Pioneer Bancorp (PBFS) AI Stock Analysis

• Market Cap: $332.12M
• Dividend Yield: N/A
• Average Volume (3M): 33.13K
• Price to Earnings (P/E): 15.9
• Beta (1Y): 0.44
• Revenue Growth: 28.90%
• EPS Growth: 31.84%
• Country: US
• Employees: 268
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 25,294,828
• 10 Day Avg. Volume: 21,620
• 30 Day Avg. Volume: 33,132
• PEG Ratio: 0.58
• Price to Book (P/B): 0.96
• Price to Sales (P/S): 3.30
• P/FCF Ratio: 9.04
• Enterprise Value/Market Cap: 0.80
• Enterprise Value/Revenue: 2.84
• Enterprise Value/Gross Profit: 3.91
• Enterprise Value/Ebitda: 11.90
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 73 Outperform
• Price Target: $13.00 ▼(-2.91% Downside)

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.

Positive Factors

Revenue Growth

Strong revenue growth indicates robust demand for Pioneer Bancorp's services, enhancing its market position and supporting long-term expansion.

Debt-Free Balance Sheet

A debt-free balance sheet provides financial stability, reduces risk, and allows for greater flexibility in strategic investments and growth initiatives.

Profitability

High profitability reflects efficient operations and strong pricing power, which can sustain competitive advantages and shareholder value over time.

Negative Factors

Declining EBIT Margin

A declining EBIT margin suggests rising costs or pricing pressures, which could erode profitability and impact long-term financial performance if not addressed.

Operating Cash Flow Decline

A decrease in operating cash flow indicates potential challenges in converting income into cash, which may affect liquidity and investment capacity.

Executive Compensation Concerns

Concerns over executive compensation may indicate governance issues, potentially affecting management focus and shareholder alignment.

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 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.

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 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	93.49M	88.12M	98.70M	85.18M	57.92M	59.68M
Gross Profit	68.11M	88.12M	74.19M	79.69M	57.00M	53.52M
EBITDA	22.34M	0.00	22.00M	30.55M	16.08M	5.52M
Net Income	16.54M	19.20M	15.26M	21.95M	10.28M	1.08M
Balance Sheet
Total Assets	2.24B	2.10B	1.90B	1.86B	1.96B	1.80B
Cash, Cash Equivalents and Short-Term Investments	483.06M	407.61M	408.96M	579.98M	854.38M	589.38M
Total Debt	0.00	0.00	0.00	0.00	0.00	0.00
Total Liabilities	1.93B	1.78B	1.60B	1.59B	1.72B	1.56B
Stockholders Equity	314.20M	314.25M	296.53M	266.70M	242.63M	237.82M
Cash Flow
Free Cash Flow	3.34M	32.20M	23.01M	25.82M	49.19M	32.06M
Operating Cash Flow	5.44M	33.71M	23.85M	26.27M	49.97M	32.65M
Investing Cash Flow	-126.37M	-311.80M	-18.05M	-114.87M	-148.03M	-125.11M
Financing Cash Flow	252.96M	140.76M	8.91M	-136.98M	149.16M	260.51M

Pioneer Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 13.39
• 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 13.39 is above the 20-day moving average (MA) of 13.26, above the 50-day MA of 13.19, and above the 200-day MA of 12.29, indicating a bullish trend. The MACD of 0.04 indicates Negative momentum. The RSI at 54.51 is Neutral, neither overbought nor oversold. The STOCH value of 62.18 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
PCB	80 Outperform	$314.73M	9.20	9.38%	3.62%	10.93%	42.68%
FSBW	74 Outperform	$288.43M	9.27	10.77%	3.30%	4.43%	-12.94%
PBFS	73 Outperform	$332.12M	15.90	6.79%	―	28.90%	31.84%
CBAN	72 Outperform	$296.39M	10.68	9.63%	2.71%	6.92%	26.93%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SFST	67 Neutral	$363.76M	13.77	7.65%	―	4.74%	86.27%
MVBF	66 Neutral	$331.01M	10.57	10.19%	2.65%	-14.00%	73.85%

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.