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Pioneer Bancorp Inc (PBFS)
NASDAQ:PBFS
US Market

Pioneer Bancorp (PBFS) AI Stock Analysis

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Pioneer Bancorp

(NASDAQ:PBFS)

Rating:73Outperform
Price Target:
$13.00
▲(4.00%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 (PBFS) vs. SPDR S&P 500 ETF (SPY)

Pioneer Bancorp Business Overview & Revenue Model

Company DescriptionPioneer 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 MoneyPioneer 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
75
Positive
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
85
Very Positive
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
70
Positive
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.
BreakdownTTMJun 2024Jun 2023Jun 2022Jun 2021Jun 2020
Income Statement
Total Revenue85.32M98.70M85.18M57.92M59.68M69.20M
Gross Profit65.03M74.19M79.69M56.45M53.52M57.68M
EBITDA22.50M22.00M30.55M16.08M5.52M8.90M
Net Income16.00M15.26M21.95M10.28M1.08M5.20M
Balance Sheet
Total Assets2.07B1.90B1.86B1.96B1.80B1.53B
Cash, Cash Equivalents and Short-Term Investments270.53M408.96M579.98M854.38M589.38M231.29M
Total Debt0.000.000.000.000.000.00
Total Liabilities1.76B1.60B1.60B1.72B1.57B1.30B
Stockholders Equity310.70M296.53M266.70M242.63M237.82M223.97M
Cash Flow
Free Cash Flow5.74M23.01M25.82M49.19M32.06M322.00K
Operating Cash Flow7.43M23.85M26.27M49.97M32.65M2.02M
Investing Cash Flow-100.22M-18.05M-114.87M-148.03M-125.11M-109.47M
Financing Cash Flow114.33M8.91M-136.98M149.16M260.51M34.24M

Pioneer Bancorp Technical Analysis

Technical Analysis Sentiment
Positive
Last Price12.50
Price Trends
50DMA
11.62
Positive
100DMA
11.63
Positive
200DMA
11.49
Positive
Market Momentum
MACD
0.23
Negative
RSI
66.94
Neutral
STOCH
76.27
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 12.5 is above the 20-day moving average (MA) of 11.80, above the 50-day MA of 11.62, and above the 200-day MA of 11.49, indicating a bullish trend. The MACD of 0.23 indicates Negative momentum. The RSI at 66.94 is Neutral, neither overbought nor oversold. The STOCH value of 76.27 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

Overall Rating
UnderperformOutperform
Sector (70)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
76
Outperform
$389.22M11.079.07%2.71%9.51%-2.12%
75
Outperform
$330.60M9.8711.82%2.61%7.35%-4.60%
73
Outperform
$323.16M17.846.04%16.29%-12.22%
PCPCB
72
Outperform
$319.95M11.527.60%3.58%14.10%11.51%
70
Neutral
CHF15.63B15.7511.86%3.69%4.77%24.25%
61
Neutral
$343.70M23.942.88%20.07%147.42%
RBRBB
59
Neutral
$328.19M15.954.09%3.46%-4.09%-44.36%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
PBFS
Pioneer Bancorp
12.30
2.05
20.00%
CIVB
Civista Bancshares
24.62
10.51
74.49%
FSBW
FS Bancorp
42.20
8.97
26.99%
RBB
Rbb Bancorp
18.50
0.31
1.70%
PDLB
Ponce Financial Group Inc
14.33
5.14
55.93%
PCB
PCB Bancorp
22.05
7.24
48.89%

Pioneer Bancorp Corporate Events

Executive/Board ChangesShareholder Meetings
Pioneer Bancorp Approves Key Proposals at Annual Meeting
Neutral
May 22, 2025

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.

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.Date of analysis: Jun 17, 2025