Pioneer Bancorp Inc (PBFS)
NASDAQ:PBFS
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Pioneer Bancorp
(NASDAQ:PBFS)
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Rating:65Neutral
Price Target:
$15.50
▲(16.45% Upside)
Action:ReiteratedDate:04/29/26
The score is primarily supported by a solid financial base (profitability and low leverage), offset by weakening cash flow and some margin compression. Technicals add modest support with price above key moving averages and positive MACD, while valuation is a headwind due to a higher P/E and no dividend yield data. Recent acquisitions are a positive strategic signal, but the core financial trends drive the overall rating.
Positive Factors
Conservative balance sheet
Low leverage and an increased equity base provide a durable capital buffer for a regional bank. This conservative positioning supports lending through economic cycles, reduces refinancing risk, and preserves financial flexibility for growth or stress events over the next several months.
Negative Factors
Material free cash flow decline
A 57% drop in free cash flow meaningfully reduces internal funding for lending, acquisitions, or capital returns. Lower cash generation limits strategic optionality, increases reliance on deposits or wholesale funding, and heightens vulnerability if earnings or loan quality weaken.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
Low leverage and an increased equity base provide a durable capital buffer for a regional bank. This conservative positioning supports lending through economic cycles, reduces refinancing risk, and preserves financial flexibility for growth or stress events over the next several months.
Read all positive factors
Pioneer Bancorp (PBFS) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$359.60M
Dividend YieldN/A
Average Volume (3M)33.13K
Price to Earnings (P/E)21.7
Beta (1Y)0.36
Revenue Growth28.31%
EPS Growth36.70%
CountryUS
Employees268
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.22
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/Revenue2.16
Enterprise Value/Gross Profit2.95
Enterprise Value/Ebitda9.87
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. 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...
How the Company Makes Money
Pioneer Bancorp primarily makes money through its banking subsidiary by earning interest income on loans and investment securities and paying interest on deposits and other borrowings; the spread between these (net interest margin) is typically th...
Pioneer Bancorp Financial Statement Overview
Summary
Income Statement
71
Positive
Balance Sheet
78
Positive
Cash Flow
56
Neutral
| Breakdown | TTM | Sep 2025 | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 126.67M | 88.12M | 98.70M | 85.18M | 57.92M | 59.68M |
| Gross Profit | 92.59M | 88.12M | 74.19M | 79.69M | 57.00M | 53.52M |
| EBITDA | 27.67M | 0.00 | 22.00M | 30.55M | 16.08M | 5.52M |
| Net Income | 20.29M | 19.20M | 15.26M | 21.95M | 10.28M | 1.08M |
Balance Sheet | ||||||
| Total Assets | 2.16B | 2.10B | 1.90B | 1.86B | 1.96B | 1.80B |
| Cash, Cash Equivalents and Short-Term Investments | 354.11M | 407.61M | 408.96M | 579.98M | 854.38M | 589.38M |
| Total Debt | 54.42M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Liabilities | 1.84B | 1.78B | 1.60B | 1.59B | 1.72B | 1.56B |
| Stockholders Equity | 323.86M | 314.25M | 296.53M | 266.70M | 242.63M | 237.82M |
Cash Flow | ||||||
| Free Cash Flow | 8.80M | 32.20M | 23.01M | 25.82M | 49.19M | 32.06M |
| Operating Cash Flow | 11.12M | 33.71M | 23.85M | 26.27M | 49.97M | 32.65M |
| Investing Cash Flow | -125.79M | -311.80M | -18.05M | -114.87M | -148.03M | -125.11M |
| Financing Cash Flow | 151.83M | 140.76M | 8.91M | -136.98M | 149.16M | 260.51M |
Pioneer Bancorp Technical Analysis
Positive
13.31
Price Trends
14.15
Positive
13.95
Positive
13.42
Positive
Market Momentum
0.11
Negative
56.00
Neutral
55.28
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 13.31 is below the 20-day moving average (MA) of 14.01, below the 50-day MA of 14.15, and below the 200-day MA of 13.42, indicating a bullish trend. The MACD of 0.11 indicates Negative momentum. The RSI at 56.00 is Neutral, neither overbought nor oversold. The STOCH value of 55.28 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 47 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 |
|---|---|---|---|---|---|---|---|
76 Outperform | $346.25M | 7.46 | 10.43% | 3.57% | 8.84% | 43.48% | |
69 Neutral | $528.20M | 11.25 | 9.65% | ― | 6.94% | 90.92% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $419.85M | 12.91 | 8.83% | 2.55% | 12.81% | 11.31% | |
65 Neutral | $359.60M | 21.68 | 6.48% | ― | 28.31% | 36.70% | |
65 Neutral | $329.85M | 15.32 | 8.30% | 2.61% | -6.69% | 51.80% | |
63 Neutral | $305.99M | 9.26 | 10.88% | 3.17% | 6.31% | -1.13% |
* Financial Sector Average
PBFS
Pioneer Bancorp
14.34
2.82
24.48%
CBAN
Colony Bankcorp
19.83
4.54
29.67%
SFST
Southern First Bancshares
56.81
20.44
56.20%
FSBW
FS Bancorp
40.79
2.25
5.83%
MVBF
MVB Financial
25.68
8.32
47.89%
PCB
PCB Bancorp
24.33
5.13
26.70%
Pioneer Bancorp Corporate Events
Business Operations and StrategyM&A Transactions
Pioneer Bancorp Completes Targeted Lending Specialty Finance Acquisition
Positive
Apr 28, 2026
On April 24, 2026, Pioneer Bank, National Association, a subsidiary of Pioneer Bancorp, completed an all-cash acquisition of 100% of Targeted Lending Co., LLC through its subsidiary Targeted Lending Holdings, LLC, in a transaction valued at about ...
Business Operations and StrategyExecutive/Board ChangesM&A Transactions
Pioneer Bancorp Expands Employee Benefits Business with Acquisitions
Positive
Apr 22, 2026
On April 20, 2026, Pioneer Bancorp, Inc. announced it had expanded its employee benefits services business by acquiring Reiser Consulting Group, Inc. of Albany, N.Y., and Wyndham Benefits, LLC of Ballston Spa, N.Y., with both transactions effectiv...
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.