# Pioneer Bancorp, Inc./MD (PBFS) MD&A by fiscal year

Verbatim Item 7 Management's Discussion and Analysis sections from Pioneer Bancorp, Inc./MD's 10-K filings, one page per fiscal year. Extracted from SEC filings with the same bounded parser for every year. Filer text, not grepcent analysis or investment advice.

- [FY 2025 MD&A](/company/PBFS/mda/fy2025/): filed 2026-03-12; accession 0001104659-26-027092 (https://www.sec.gov/Archives/edgar/data/1769663/000110465926027092/pbfs-20251231x10k.htm); latest 10-K
- [FY 2024 MD&A](/company/PBFS/mda/fy2024/): filed 2024-09-25; accession 0001558370-24-013020 (https://www.sec.gov/Archives/edgar/data/1769663/000155837024013020/pbfs-20240630x10k.htm)
- [FY 2023 MD&A](/company/PBFS/mda/fy2023/): filed 2023-09-26; accession 0001558370-23-016048 (https://www.sec.gov/Archives/edgar/data/1769663/000155837023016048/pbfs-20230630x10k.htm)
- [FY 2022 MD&A](/company/PBFS/mda/fy2022/): filed 2022-09-23; accession 0001558370-22-014598 (https://www.sec.gov/Archives/edgar/data/1769663/000155837022014598/pbfs-20220630x10k.htm)
- [FY 2021 MD&A](/company/PBFS/mda/fy2021/): filed 2021-09-28; accession 0001558370-21-012827 (https://www.sec.gov/Archives/edgar/data/1769663/000155837021012827/pbfs-20210630x10k.htm)

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