Want to see PBFS full AI Analyst Report?
Top Page
Pioneer Bancorp
(NASDAQ:PBFS)
Select Model
Select Model
Rating:70Outperform
Price Target:
$20.00
▲(12.74% Upside)
Action:Reiterated
Date:07/30/26
PBFS scores 70 driven primarily by solid financial performance (healthy profitability, rising equity, and strong cash-flow conversion) and a favorable technical backdrop (price above key moving averages). The score is held back by a less attractive valuation signal (P/E 21.71 with no dividend yield provided) and the largely incremental nature of recent corporate events.
Positive Factors
Profitability
Sustained TTM profitability with mid-teens net margin and high-teens operating margin indicates the core banking franchise earns healthy spreads and controls expenses. Durable margins support internal capital generation, buffer credit losses, and enable reinvestment in branches and digital over the next several quarters.
Negative Factors
Inconsistent Revenue and Margins
Volatile top-line and margin patterns reduce predictability of earnings and complicate capital planning. For a bank, swings may reflect loan mix shifts, provision variability, or one-time items; persistent inconsistency can impair forecasting, risk management, and investor confidence over coming quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability
Sustained TTM profitability with mid-teens net margin and high-teens operating margin indicates the core banking franchise earns healthy spreads and controls expenses. Durable margins support internal capital generation, buffer credit losses, and enable reinvestment in branches and digital over the next several quarters.
Read all positive factors
Pioneer Bancorp (PBFS) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$431.82M
Dividend YieldN/A
Average Volume (3M)33.13K
Price to Earnings (P/E)20.7
Beta (1Y)0.32
Revenue Growth16.32%
EPS Growth-16.91%
CountryUS
Employees269
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.82
Shares Outstanding25,076,801
10 Day Avg. Volume21,620
30 Day Avg. Volume33,132
Financial Highlights & Ratios
PEG Ratio2.08
Price to Book (P/B)1.02
Price to Sales (P/S)2.60
P/FCF Ratio37.49
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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
Pioneer Bancorp Business Overview & Revenue Model
Company Description
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 ...
How the Company Makes Money
Pioneer Bancorp primarily makes money through traditional banking spread and fee-based activities. The largest driver is typically net interest income: it collects interest on loans (such as commercial real estate, commercial and industrial, resid...
Pioneer Bancorp Financial Statement Overview
Summary
Income Statement
70
Positive
Balance Sheet
78
Positive
Cash Flow
74
Positive
| Breakdown | TTM | Dec 2025 | Dec 2025 | Jun 2024 | Jun 2023 | Jun 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 129.33M | 126.67M | 88.12M | 98.70M | 85.18M | 57.92M |
| Gross Profit | 94.41M | 92.59M | 88.12M | 74.19M | 79.69M | 57.00M |
| EBITDA | 26.70M | 28.39M | 2.51M | 22.00M | 30.55M | 16.08M |
| Net Income | 19.81M | 20.29M | 19.20M | 15.26M | 21.95M | 10.28M |
Balance Sheet | ||||||
| Total Assets | 2.22B | 2.15B | 2.10B | 1.90B | 1.86B | 1.96B |
| Cash, Cash Equivalents and Short-Term Investments | 198.21M | 185.24M | 407.61M | 408.96M | 579.98M | 854.38M |
| Total Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Liabilities | 1.89B | 1.83B | 1.78B | 1.60B | 1.59B | 1.72B |
| Stockholders Equity | 328.58M | 323.86M | 314.25M | 296.53M | 266.70M | 242.63M |
Cash Flow | ||||||
| Free Cash Flow | 12.89M | 8.80M | 32.20M | 23.01M | 25.82M | 49.19M |
| Operating Cash Flow | 14.48M | 11.12M | 33.71M | 23.85M | 26.27M | 49.97M |
| Investing Cash Flow | -118.06M | -125.79M | -311.80M | -18.05M | -114.87M | -148.03M |
| Financing Cash Flow | 120.89M | 151.83M | 140.76M | 8.91M | -136.98M | 149.16M |
Pioneer Bancorp Technical Analysis
Positive
17.74
Price Trends
16.75
Positive
15.46
Positive
14.61
Positive
Market Momentum
0.25
Positive
54.73
Neutral
30.24
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PBFS, the sentiment is Positive. The current price of 17.74 is above the 20-day moving average (MA) of 17.28, above the 50-day MA of 16.75, and above the 200-day MA of 14.61, indicating a bullish trend. The MACD of 0.25 indicates Positive momentum. The RSI at 54.73 is Neutral, neither overbought nor oversold. The STOCH value of 30.24 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PBFS.
Pioneer Bancorp Risk Analysis
Pioneer Bancorp disclosed 48 risk factors in its most recent earnings report. Pioneer Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Pioneer Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | $446.60M | 10.81 | 7.94% | 2.44% | 3.04% | 88.65% | |
72 Outperform | $463.79M | 13.28 | 9.04% | 2.15% | 16.31% | 4.61% | |
70 Outperform | $431.82M | 20.75 | 6.29% | ― | 16.32% | -16.91% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $301.27M | 16.12 | 11.05% | ― | 20.00% | -8.28% | |
67 Neutral | $447.70M | 23.45 | 4.62% | 0.45% | ― | ― | |
53 Neutral | $454.90M | 37.90 | 7.70% | 4.60% | 18.97% | -14.99% |
* Financial Sector Average
PBFS
Pioneer Bancorp
17.45
5.10
41.30%
CZNC
Citizens & Northern
25.30
7.75
44.17%
CBAN
Colony Bankcorp
21.92
6.17
39.17%
RBB
Rbb Bancorp
26.53
8.13
44.22%
GBFH
GBank Financial Holdings
21.90
-15.88
-42.03%
AVBC
Avidia Bancorp, Inc.
21.31
6.89
47.76%
Pioneer Bancorp Corporate Events
Business Operations and StrategyExecutive/Board ChangesM&A Transactions
Pioneer Bancorp Launches Dedicated College Advising Division
Positive
Jul 29, 2026
On July 29, 2026, Pioneer announced it had acquired The College Advisor of New York and simultaneously launched a dedicated College Advising Division led by founder Dr. Dean Skarlis as Vice President of College Advising. His existing team will con...
Business Operations and StrategyExecutive/Board Changes
Pioneer Bancorp appoints veteran banker to board
Positive
Jul 23, 2026
On July 21, 2026, Pioneer Bancorp, Inc. appointed veteran banking executive Michael T. Keegan to its Board of Directors, a move announced publicly on July 23, 2026. Keegan brings more than 40 years of leadership experience in commercial and commun...
Executive/Board ChangesShareholder Meetings
Pioneer Bancorp shareholders back directors, auditor and pay
Positive
May 20, 2026
At its Annual Meeting of Stockholders held on May 19, 2026, Pioneer Bancorp, Inc. shareholders elected directors Stacy Hengsterman, Dr. James K. Reed and Edward Reinfurt to three-year terms, affirming the existing board slate and signaling continu...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.