Financial Services
Pioneer Bancorp, Inc.(PBFS)
Live Price
Offline$17.10
+3.32% today
1Y Change
+40.42%
Window
Jun 25, 2025 โ Jun 24, 2026
- Market Cap
- $360.00M
- Revenue Growth
- -10.7%
- EPS Growth
- +26.2%
- Dividend Yield
- 0.0%
Coverage: 250 bars ยท Jun 25, 2025 โ Jun 24, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Pioneer Bancorp, Inc. (PBFS) is a Financial Services stock with a market cap of $360.00M and listed on NASDAQ. The stock last traded around $17.10 and up 40.4% across the available one-year price window (Jun 25, 2025 โ Jun 24, 2026). Baseline metrics include revenue growth of -10.7%, EPS growth of +26.2%, a dividend yield of 0.0%. What stands out right now is revenue -10.7%, EPS +26.2%, free cash flow +39.9% with operating margin 20.9% and ROIC 0.9%. Valuation is more restrained than many high-expectation growth names at P/E 17.0 and price/sales 2.8. Overall, the current profile looks closer to a turnaround or cyclical reset than a generic broad-market placeholder. Stock Foundry combines PBFS price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Below sector median
-10.7% vs +3.4% peer median
Operating Margin
Above sector median
+20.9% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 30, 2026, but the surprise data is still limited.
The operating picture looks softer than before
Revenue is at -10.7% and EPS is at +26.2%, with operating margin around 20.9%.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +3.4% over the next 5 trading days and finished higher after 3 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 30, 2026 | โ | +0.8% | +4.6% | +4.9% |
2026 Jan 30, 2026 | โ | +0.6% | +5.2% | +0.9% |
2025 Nov 7, 2025 | โ | -0.4% | +0.2% | +1.3% |
Benchmark Edge
PBFS vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
PBFS
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
PBFS Max Drawdown
-10.40%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for PBFS and SPY.
Company Overview
Pioneer Bancorp, Inc.
NASDAQ Capital Market
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.
- Leadership
- Thomas L. Amell
- IPO Date
- Jul 18, 2019
- Employees
- 268
- Street Address
- 652 Albany Shaker Road
- Mailing
- Albany, NY, 12211
- Region
- Albany, NY, US
- Reporting Currency
- USD
- Investor Line
- 518 730 3025
- Last Updated
- May 3, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 17.0
- EV/EBITDA
- 10.1
- Price/Sales
- 2.8
- Price/Book
- 1.1
Growth
- Revenue
- -10.7%
- EPS
- +26.2%
- Free Cash Flow
- +39.9%
Profitability
- Gross Margin
- 73.1%
- Operating Margin
- 20.9%
- Net Margin
- 16.0%
- ROE
- 6.4%
- ROIC
- 0.9%
Balance Sheet
- Debt/Equity
- 0.17
- Current Ratio
- 0.77
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.