,667,000USD481,790,000USD264,602,000USD75,768,000USD86,695,000USD88,063,000USD
    Net Receivables8,704,000USD7,559,000USD7,194,000USD4,623,000USD4,046,000USD3,467,000USD4,374,000USD3,854,000USD
    Property Plant Equipment Net35,725,000USD40,105,000USD41,617,000USD38,018,000USD38,918,000USD40,863,000USD41,710,000USD42,902,000USD
    Accumulated Other Comprehensive Income7,052,000USD4,942,000USD-9,568,000USD-11,180,000USD-5,125,000USD-17,370,000USD-11,103,000USD-8,989,000USD
    Common Stock Shares Outstanding25,098,384shares25,223,000shares25,169,000shares25,131,000shares25,067,550shares25,013,452shares11,170,402shares11,170,000shares
    Non Current Assets Total1,680,115,000USD1,478,884,000USD1,269,019,000USD1,105,222,000USD1,202,821,000USD1,291,656,000USD1,149,190,000USD1,080,800,000USD
    Non Current Liabilities Total29,547,000USD38,923,000USD39,752,000USD35,733,000USD21,723,000USD18,494,000USD7,665,000USD10,421,000USD
    Non Currrent Assets Other45,781,000USD55,790,000USD45,976,000USD47,354,000USD59,212,000USD77,588,000USD46,996,000USD36,533,000USD
    Unclassified Non Current Assets1,407,287,000USD891,165,000USD525,437,000USD-3,000,366,000USD-1,011,842,000USD-1,217,454,000USD-50,045,000USD-532,717,000USD
    Unclassified Non Current Liabilities29,547,000USD38,923,000USD17,364,000USD-34,092,000USD-30,349,000USD-30,582,000USD-5,900,000USD-1,615,000USD
    Unclassified Equity105,561,000USD103,329,000USD102,710,000USD102,197,000USD101,616,000USD101,082,000USD—10,658,000USD
    Other Current Assets—172,902,000USD157,672,000USD548,836,000USD329,374,000USD160,630,000USD234,641,000USD124,206,000USD
    Capital Stock—263,000USD260,000USD260,000USD260,000USD260,000USD——
    Short Term Debt—756,000USD591,000USD—————
    Long Term Investments—282,499,000USD458,029,000USD1,488,308,000USD1,230,989,000USD1,230,989,000USD99,226,000USD93,360,000USD
    Inventory—1,171,167,000USD986,497,000USD—-329,374,000USD-160,630,000USD-234,641,000USD-203,328,000USD
    Property Plant Equipment Gross—61,162,000USD61,549,000USD56,108,000USD38,918,000USD40,863,000USD41,710,000USD42,902,000USD
    Unclassified Current Assets—-1,344,069,000USD-1,144,169,000USD-548,836,000USD-329,374,000USD-160,630,000USD-516,515,000USD-315,542,000USD
    Other Liab——22,388,000USD28,506,000USD27,534,000USD24,538,000USD13,565,000USD12,036,000USD
    Accounts Payable——1,541,851,000USD1,680,283,000USD1,530,896,000USD7,758,000USD1,331,318,000USD1,150,262,000USD
    Net Tangible Assets——255,805,000USD231,334,000USD228,687,000USD214,515,000USD125,150,000USD107,897,000USD
    Unclassified Current Liabilities——-1,542,442,000USD-1,680,283,000USD-1,530,896,000USD—-1,331,318,000USD-1,150,262,000USD
    Non Current Liabilities Other———41,319,000USD24,538,000USD24,538,000USD——
    Earning Assets——————281,874,000USD191,336,000USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Cash flow YTD

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ2 20262026-06-30 · USD
    Depreciation1,683,000USD
    Stock Based Compensation806,000USD
    Deferred Income Tax1,566,000USD
    Change To Liabilities16,177,000USD
    Change In Working Capital19,332,000USD
    Operating Cash Flow14,490,000USD
    Net Investments17,836,000USD
    Other Investing Activities238,000USD
