Pioneer Bancorp, Inc. PBFS R2K

Financial Services · Banks - Regional · United States

https://www.pioneerny.com

Pioneer Bancorp, Inc. operates as a holding company for Pioneer Bank, National Association that provides various banking products and services in New York. It accepts various deposit accounts, such as demand, savings, and money market accounts, as well as certificates of deposit accounts. The company's loan products include commercial real estate, commercial and industrial, commercial construction, residential mortgage, consumer loans, home equity loans, and lines of credit. It also invests in securities, including U.S. treasury securities, fixed-rate mortgage-backed securities and collateralized mortgage obligations, fixed-rate investment grade bonds, and corporate debt securities. In addition, the company offers personal and commercial insurance products, including homeowners, automobile, and comprehensive business insurance; employee benefit products and consulting services, such as group health, dental, disability, and life insurance products; defined contribution and 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. Pioneer Bancorp, Inc. was founded in 1889 and is based in Albany, New York. Pioneer Bancorp, Inc. operates as a subsidiary of Pioneer Bancorp MHC.

Market & Price

Market Cap

$364.51M

Current Price

$14.93

High / Low (52W)

$15.00 / $11.31

Beta

0.41

Valuation

Stock P/E

18.21

Industry PE

12.01

Forward P/E

PEG Ratio

Book Value

$13.27

Price to Book

1.13

P/S

3.86

EV/EBITDA

Dividend Yield

Profitability & Returns

ROCE

ROE

6.20%

ROA

0.92%

Profit Margin

20.99%

Op Margin

24.95%

EPS (Latest Qtr)

$0.22

EPS (TTM)

$0.82

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$7.66M

Total Assets

$2.15B

Current Assets

Working Capital

Ownership

Promoter Holding

58.80%

Chg in Prom Hold

FII / Inst Holding

23.62%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$206.91M

Total Revenue (TTM)

$94.41M

EBITDA

Free Cash Flow

Operating Cash Flow

$14.48M

Shares Outstanding

24.41M

Gross Margin

0.00%

Payout Ratio

0.00%

Growth (CAGR)

Revenue 5Y

19.48%

Profit 5Y

25.44%

Revenue (YoY)

8.30%

Earnings (YoY)

-4.60%

PROS

Excellent profit margin of 21.0%.
Compounding revenue at 19.5% over 5 years.
Profit CAGR of 25.4% over 5 years.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	PBFS Pioneer Bancorp, Inc. R2K	14.93	18.21	$364.51M	-	-	6.20%	19.48%	25.44%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Mar 2018	Sep 2018	Dec 2018	Mar 2019	Sep 2019	Dec 2019	Mar 2020	Sep 2020	Dec 2020	Mar 2021	Sep 2021	Dec 2021	Mar 2022	Sep 2022	Dec 2022	Mar 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	3.06M	3.71M	3.31M	2.79M	3.51M	3.70M	3.12M	3.57M	3.25M	3.28M	3.58M	3.23M	3.48M	4.18M	3.64M	3.66M	-	22.81M	24.41M	24.02M	25.05M	24.61M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	6.76M	7.40M	8.08M	8.13M	7.62M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	7.42M	8.14M	5.61M	5.33M	5.71M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.65M	1.69M	1.28M	1.58M	416.00K
Net Income	3.42M	4.44M	4.80M	4.78M	-977.00K	3.85M	849.00K	1.39M	1.90M	1.34M	1.36M	6.26M	302.00K	5.23M	6.18M	6.02M	3.42M	3.19M	4.72M	3.93M	-	5.76M	6.45M	4.33M	3.74M	5.29M
Diluted EPS	-	-	-	-	-0.51	0.15	0.03	0.06	0.08	0.05	0.05	0.25	0.01	0.21	0.25	0.24	0.14	0.13	0.19	0.16	0.25	0.23	0.26	-	0.15	0.22

Profit & Loss (Annual)

Figures in USD.

