Pioneer Bancorp Inc (PBFS)
NASDAQ:PBFS
Want to see PBFS full AI Analyst Report?
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$11.40 - $17.04
Previous CloseN/A
Volume3.41K
Average Volume (3M)33.13K
Market Cap
$423.05M
Enterprise Value$229.70M
Total Cash (Recent Filing)$198.21M
Total Debt (Recent Filing)$0.00
Price to Earnings (P/E)20.5
Beta0.32
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 Cap0.54
Enterprise Value/Revenue1.78
Enterprise Value/Gross Profit2.43
Enterprise Value/Ebitda8.84
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 steadily rising equity materially reduce solvency and refinancing risk for a regional bank. This capital conservatism supports lending capacity, cushions credit cycles, and provides flexibility to fund organic growth or opportunistic M&A without immediate reliance on volatile wholesale funding.
Diversification Via AcquisitionsAcquiring a nationwide equipment finance platform diversifies interest income away from traditional local CRE and commercial loans, expands customer reach, and adds a specialized origination channel. Retaining Targeted Lending's management helps continuity, accelerating scale in a structurally growing niche lending market.
Strong Cash GenerationFCF materially above net income and strong FCF growth underpin durable internal funding for investment, dividends, and acquisitions. Reliable cash conversion reduces external financing needs and supports capital deployment even if operating cash flow shows periodic volatility across reporting periods.
Bears Say
Inconsistent Revenue And MarginsUneven revenue and margin trends reduce predictability of future earnings and complicate capital planning. For a bank, this may signal volatility in loan growth, fee income, or credit provisioning which can pressure return stability and limit confidence in sustaining multi-year ROE improvements.
Moderate Returns On EquityA mid-single-digit ROE implies limited profitability relative to capital and peers, constraining internal capital accumulation and shareholder returns. Persistently moderate ROE may force the bank to pursue growth via acquisitions or riskier assets to meet investor expectations, raising execution risk.
Integration And Execution Risk From AcquisitionsRapid expansion into employee benefits and specialty finance increases organizational complexity and execution burden. Integrating systems, cultures, and contingent earn-outs while absorbing acquired debt repayment obligations can strain management bandwidth and temporarily depress margins and operating cash conversion.
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 $11.40 and its highest was $17.04 in the past 12 months.
What is Pioneer Bancorp Inc’s market cap?
Pioneer Bancorp Inc’s market cap is $423.05M.
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 147 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
1
2
3
4
5
6
7
8
9
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., founded in 1889 and based in Albany, New York, serves as the holding company for Pioneer Savings Bank. It offers a wide spectrum of financial products and services throughout New York. The company's banking services include various deposit options such as checking, savings, and money market accounts, as well as certificates of deposit. Its lending portfolio spans commercial real estate, commercial and industrial financing, commercial construction, residential mortgages for one-to-four family homes, home equity loans, home equity lines of credit, and consumer loans. Beyond traditional banking, Pioneer Bancorp allocates capital to U.S. governmental securities, fixed-rate collateralized mortgage obligations, mortgage-backed securities, investment-grade bonds with fixed rates, and equity securities. The organization also extends its offerings to include insurance products, providing coverage for homeowners, automobiles, and comprehensive business needs. Additionally, it delivers employee benefit solutions, encompassing group health, dental, disability, and life insurance, alongside administrative services for defined contribution and benefit plans, and human resource management. Wealth management services are also available, comprising investment guidance, retirement income and estate planning, business succession strategies, and employer retirement program development. With a network of 22 retail banking branches, the company serves clients across Albany, Greene, Rensselaer, Saratoga, Schenectady, and Warren Counties in New York. Pioneer Bancorp, Inc. operates as a subsidiary of Pioneer Bancorp, MHC.
Technical Analysis
Colony Bankcorp
―
Southern First Bancshares
―
FS Bancorp
―
MVB Financial
―
PCB Bancorp
―
Ownership Overview
0.51% Insiders
4.49% Mutual Funds
11.15% Other Institutional Investors
79.29% Public Companies and
Individual Investors
Options Prices
Currently, No data available
---