    Unclassified Investing Cash Flow-250,869,000USD
    Investing Cash Flow-232,795,000USD
    Net Debt Issuance-3,000USD
    Net Common Stock Issuance-3,626,000USD
    Unclassified Financing Cash Flow182,825,000USD
    Financing Cash Flow179,196,000USD
    Change In Cash-39,109,000USD
    End Cash Flow94,566,000USD
    SourceDisclosureDeterministicFinal

    Cash flow Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ3 20262026-03-31 · USDQ2 20262025-12-31 · USDQ1 20262025-09-30 · USDQ4 20252025-06-30 · USDQ3 20252025-03-31 · USDQ2 20252024-12-31 · USDQ1 20252024-09-30 · USDQ4 20242024-06-30 · USD
    Net Income5,290,000USD3,745,000USD4,330,000USD6,451,000USD5,763,000USD3,292,000USD6,308,000USD3,930,000USD
    Depreciation608,000USD121,000USD595,000USD600,000USD583,000USD—629,000USD641,000USD
    Stock Based Compensation179,000USD449,000USD446,000USD500,000USD499,000USD—481,000USD275,000USD
    Other Non Cash Items-7,769,000USD4,680,000USD-424,000USD-316,000USD-353,000USD5,180,000USD1,182,000USD599,000USD
    Change To Account Receivables-617,000USD355,000USD-540,000USD-325,000USD-442,000USD—-108,000USD129,000USD
    Change In Working Capital2,986,000USD-2,750,000USD194,000USD-1,519,000USD-9,629,000USD9,293,000USD-7,523,000USD3,219,000USD
    Total Cash From Operating Activities-161,000USD5,675,000USD3,905,000USD5,063,000USD-3,526,000USD17,765,000USD1,911,000USD9,041,000USD
    Capital Expenditures-636,000USD-217,000USD-227,000USD-508,000USD-1,365,000USD-633,000USD-120,000USD-201,000USD
    Free Cash Flow-797,000USD5,458,000USD3,678,000USD4,555,000USD-4,891,000USD17,132,000USD1,791,000USD8,840,000USD
    Investments16,190,000USD38,450,000USD-37,113,000USD-43,609,000USD-45,652,000USD—-59,317,000USD4,749,000USD
    Total Cashflows From Investing Activities-37,927,000USD585,000USD-37,113,000USD-43,609,000USD-45,652,000USD-99,406,000USD-59,317,000USD4,749,000USD
    Net Borrowings-50,001,000USD49,997,000USD-33,000USD-32,000USD-40,020,000USD—-26,000USD-26,000USD
    Total Cash From Financing Activities61,350,000USD-101,136,000USD139,691,000USD20,988,000USD92,283,000USD-46,812,000USD117,190,000USD-95,141,000USD
    Sale Purchase Of Stock0USD-417,000USD-5,996,000USD-3,309,000USD-1,572,000USD-1,931,000USD-1,215,000USD-1,075,000USD
    Change In Cash23,262,000USD-94,876,000USD106,483,000USD-17,558,000USD43,105,000USD—59,784,000USD-81,351,000USD
    Begin Period Cash Flow133,675,000USD228,551,000USD122,068,000USD139,626,000USD96,521,000USD224,974,000USD165,190,000USD246,541,000USD
    End Period Cash Flow156,937,000USD133,675,000USD228,551,000USD122,068,000USD139,626,000USD96,521,000USD224,974,000USD165,190,000USD
    Other Cashflows From Investing Activities-57,026,000USD585,000USD-72,041,000USD-56,357,000USD-51,997,000USD-40,180,000USD-57,665,000USD-34,489,000USD
    Other Cashflows From Financing Activities111,303,000USD-150,795,000USD145,720,000USD24,329,000USD133,875,000USD-84,881,000USD118,431,000USD-94,040,000USD
    Unclassified Operating Cash Flow-1,455,000USD—-1,236,000USD—————
    Unclassified Investing Cash Flow3,545,000USD-38,233,000USD72,268,000USD56,865,000USD53,362,000USD-58,593,000USD57,785,000USD34,690,000USD
    Unclassified Financing Cash Flow—————40,000,000USD——
