Pioneer Bancorp Inc (PBFS)
NASDAQ:PBFS
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PBFS Stock Chart & Stats
$13.31
<$0.01(0.09%)
At close: 4:00 PM EST
$13.31
<$0.01(0.09%)
Day’s Range― - ―
52-Week Range$11.24 - $15.18
Previous CloseN/A
Volume3.41K
Average Volume (3M)33.13K
Market Cap
$372.14M
Enterprise Value$227.44M
Total Cash (Recent Filing)$198.21M
Total Debt (Recent Filing)$0.00
Price to Earnings (P/E)15.9
Beta0.37
Next Earnings
Nov 10, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.82
Shares Outstanding25,076,801
10 Day Avg. Volume21,620
30 Day Avg. Volume33,132
Financial Highlights & Ratios
PEG Ratio0.60
Price to Book (P/B)0.97
Price to Sales (P/S)3.45
P/FCF Ratio9.44
Enterprise Value/Market Cap0.61
Enterprise Value/Revenue1.76
Enterprise Value/Gross Profit2.41
Enterprise Value/Ebitda8.96
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Conservative Balance SheetZero reported debt and a steadily rising equity base create durable financial flexibility. Low leverage reduces solvency and interest‑rate stress, supports lending capacity and M&A funding, and provides capital buffers through economic cycles—helpful for sustained, conservative growth.
Strong Free Cash GenerationFree cash flow materially above net income and rapid FCF growth strengthen the firm's ability to self‑fund operations, invest in growth, and support strategic acquisitions. Persistent positive cash conversion enhances long‑term liquidity and reduces reliance on external financing.
Strategic Diversification Via AcquisitionsAcquiring Targeted Lending and building a specialty financing division broadens revenue mix beyond traditional community banking. A nationwide equipment finance platform and retained management increase scale, diversify asset risk, and add fee and interest income streams that strengthen structural growth.
Bears Say
Uneven Revenue And MarginsChoppy top‑line and margin history reduce visibility into sustainable earnings power. Irregular revenue and shifting margins complicate forecasting, capital allocation, and stress testing, making it harder to predict durable profitability even if recent TTM results look strong.
Operating Cash Flow VolatilityVolatile operating cash flow suggests cash conversion can swing materially between periods. That inconsistency can constrain funding for loan growth, require more conservative capital buffers, and increase sensitivity to cyclical credit events or temporary funding strains during downturns.
Limited Funding/liquidity DisclosureAbsent granular deposit and funding metrics, assessing deposit stability, funding mix, and interest‑rate repricing risk is difficult. This opacity is more consequential after acquisitions that expand asset scope, making assessment of liquidity cushions and contingent funding needs uncertain.
Pioneer Bancorp News
PBFS FAQ
What was Pioneer Bancorp Inc’s price range in the past 12 months?
Pioneer Bancorp Inc lowest stock price was $11.24 and its highest was $15.18 in the past 12 months.
What is Pioneer Bancorp Inc’s market cap?
Pioneer Bancorp Inc’s market cap is $372.14M.
When is Pioneer Bancorp Inc’s upcoming earnings report date?
Pioneer Bancorp Inc’s upcoming earnings report date is Nov 10, 2026 which is in 167 days.
How were Pioneer Bancorp Inc’s earnings last quarter?
Pioneer Bancorp Inc released its earnings results on Apr 30, 2026. The company reported $0.217 earnings per share for the quarter, beating the consensus estimate of N/A by $0.217.
Is Pioneer Bancorp Inc overvalued?
According to Wall Street analysts Pioneer Bancorp Inc’s price is currently Overvalued.
Does Pioneer Bancorp Inc pay dividends?
Pioneer Bancorp Inc does not currently pay dividends.
What is Pioneer Bancorp Inc’s EPS estimate?
Pioneer Bancorp Inc’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Pioneer Bancorp Inc have?
Pioneer Bancorp Inc has 25,076,801 shares outstanding.
What happened to Pioneer Bancorp Inc’s price movement after its last earnings report?
Pioneer Bancorp Inc reported an EPS of $0.217 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 1.281%.
Which hedge fund is a major shareholder of Pioneer Bancorp Inc?
Currently, no hedge funds are holding shares in PBFS
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Pioneer Bancorp Stock Smart Score
Neutral
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10
Technicals
SMA
Positive
20 days / 200 days
Momentum
16.99%
12-Months-Change
Fundamentals
Return on Equity
6.48%
Trailing 12-Months
Asset Growth
13.44%
Trailing 12-Months
Company Description
Pioneer Bancorp Inc
Pioneer Bancorp, Inc. operates as a holding company for Pioneer Savings Bank that provides various banking products and services in New York. The company accepts various deposit products, such as demand, savings, and money market accounts, as well as certificates of deposit accounts. Its loan products include commercial real estate, commercial and industrial, commercial construction, one- to four-family residential real estate, home equity, and consumer loans; and home equity lines of credit. The company also invests in the U.S. governmental securities, fixed rate collateralized mortgage obligations, mortgage-backed securities, fixed-rate investment grade bonds, and equity securities. In addition, the company offers personal and commercial insurance products, including homeowners, automobile, and comprehensive business insurance; employee benefit products and services, such as group health, dental, disability, and life insurance products, as well as defined contribution, defined 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. It operates through a network of 22 retail banking offices in Albany, Greene, Rensselaer, Saratoga, Schenectady, and Warren Counties in New York. The company was founded in 1889 and is based in Albany, New York. Pioneer Bancorp, Inc. operates as a subsidiary of Pioneer Bancorp, MHC.
Technical Analysis
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Ownership Overview
0.26% Insiders
4.48% Mutual Funds
11.15% Other Institutional Investors
79.56% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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