Pioneer Bancorp, Inc. PBFS R2KFINANCIAL
Company Overview
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.
Why Investors Should Care
Maintains a net profit margin of 17.1%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $15.81M (+5.8% YoY); net profit $20.29M.
- Trailing 12 Months Year-on-year growth — revenue +17.9%, earnings -46.2%.
- 5-Year Trend Long-term compounding — revenue CAGR 3.5%, profit CAGR 8.5%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 3.47% |
| 1 Year: | 17.90% |
Compounded Profit Growth
| 5 Years: | 8.45% |
| 1 Year: | -46.20% |
Stock Price Performance
| 1 Year: | +42.29% |
| 6 Months: | +32.15% |
| 3 Months: | +14.44% |
| 1 Month: | +7.35% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)69.32 · Neutral
P/E of 26.49 is above the sector median of 14.52 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
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. R2KFINANCIAL | 18.54 | 26.49 | $464.92M | 0.00% | - | 6.26% | 3.47% | 8.45% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 358.64 | 15.37 | $953.34B | 1.68% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 506.03 | 15.07 | $707.59B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 374.00 | 31.86 | $637.34B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 579.21 | 31.82 | $503.60B | 0.60% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.68 | 14.48 | $438.31B | 2.03% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 759,350.00 | 15.07 | $384.00B | 0.00% | - | 10.50% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 107.11 | 15.30 | $367.34B | 3.62% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 217.72 | 17.59 | $342.26B | 2.15% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
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 | 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 | 3.82M | 3.65M | 3.97M | 3.63M | 3.84M |
| 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 | 6.31M | 5.76M | 6.45M | 4.33M | 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 | 0.18 | 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 | 12.77M | 13.23M | 12.98M | 14.95M | 15.81M |
| Net Income | 11.50M | 19.02M | 5.20M | 1.08M | 10.28M | 21.95M | 15.26M | 20.29M |
| Diluted EPS | - | - | 0.21 | 0.04 | 0.41 | 0.87 | 0.61 | 0.83 |
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 | 1.80B | 1.96B | 1.86B | 1.90B | 1.98B | 2.15B |
| Total Equity | 104.01M | 118.06M | 123.26M | 223.97M | 237.82M | 242.63M | 266.70M | 296.53M | 304.55M | 323.86M |
| Cash & Equivalents | 40.26M | 120.28M | 230.11M | 156.90M | 324.96M | - | - | - | - | - |
| Total Liabilities | - | 1.17B | 1.35B | 1.30B | 1.56B | 1.72B | 1.59B | 1.60B | 1.68B | 1.83B |
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 | 32.65M | 49.97M | 26.27M | 23.85M | 11.12M |
| Investing Cash Flow | -78.70M | -78.02M | -109.47M | -125.11M | -148.03M | -114.87M | -18.05M | -125.79M |
| Financing Cash Flow | 135.71M | 181.72M | 34.24M | 260.51M | 149.16M | -136.98M | 8.91M | 151.83M |
| Capital Expenditure | -8.02M | -2.28M | -1.70M | -596.00K | -780.00K | -451.00K | - | - |
| Free Cash Flow | 14.99M | 3.85M | 322.00K | 32.06M | 49.19M | 25.82M | - | - |
| 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% | 8.4% | 77.7% | 169.1% | 102.1% | 128.3% |
| ROE % | 9.7% | 15.4% | 2.3% | 0.5% | 4.2% | 8.2% | 5.1% | 6.3% |
| ROCE % | - | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | M3F, Inc. | 7.33% | 1.82M | $32.12M |
| 2 | Blackrock Inc. | 2.54% | 631.15K | $11.13M |
| 3 | Alliancebernstein L.P. | 2.11% | 523.01K | $9.22M |
| 4 | Vanguard Capital Management LLC | 1.95% | 484.06K | $8.53M |
| 5 | Private Capital Management, LLC | 1.48% | 366.77K | $6.47M |
| 6 | Geode Capital Management, LLC | 1.07% | 266.27K | $4.69M |
| 7 | Dimensional Fund Advisors LP | 0.90% | 224.75K | $3.96M |
| 8 | State Street Corporation | 0.73% | 180.38K | $3.18M |
| 9 | First Pacific Advisors, LP | 0.67% | 166.97K | $2.94M |
| 10 | Northern Trust Corporation | 0.34% | 83.42K | $1.47M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for PBFS
PBFS's Valuation Remains Premium: Is It Worth Overpaying for? - Eastern Progress
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PBFS|Pioneer Bancorp Inc|Price:17.365|Chg%:+0.245 - tradingkey.com
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Pioneer Bancorp Inc. (PBFS) Financials – Balance Sheet, Profit & Loss, Cash Flow - Value Research
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PBFS — Frequently Asked Questions
What is the current share price of Pioneer Bancorp, Inc. (PBFS)?
As of 2026-09-07 16:24 PDT, Pioneer Bancorp, Inc. (PBFS) trades at $18.54 on NasdaqCM. Its 52-week range is $12.55 to $18.54.
What is the market capitalisation of PBFS?
Pioneer Bancorp, Inc. (PBFS) has a market capitalisation of $464.92M on NasdaqCM.
What is the P/E ratio of PBFS?
PBFS trades at a trailing price-to-earnings (P/E) ratio of 26.49. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.29.
What is the return on equity (ROE) of PBFS?
PBFS has a return on equity (ROE) of 6.26%.
Is PBFS a good stock to buy?
This page provides a data-driven analysis of Pioneer Bancorp, Inc. (PBFS), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.