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Cash flow Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-06-30 · USDFY 20242024-06-30 · USDFY 20232023-06-30 · USDFY 20222022-06-30 · USDFY 20212021-06-30 · USDFY 20202020-06-30 · USDFY 20192019-06-30 · USDFY 20182018-06-30 · USD
    Net Income19,200,000USD15,260,000USD21,948,000USD10,279,000USD1,077,000USD5,198,000USD7,309,000USD11,499,000USD
    Depreciation2,506,000USD2,596,000USD2,698,000USD2,744,000USD2,857,000USD2,906,000USD2,814,000USD2,638,000USD
    Stock Based Compensation1,940,000USD626,000USD513,000USD581,000USD534,000USD995,000USD2,394,000USD3,678,000USD
    Other Non Cash Items6,520,000USD6,394,000USD-523,000USD1,002,000USD3,299,000USD11,124,000USD18,302,000USD3,830,000USD
    Change To Account Receivables-756,000USD-365,000USD-2,571,000USD-577,000USD-579,000USD907,000USD-520,000USD-599,000USD
    Change In Working Capital3,540,000USD-841,000USD778,000USD34,653,000USD26,088,000USD-14,706,000USD-22,233,000USD2,960,000USD
    Total Cash From Operating Activities33,706,000USD23,847,000USD26,269,000USD49,967,000USD32,653,000USD2,025,000USD6,129,000USD23,005,000USD
    Capital Expenditures-1,506,000USD-838,000USD-451,000USD-780,000USD-596,000USD-1,703,000USD-2,284,000USD-8,015,000USD
    Free Cash Flow32,200,000USD23,009,000USD25,818,000USD49,187,000USD32,057,000USD322,000USD3,845,000USD14,990,000USD
    Total Cashflows From Investing Activities-311,800,000USD-18,048,000USD-114,873,000USD-148,032,000USD-125,106,000USD-109,474,000USD-78,018,000USD-78,699,000USD
    Total Cash From Financing Activities140,756,000USD8,913,000USD-136,978,000USD149,162,000USD260,513,000USD34,243,000USD181,718,000USD135,713,000USD
    Sale Purchase Of Stock-6,292,000USD-1,075,000USD0USD—109,055,000USD-13,644,000USD——
    Change In Cash14,712,000USD14,712,000USD-225,582,000USD51,097,000USD168,060,000USD-73,206,000USD109,829,000USD80,019,000USD
    Begin Period Cash Flow150,478,000USD150,478,000USD376,060,000USD324,963,000USD156,903,000USD230,109,000USD120,280,000USD40,261,000USD
    End Period Cash Flow165,190,000USD165,190,000USD150,478,000USD376,060,000USD324,963,000USD156,903,000USD230,109,000USD120,280,000USD
    Other Cashflows From Investing Activities-308,314,000USD-202,301,000USD-160,663,000USD100,443,000USD61,961,000USD-116,117,000USD-70,311,000USD-57,699,000USD
    Other Cashflows From Financing Activities147,150,000USD10,090,000USD-136,864,000USD149,162,000USD260,513,000USD-74,812,000USD181,718,000USD140,713,000USD
    Investments—-18,048,000USD-114,873,000USD-147,588,000USD-186,471,000USD-108,965,000USD-78,018,000USD-78,699,000USD
    Net Borrowings—-102,000USD-114,000USD-114,000USD-114,000USD-114,000USD—-5,000,000USD
    Unclassified Investing Cash Flow—203,139,000USD161,114,000USD-100,107,000USD—117,311,000USD72,595,000USD65,714,000USD
    Change To Liabilities——0USD13,583,000USD8,446,000USD8,446,000USD0USD0USD
    Cash And Cash Equivalents Changes———51,097,000USD-73,206,000USD-73,206,000USD——
    Issuance Of Capital Stock————0USD109,055,000USD——
    Unclassified Operating Cash Flow————-1,202,000USD-3,492,000USD-2,457,000USD-1,600,000USD
    Unclassified Financing Cash Flow————-108,941,000USD122,813,000USD——
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Operating metrics

    No operating metrics are currently published for this company.

