Pioneer Bancorp (PBFS) AI Stock Analysis

• Market Cap: $360.86M
• Dividend Yield: N/A
• Average Volume (3M): 33.13K
• Price to Earnings (P/E): 21.7
• Beta (1Y): 0.36
• Revenue Growth: 28.90%
• EPS Growth: 31.84%
• Country: US
• Employees: 268
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.15
• Shares Outstanding: 25,076,801
• 10 Day Avg. Volume: 21,620
• 30 Day Avg. Volume: 33,132
• PEG Ratio: 0.60
• Price to Book (P/B): 0.97
• Price to Sales (P/S): 3.45
• P/FCF Ratio: 9.44
• Enterprise Value/Market Cap: 0.78
• Enterprise Value/Revenue: 2.22
• Enterprise Value/Gross Profit: 3.04
• Enterprise Value/Ebitda: 10.18
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 60 Neutral
• Price Target: $14.00 ▲(5.18% Upside)
• Action: Reiterated Date: 03/17/26
• Date: Action: Reiterated 03/17/26

PBFS scores as moderate overall: resilient financial positioning (low leverage and solid profitability) is tempered by notable cash flow deterioration and margin/ROE softening. Technical signals are the biggest near-term drag given bearish momentum, while valuation is only middling and recent buyback activity provides some support.

Positive Factors

Conservative balance sheet / low leverage

Very low debt-to-equity (~0.17) and rising equity provide a durable capital cushion for a regional bank. This structural strength supports lending capacity, regulatory resilience and flexibility in capital allocation over the medium term, reducing insolvency and funding risks.

Negative Factors

Sharp free cash flow decline

A ~57% drop in free cash flow is a persistent concern: lower cash generation limits the bank's ability to fund loan growth, absorb credit losses, sustain buybacks or raise dividends without tapping capital markets. Reduced cash buffers increase medium-term funding and strategic risk.

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...

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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 (1) net interest income and (2) noninterest income, with profitability also influenced by credit costs and operating efficiency. 1) Net interest income (core earnings driver) - Loans: The bank earns i...

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Pioneer Bancorp primarily makes money through (1) net interest income and (2) noninterest income, with profitability also influenced by credit costs and operating efficiency. 1) Net interest income (core earnings driver) - Loans: The bank earns i...

Pioneer Bancorp Financial Statement Overview

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

• Technical Analysis Sentiment: Positive
• Last Price: 13.31
• 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 13.31 is below the 20-day moving average (MA) of 13.74, below the 50-day MA of 14.12, and below the 200-day MA of 13.35, indicating a bullish trend. The MACD of -0.02 indicates Negative momentum. The RSI at 56.05 is Neutral, neither overbought nor oversold. The STOCH value of 50.93 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	70 Outperform	$347.10M	8.21	9.62%	3.57%	10.93%	42.68%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SFST	66 Neutral	$490.00M	10.51	8.63%	―	4.74%	86.27%
MVBF	65 Neutral	$343.60M	12.25	8.46%	2.61%	-14.00%	73.85%
CBAN	62 Neutral	$448.30M	10.64	8.98%	2.55%	6.92%	26.93%
PBFS	60 Neutral	$360.86M	21.68	6.48%	―	28.90%	31.84%
FSBW	56 Neutral	$311.16M	9.28	10.77%	3.17%	4.43%	-12.94%