Pioneer Bancorp, Inc.

Pioneer Bancorp, Inc.

PBFS
Pioneer Bancorp, Inc.US flagNASDAQ Capital Market
15.82
USD
-0.97
- -
396.71MMarket Cap
Pioneer Bancorp, Inc.
PBFS
(NASDAQ Capital Market)

Recent

price

15.82

P/E

ratio

- -

div

yld

- -

ROIC.AI

2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
4.13
5.02
5.74
2.58
2.3
2.25
3.17
3.05
3.93
4.05
Revenue per Share
0.5
1.03
0.65
0.21
0.04
0.41
0.87
0.61
0.83
0.82
Basic EPS, GAAP
0.22
1.34
0.34
0.01
1.28
1.96
1.03
0.91
0.36
0.53
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
9.22
10.42
12.03
5.6
5.63
6.02
6.89
7.46
8.31
8.61
Book Value per Share
8.8
9.66
10.16
8.58
9.12
9.21
10.16
11.22
12.73
13.05
Tangible Book Value per Share
11
11
11
25
25
25
25
25
24
24
Basic Weighted Avg Shares
46
56
64
64
58
56
80
77
96
98
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
2
3
3
3
3
3
3
3
2
2
Depreciation Expense
6
11
7
5
1
10
22
15
20
20
Net Income, GAAP
32.53
35.43
9.16
13.29
59.51
22.93
21.21
21.38
23.41
20.03
Effective Tax Rate (%)
12.21
20.5
11.4
8.06
1.87
18.21
27.54
19.85
21.07
20.2
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
104
118
123
224
238
243
267
297
324
329
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
10.48
5.83
3.79
0.77
7.03
13.52
8.45
10.37
9.73
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
24
24
24
Market Capitalization
322
330
337

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
294
185
190
Accounts Receivable, Net
9
9
10
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
7.71%
9.22%
Free Cash Flow
- -
1,957.78%
-61.75%
Net Income, GAAP
- -
178.22%
32.94%
Sales/Revenue/Turnover
- -
10.04%
25.22%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
19
15
22
21
77
2025
24
25
23
24
96
2026
25
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.14
0.13
0.19
- -
0.61
2025
- -
0.16
0.23
0.26
0.83
2026
0.22
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
Business
Pioneer Bancorp, Inc. operates as a bank holding company headquartered in Albany, New York, primarily through its subsidiary Pioneer Savings Bank. Founded in 1854, the company provides a broad array of financial products and services including various deposit products such as demand, savings, money market accounts, and certificates of deposit. It offers a diversified lending portfolio with commercial real estate loans, commercial and industrial loans, commercial construction loans, residential mortgage loans, consumer loans, and home equity lines of credit. Additionally, the company delivers personal and commercial insurance products including homeowners, automobile, business insurance, and employee benefit products like group health, dental, disability, and life insurance, as well as defined contribution and benefit administration. Its services extend to wealth management and consulting through subsidiaries and partnerships in the Hudson Valley Region of New York. Recent significant developments include the expected completion of the merger with Pioneer Commercial Bank effective October 1, 2024, which enables the company to offer full municipal deposit banking services directly. Pioneer Bancorp also completed the acquisition of assets from Hudson Financial LLC to expand its wealth management services. The company has reallocated its balance sheet by selling $74.5 million in lower-yielding available-for-sale securities to invest in higher-yielding assets starting in early 2024, aiming to improve income metrics. On May 21, 2024, Pioneer Bancorp announced a stock repurchase program allowing for the repurchase of up to approximately 5% of its outstanding common stock, marking its first buyback since its mutual holding company reorganization. In 2025, the company launched human resources consulting services, further diversifying its service offerings. It operates primarily in New York's Capital Region, serving retail, commercial, and municipal clients. Pioneer Bancorp targets small- to medium-sized businesses with commercial lending products that typically range from $500,000 to $10 million and maintains a focus on client relationship development and expanding deposit bases. Its geographic operations are concentrated primarily in New York State. The company's recent strategic initiatives aim to strengthen capital, liquidity, and operational efficiency while enhancing its product and service delivery across banking, insurance, and wealth management segments. It is listed on NASDAQ under the ticker PBFS.

Company News

APIChat
  • Zacks Initiates Coverage of PBFS With Neutral Recommendation

  • Pioneer Announces Acquisition of Targeted Lending Co., LLC, Launching Pioneer Specialty Financing Division

  • Pioneer Bancorp (NASDAQ:PBFS) Stock Price Down 0.3% – Time to Sell?

  • Financial Analysis: Winchester Bancorp (NASDAQ:WSBK) & Pioneer Bancorp (NASDAQ:PBFS)

  • Pioneer Bancorp (NASDAQ:PBFS) versus Carter Bankshares (NASDAQ:CARE) Head-To-Head Survey

  • Pioneer Natural Resources Grows, Making Intelligent Moves (NYSE:PXD)

  • Vestmark Advisory Solutions Inc. Trims Stock Position in Pioneer Natural Resources (NYSE:PXD)

  • Crude Oil Prices Pick up on Jobless, Housing Data But Stay in Range

  • Texas oil deal must navigate potential father-son conflict

  • Pioneer Natural Resources to acquire Parsley Energy in $4.5B deal

  • Pioneer Natural, Parsley Ink $7.6B Deal; RBC Praises Stronger FCF Outlook

  • Pioneer Natural Resources Announces Agreement to Acquire Parsley Energy - Oil & Gas 360

  • Texas Oil Deal Must Navigate Potential Father-Son Conflict

  • Pioneer Natural Resources to Buy Parsley Energy for $4.5 Billion--2nd Update

  • Wall Street Breakfast: Gap Narrows On Stimulus

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  • COVID-19 Impact and Recovery Analysis | Electroplating Market Procurement Intelligence Report Forecasts Spend Growth of Over USD 2 Billion

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  • Crossmark Global Holdings Inc. Has $587,000 Stock Holdings in Pioneer Natural Resources (NYSE:PXD)