Pioneer Bancorp Inc (PBFS)
NASDAQ:PBFS
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$10.60 - $15.18
Previous CloseN/A
Volume3.41K
Average Volume (3M)33.13K
Market Cap
$352.08M
Enterprise Value$266.11M
Total Cash (Recent Filing)$354.11M
Total Debt (Recent Filing)$54.42M
Price to Earnings (P/E)21.7
Beta0.37
Next Earnings
Apr 30, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.15
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 Cap0.76
Enterprise Value/Revenue2.10
Enterprise Value/Gross Profit2.87
Enterprise Value/Ebitda9.62
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 Sheet / Low LeverageVery low debt-to-equity (~0.17) and rising equity provide a durable capital cushion for a regional bank. This structural strength supports lending capacity, regulatory resilience and flexibility in capital allocation over the medium term, reducing insolvency and funding risks.
Share Repurchase Program (up To 5%)A committed buyback program (up to 5% of shares) signals disciplined capital allocation and provides a durable lever to return excess capital to shareholders. It gives management flexibility to optimize capital structure and can sustainably improve per-share metrics when excess capital is available.
Targeted Executive Incentive PlanA formal, performance-based incentive plan aligns executive pay with multi-dimensional performance metrics and retention needs. Structurally this improves governance and long-term strategy execution, making management outcomes more predictable and reinforcing accountability.
Bears Say
Sharp Free Cash Flow DeclineA ~57% drop in free cash flow is a persistent concern: lower cash generation limits the bank's ability to fund loan growth, absorb credit losses, sustain buybacks or raise dividends without tapping capital markets. Reduced cash buffers increase medium-term funding and strategic risk.
Softening Returns / Lower ROEDeclining ROE signals reduced capital efficiency and weaker profitability versus the prior year. Persistently lower returns limit internal capital generation for growth and may pressure strategic options, making shareholder returns and reinvestment harder to sustain over months.
Top-line Volatility And Weak Recent Revenue GrowthInconsistent revenue performance—modest TTM growth but negative annual growth in 2024—implies fragile franchise momentum. Durable revenue volatility constrains operating leverage, makes margin recovery harder, and raises execution risk for medium-term earnings stability.
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 $10.60 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 $352.08M.
When is Pioneer Bancorp Inc’s upcoming earnings report date?
Pioneer Bancorp Inc’s upcoming earnings report date is Apr 30, 2026 which is in 35 days.
How were Pioneer Bancorp Inc’s earnings last quarter?
Pioneer Bancorp Inc released its earnings results on Jan 30, 2026. The company reported $0.154 earnings per share for the quarter, beating the consensus estimate of N/A by $0.154.
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 $0.154 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 1.144%.
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. 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
0.57% Insiders
4.44% Mutual Funds
10.98% Other Institutional Investors
79.46% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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