Pioneer Bancorp (PBFS) AI Stock Analysis

• Market Cap: $319.22M
• Dividend Yield: N/A
• Average Volume (3M): 21.48K
• Price to Earnings (P/E): 15.3
• Beta (1Y): 0.49
• Revenue Growth: 31.28%
• EPS Growth: 23.21%
• Country: US
• Employees: 268
• Sector: Financial
• Sector Strength: 72
• Industry: Banks - Regional
• EPS (TTM): 0.23
• Shares Outstanding: 25,294,828
• 10 Day Avg. Volume: 14,205
• 30 Day Avg. Volume: 21,477
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 0.82
• Enterprise Value/Revenue: 3.09
• Enterprise Value/Gross Profit: 5.85
• Enterprise Value/Ebitda: 10.53
• 1Y Price Target: $13.00
• Price Target Upside: 1.48% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 73 Outperform
• Price Target: $13.00 ▲(1.48% Upside)

Pioneer Bancorp's overall stock score is driven primarily by its strong financial performance, characterized by robust revenue growth and a debt-free balance sheet. Technical analysis indicates a neutral market momentum, with the stock trading close to key moving averages. Valuation metrics suggest a fair value, though the absence of dividends might be a limitation for some investors.

Pioneer Bancorp Business Overview & Revenue Model

Company Description

Pioneer Bancorp (PBFS) is a financial services company primarily engaged in providing a range of banking products and services to individuals and businesses. The company operates through its subsidiary, Pioneer Bank, which offers traditional banking services including savings accounts, checking accounts, loans, and mortgages. Pioneer Bancorp is committed to delivering personalized banking solutions and fostering long-term relationships with its clients in the communities it serves.

How the Company Makes Money

Pioneer Bancorp generates revenue through various banking activities and financial services. The company's primary revenue streams include interest income from loans and mortgages, as well as income from service charges and fees associated with deposit accounts. Additionally, Pioneer Bancorp earns money through investment securities and other financial instruments. A significant portion of their earnings comes from the interest rate spread, which is the difference between the interest earned on loans and the interest paid on deposits. The company may also benefit from strategic partnerships or alliances with other financial institutions, though specific partnerships contributing to its earnings are not detailed.

Pioneer Bancorp Financial Statement Overview

Summary

Pioneer Bancorp demonstrates strong financial health with excellent profitability and a robust balance sheet free of debt. Revenue growth is impressive at 30.6%, although some caution is warranted with the declining EBIT margin and operating cash flow ratios. The financial outlook remains positive given the bank's growth trajectory and prudent financial management.

Income Statement

Pioneer Bancorp shows a healthy financial performance with a strong net profit margin of 18.7% TTM, indicating good profitability. The revenue growth rate from the previous annual period to TTM is impressive at 30.6%, suggesting robust growth. However, there is a notable decline in EBIT margin from the previous year to TTM (from 18.1% to 24.0%), which needs careful monitoring despite the overall profitability.

Balance Sheet

The balance sheet is strong with no debt, reflected in a debt-to-equity ratio of 0. The equity ratio stands at 15.1%, indicating a solid equity position. Return on equity is quite healthy at 6.0% TTM, which points to efficient use of equity capital. The absence of leverage is a significant strength, suggesting financial stability and low risk.

Cash Flow

Cash flow analysis indicates a cautious view with a decline in operating cash flow to net income ratio from 1.1 in the previous annual period to 0.7 TTM. Free cash flow growth rate is positive, indicating steady cash generation capacity. The free cash flow to net income ratio of 0.7 TTM suggests a moderate conversion of income into free cash.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	85.08M	98.70M	85.18M	57.92M	59.68M	69.20M
Gross Profit	44.89M	74.19M	79.69M	57.00M	53.52M	57.68M
EBITDA	24.96M	22.00M	30.55M	16.08M	5.52M	8.90M
Net Income	18.52M	15.26M	21.95M	10.28M	1.08M	5.20M
Balance Sheet
Total Assets	2.10B	1.90B	1.86B	1.96B	1.80B	1.53B
Cash, Cash Equivalents and Short-Term Investments	317.81M	408.96M	579.98M	854.38M	589.38M	231.29M
Total Debt	0.00	6.14M	5.71M	0.00	0.00	0.00
Total Liabilities	1.78B	1.60B	1.59B	1.72B	1.57B	1.30B
Stockholders Equity	314.25M	296.53M	266.70M	242.63M	237.82M	223.97M
Cash Flow
Free Cash Flow	1.46M	23.01M	25.82M	49.19M	32.06M	322.00K
Operating Cash Flow	3.45M	23.85M	26.27M	49.97M	32.65M	2.02M
Investing Cash Flow	-148.58M	-18.05M	-114.87M	-148.03M	-125.11M	-109.47M
Financing Cash Flow	230.46M	8.91M	-136.98M	149.16M	260.51M	34.24M

Pioneer Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 12.81
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 12.81 is above the 20-day moving average (MA) of 12.46, above the 50-day MA of 12.20, and above the 200-day MA of 11.71, indicating a bullish trend. The MACD of 0.13 indicates Negative momentum. The RSI at 55.83 is Neutral, neither overbought nor oversold. The STOCH value of 39.97 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PBFS.

Pioneer Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CIVB	78 Outperform	$384.52M	7.88	10.02%	3.34%	6.20%	18.80%
PCB	78 Outperform	$309.66M	10.11	8.63%	3.60%	11.93%	29.49%
RBB	76 Outperform	$337.43M	15.15	4.47%	3.28%	-0.13%	-32.16%
PBFS	73 Outperform	$319.22M	15.31	6.98%	―	31.28%	23.21%
FSBW	72 Outperform	$302.26M	9.46	11.31%	3.33%	5.10%	-7.22%
PDLB	69 Neutral	$346.10M	20.24	3.42%	―	17.80%	86.24%
Sector *	68 Neutral	$17.52B	11.72	10.43%	3.85%	9.75%	2.39%

Pioneer Bancorp Corporate Events

Pioneer Bancorp Approves Key Proposals at Annual Meeting

On May 20, 2025, Pioneer Bancorp, Inc. held its Annual Meeting of Stockholders where several key proposals were approved. The stockholders elected Eileen C. Bagnoli as a director for a three-year term, ratified the appointment of Bonadio & Co., LLP as the independent registered public accounting firm for 2025, and approved a non-binding advisory resolution on executive compensation. Additionally, stockholders recommended holding an annual advisory vote on executive compensation.