    Revenue breakdown

    PeriodDimensionBusiness / regionRevenueCurrencySource
    Q3 2026Quarterly · 2026-03-31ProductCredit And Debit Card663,000USD0001104659-26-058663
    Q3 2026Quarterly · 2026-03-31ProductDeposit Account622,000USD0001104659-26-058663
    Q3 2026Quarterly · 2026-03-31ProductInsurance Revenues Fee403,000USD0001104659-26-058663
    Q3 2026Quarterly · 2026-03-31ProductService Other86,000USD0001104659-26-058663
    Q3 2026Quarterly · 2026-03-31ProductWealth Management Services2,068,000USD0001104659-26-058663
    FY 2025Yearly · 2025-12-31ProductCredit And Debit Card2,796,000USD0001104659-26-027092
    FY 2025Yearly · 2025-12-31ProductDeposit Account2,456,000USD0001104659-26-027092
    FY 2025Yearly · 2025-12-31ProductInsurance Revenues Fee2,561,000USD0001104659-26-027092
    FY 2025Yearly · 2025-12-31ProductService Other459,000USD0001104659-26-027092
    FY 2025Yearly · 2025-12-31ProductWealth Management Services7,542,000USD0001104659-26-027092
    Q1 2026Quarterly · 2025-09-30ProductCredit And Debit Card709,000USD0001104659-25-108497
    Q1 2026Quarterly · 2025-09-30ProductDeposit Account633,000USD0001104659-25-108497
    Q1 2026Quarterly · 2025-09-30ProductInsurance Revenues Fee403,000USD0001104659-25-108497
    Q1 2026Quarterly · 2025-09-30ProductService Other63,000USD0001104659-25-108497
    Q1 2026Quarterly · 2025-09-30ProductWealth Management Services1,822,000USD0001104659-25-108497
    Q4 2025Quarterly · 2025-06-30ProductCredit And Debit Card718,000USD0001558370-25-010922
    Q4 2025Quarterly · 2025-06-30ProductDeposit Account611,000USD0001558370-25-010922
    Q4 2025Quarterly · 2025-06-30ProductInsurance Revenues Fee569,000USD0001558370-25-010922
    Q4 2025Quarterly · 2025-06-30ProductService Other132,000USD0001558370-25-010922
    Q4 2025Quarterly · 2025-06-30ProductWealth Management Services1,944,000USD0001558370-25-010922
    Q3 2025Quarterly · 2025-03-31ProductCredit And Debit Card661,000USD0001104659-26-058663
    Q3 2025Quarterly · 2025-03-31ProductDeposit Account594,000USD0001104659-26-058663
    Q3 2025Quarterly · 2025-03-31ProductInsurance Revenues Fee499,000USD0001104659-26-058663
    Q3 2025Quarterly · 2025-03-31ProductService Other70,000USD0001104659-26-058663
    Q3 2025Quarterly · 2025-03-31ProductWealth Management Services1,827,000USD0001104659-26-058663
    Q1 2025Quarterly · 2024-09-30ProductCredit And Debit Card716,000USD0001104659-25-108497
    Q1 2025Quarterly · 2024-09-30ProductDeposit Account646,000USD0001104659-25-108497
    Q1 2025Quarterly · 2024-09-30ProductInsurance Revenues Fee472,000USD0001104659-25-108497
    Q1 2025Quarterly · 2024-09-30ProductService Other287,000USD0001104659-25-108497
    Q1 2025Quarterly · 2024-09-30ProductWealth Management Services1,699,000USD0001104659-25-108497
    Q4 2024Quarterly · 2024-06-30ProductCredit And Debit Card713,000USD0001558370-25-010922
    Q4 2024Quarterly · 2024-06-30ProductDeposit Account590,000USD0001558370-25-010922
    Q4 2024Quarterly · 2024-06-30ProductInsurance Revenues Fee627,000USD0001558370-25-010922
    Q4 2024Quarterly · 2024-06-30ProductService Other78,000USD0001558370-25-010922
    Q4 2024Quarterly · 2024-06-30ProductWealth Management Services1,651,000USD0001558370-25-010922
    FY 2024Yearly · 2024-06-30ProductCredit And Debit Card2,843,000USD0001104659-26-027092
    FY 2024Yearly · 2024-06-30ProductDeposit Account2,427,000USD0001104659-26-027092
    FY 2024Yearly · 2024-06-30ProductInsurance Revenues Fee3,031,000USD0001104659-26-027092