Metric	Jun 2018	Jun 2019	Jun 2020	Jun 2021	Jun 2022	Jun 2023	Jun 2024	Dec 2025
Revenue	-	12.89M	12.55M	-	56.45M	79.69M	76.89M	96.29M
Cost of Revenue	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	1.46M	5.49M	21.80M	30.38M
Pretax Income	-	-	-	-	13.34M	27.86M	19.41M	26.49M
Tax Provision	-	-	-	-	3.06M	5.91M	4.15M	6.20M
Net Income	11.50M	19.02M	5.20M	-	10.28M	21.95M	15.26M	20.29M
Diluted EPS	-	-	0.21	-	0.41	0.87	0.61	0.83

Compounded Sales Growth

5 Years:	19.48%
1 Year:	8.30%

Compounded Profit Growth

5 Years:	25.44%
1 Year:	-4.60%

Stock Price Performance

1 Year:	+30.96%
6 Months:	+11.25%
3 Months:	+5.81%
1 Month:	+6.26%

Balance Sheet (Annual)

Figures in USD.

Metric	Jun 2017	Jun 2018	Jun 2019	Jun 2020	Jun 2021	Jun 2022	Jun 2023	Jun 2024	Dec 2024	Dec 2025
Total Assets	-	1.28B	1.48B	1.53B	-	1.96B	1.86B	1.90B	1.98B	2.15B
Current Assets	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	40.26M	120.28M	230.11M	156.90M	-	372.59M	148.31M	151.55M	-	130.88M
Inventory	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	4.62M	7.19M	7.56M	-	8.89M
Total Liabilities	-	1.17B	1.35B	1.30B	-	1.72B	1.59B	1.60B	1.68B	1.83B
Current Liabilities	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-
Total Debt	-	-	-	-	-	-	-	-	-	-
Total Equity	104.01M	118.06M	123.26M	223.97M	-	242.63M	266.70M	296.53M	304.55M	323.86M
Shares Outstanding	-	-	-	-	-	25.98M	25.98M	26.26M	-	25.07M

Cash Flows (Annual)

Figures in USD.

Metric	Jun 2018	Jun 2019	Jun 2020	Jun 2021	Jun 2022	Jun 2023	Jun 2024	Dec 2025
Operating Cash Flow	23.00M	6.13M	2.02M	-	49.97M	26.27M	23.85M	11.12M
Investing Cash Flow	-78.70M	-78.02M	-109.47M	-	-148.03M	-114.87M	-18.05M	-125.79M
Financing Cash Flow	135.71M	181.72M	34.24M	-	149.16M	-136.98M	8.91M	151.83M
Capital Expenditure	-8.02M	-2.28M	-1.70M	-	-780.00K	-451.00K	-838.00K	-2.32M
Free Cash Flow	14.99M	3.85M	322.00K	-	49.19M	25.82M	23.01M	8.80M
Net Change in Cash	-	-	-	-	51.10M	-225.58M	14.71M	37.15M
Share Buybacks	-	-	-	-	-	-	1.07M	11.29M

Ratios (Annual)

Figures in %.

Metric	Jun 2018	Jun 2019	Jun 2020	Jun 2021	Jun 2022	Jun 2023	Jun 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-
Net Margin %	-	147.5%	41.4%	-	18.2%	27.5%	19.8%	21.1%
ROE %	9.7%	15.4%	2.3%	-	4.2%	8.2%	5.1%	6.3%
ROCE %	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

58.80%

Institutions

23.62%

Public Float

57.34%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	M3F, Inc.	8.26%	2.07M	$30.93M
2	Blackrock Inc.	2.40%	602.14K	$8.99M
3	Vanguard Capital Management LLC	2.10%	525.67K	$7.85M
4	Alliancebernstein L.P.	2.03%	508.98K	$7.60M
5	Private Capital Management, LLC	1.42%	354.84K	$5.30M
6	Geode Capital Management, LLC	0.93%	233.38K	$3.48M
7	Dimensional Fund Advisors LP	0.87%	217.59K	$3.25M
8	State Street Corporation	0.73%	181.92K	$2.72M
9	First Pacific Advisors, LP	0.67%	166.97K	$2.49M
10	Northern Trust Corporation	0.32%	79.12K	$1.18M

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