    FY 2024Yearly · 2024-06-30ProductService Other370,000USD0001104659-26-027092
    FY 2024Yearly · 2024-06-30ProductWealth Management Services6,282,000USD0001104659-26-027092
    Q3 2024Quarterly · 2024-03-31ProductCredit And Debit Card666,000USD0001558370-25-007177
    Q3 2024Quarterly · 2024-03-31ProductDeposit Account588,000USD0001558370-25-007177
    Q3 2024Quarterly · 2024-03-31ProductInsurance Revenues Fee671,000USD0001558370-25-007177
    Q3 2024Quarterly · 2024-03-31ProductService Other86,000USD0001558370-25-007177
    Q3 2024Quarterly · 2024-03-31ProductWealth Management Services1,627,000USD0001558370-25-007177
    Q2 2024Quarterly · 2023-12-31ProductCredit And Debit Card716,000USD0001558370-24-001058
    Q2 2024Quarterly · 2023-12-31ProductDeposit Account623,000USD0001558370-24-001058
    Q2 2024Quarterly · 2023-12-31ProductInsurance Revenues Fee1,137,000USD0001558370-24-001058
    Q2 2024Quarterly · 2023-12-31ProductService Other83,000USD0001558370-24-001058
    Q2 2024Quarterly · 2023-12-31ProductWealth Management Services1,619,000USD0001558370-24-001058
    FY 2023Yearly · 2023-06-30ProductCredit And Debit Card2,963,000USD0001558370-24-013020
    FY 2023Yearly · 2023-06-30ProductDeposit Account2,475,000USD0001558370-24-013020
    FY 2023Yearly · 2023-06-30ProductInsurance Revenues Fee2,760,000USD0001558370-24-013020
    FY 2023Yearly · 2023-06-30ProductService Other486,000USD0001558370-24-013020
    FY 2023Yearly · 2023-06-30ProductWealth Management Services4,293,000USD0001558370-24-013020
    FY 2022Yearly · 2022-06-30ProductCredit And Debit Card3,117,000USD0001558370-23-016048
    FY 2022Yearly · 2022-06-30ProductDeposit Account2,733,000USD0001558370-23-016048
    FY 2022Yearly · 2022-06-30ProductInsurance Revenues Fee3,184,000USD0001558370-23-016048
    FY 2022Yearly · 2022-06-30ProductService Other302,000USD0001558370-23-016048
    FY 2022Yearly · 2022-06-30ProductWealth Management Services3,894,000USD0001558370-23-016048
    FY 2021Yearly · 2021-06-30ProductCredit And Debit Card3,092,000USD0001558370-22-014598
    FY 2021Yearly · 2021-06-30ProductDeposit Account2,517,000USD0001558370-22-014598
    FY 2021Yearly · 2021-06-30ProductInsurance Revenues Fee3,629,000USD0001558370-22-014598
    FY 2021Yearly · 2021-06-30ProductService Other346,000USD0001558370-22-014598
    FY 2021Yearly · 2021-06-30ProductWealth Management Services3,184,000USD0001558370-22-014598
    FY 2020Yearly · 2020-06-30ProductCredit And Debit Card2,779,000USD0001558370-21-012827
    FY 2020Yearly · 2020-06-30ProductDeposit Account3,095,000USD0001558370-21-012827
    FY 2020Yearly · 2020-06-30ProductInsurance Revenues Fee3,727,000USD0001558370-21-012827
    FY 2020Yearly · 2020-06-30ProductService Other199,000USD0001558370-21-012827
    FY 2020Yearly · 2020-06-30ProductWealth Management Services2,750,000USD0001558370-21-012827
    FY 2019Yearly · 2019-06-30ProductCredit And Debit Card2,739,000USD0001558370-20-011288
    FY 2019Yearly · 2019-06-30ProductDeposit Account3,351,000USD0001558370-20-011288
    FY 2019Yearly · 2019-06-30ProductInsurance Revenues Fee3,545,000USD0001558370-20-011288
    FY 2019Yearly · 2019-06-30ProductService Other343,000USD0001558370-20-011288
    FY 2019Yearly · 2019-06-30ProductWealth Management Services2,912,000USD0001558370-20-011288

    Periods follow company fiscal calendars. Quarterly, annual and year-to-date amounts are shown separately. Missing values are not zero. Data may be delayed, incomplete or corrected; follow the disclosure links to verify figures.