PBFS
Pioneer Bancorp, Inc.
Price Chart
Latest Quote
$17.05
-0.05 (-0.29%)
Current Price
| Previous Close | $17.10 |
| Open | $17.11 |
| Day High | $19.42 |
| Day Low | $16.88 |
| Volume | 15,095 |
Stock Information
| Shares Outstanding | 24.41M |
| Total Debt | $7.66M |
| Cash Equivalents | $165.46M |
| Revenue | $94.41M |
| Net Income | $19.81M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $416.27M |
| P/E Ratio | 20.79 |
| EPS (TTM) | $0.82 |
| Exchange | NCM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $258.70M |
| Sales | $94.41M |
| Income | $19.81M |
| Book/sh | $13.45 |
| Cash/sh | $6.78 |
| Employees | 265 |
Financial Ratios
| EPS Growth TTM | -8.20% |
Returns & Margins
| ROA | 0.92% |
| ROE | 6.20% |
| Operating Margin | 24.95% |
| Profit Margin | 20.99% |
Ownership
| Insider Ownership | 58.80% |
| Institutional Ownership | 23.63% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 4.41 |
| P/B | 1.27 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $16.15 |
| SMA50 | $15.15 |
| SMA200 | $14.02 |
| RSI | 59.10 |
| ATR | 0.6639 |
| Shares Float | 7.55M |
| Short Float | 0.90% |
| Short Ratio | 4.09 |
| Volatility | 0.43 |
| Rel Volume | 0.66 |
Performance History
| Week | +1.07% |
| Month | +13.97% |
| Quarter | +26.20% |
| 6 Months | +18.40% |
| YTD | +28.10% |
| Year | +47.24% |
| 3 Years | +96.88% |
| 5 Years | +41.49% |
| 10 Years | +15.59% |
Stock Score:
â Premium
Based on debt, profitability, growth, and cash flow metrics
â Premium Feature
Sign up for free to view detailed scoring breakdown â premium is free during our trial period!
Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-22 | $17.05 | 15,095 |
| 2026-06-18 | $17.10 | 79,100 |
| 2026-06-17 | $16.55 | 31,900 |
| 2026-06-16 | $16.82 | 13,700 |
| 2026-06-15 | $16.73 | 6,700 |
| 2026-06-12 | $16.87 | 10,400 |
| 2026-06-11 | $16.81 | 11,100 |
| 2026-06-10 | $16.56 | 17,000 |
| 2026-06-09 | $16.54 | 9,900 |
| 2026-06-08 | $16.08 | 21,600 |
| 2026-06-05 | $16.20 | 14,900 |
| 2026-06-04 | $16.14 | 13,200 |
| 2026-06-03 | $15.82 | 29,500 |
| 2026-06-02 | $16.79 | 34,200 |
| 2026-06-01 | $16.36 | 43,700 |
| 2026-05-29 | $14.93 | 10,900 |
| 2026-05-28 | $15.00 | 8,000 |
| 2026-05-27 | $15.00 | 9,600 |
| 2026-05-26 | $14.87 | 66,700 |
About Pioneer Bancorp, Inc.
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.
đ° Latest News
Zacks Initiates Coverage of PBFS With Neutral Recommendation
Zacks âĸ 2026-05-28T12:16:00Z
Pioneer Bancorp, Inc.'s (NASDAQ:PBFS) top owners are private companies with 59% stake, while 16% is held by individual investors
Simply Wall St. âĸ 2026-02-09T19:31:40Z
Pioneer Bancorp (NASDAQ:PBFS) Ticks All The Boxes When It Comes To Earnings Growth
Simply Wall St. âĸ 2026-01-13T18:14:39Z
Pioneer Bancorp (NASDAQ:PBFS) shareholders have earned a 4.8% CAGR over the last five years
Simply Wall St. âĸ 2025-11-25T13:12:38Z
Discovering Undiscovered Gems in the US Market October 2025
Simply Wall St. âĸ 2025-10-14T17:33:20Z
US Market's 3 Undiscovered Gems with Strong Potential
Simply Wall St. âĸ 2025-09-10T17:33:15Z
Pioneer Bancorp, Inc.'s (NASDAQ:PBFS) top owners are private companies with 58% stake, while 16% is held by institutions
Simply Wall St. âĸ 2025-09-02T18:26:17Z
Here's Why We Think Pioneer Bancorp (NASDAQ:PBFS) Might Deserve Your Attention Today
Simply Wall St. âĸ 2025-08-06T17:58:08Z
3 Undiscovered Gems In The US Market With Strong Potential
Simply Wall St. âĸ 2025-07-10T17:33:20Z
Period:
Loading...
Income Statement (Annual)
| Metric | 2025-12-31 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $96,288,000 | $76,893,000 | $79,689,000 | $56,452,000 |
| Operating Revenue | $96,288,000 | $76,893,000 | $79,689,000 | $56,452,000 |
| Expenses | ||||
| Interest Expense | $30,382,000 | $21,803,000 | $5,492,000 | $1,464,000 |
| Selling And Marketing Expense | $1,011,000 | $729,000 | $825,000 | $520,000 |
| General And Administrative Expense | $35,857,000 | $31,228,000 | $29,186,000 | $22,410,000 |
| Professional Expense And Contract Services Expense | $8,765,000 | $11,070,000 | $4,739,000 | $3,511,000 |
| Other Non Interest Expense | $10,851,000 | $10,246,000 | $9,835,000 | $8,755,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $20,287,000 | $15,260,000 | $21,948,000 | $10,279,000 |
| Net Interest Income | $79,148,000 | $66,513,000 | $65,541,000 | $42,378,000 |
| Interest Income | $109,530,000 | $88,316,000 | $71,033,000 | $43,842,000 |
| Normalized Income | $21,818,730 | $10,581,913 | $21,948,000 | $10,992,175 |
| Net Income From Continuing And Discontinued Operation | $20,287,000 | $15,260,000 | $21,948,000 | $10,279,000 |
| Net Income Common Stockholders | $20,287,000 | $15,260,000 | $21,948,000 | $10,279,000 |
| Net Income | $20,287,000 | $15,260,000 | $21,948,000 | $10,279,000 |
| Net Income Including Noncontrolling Interests | $20,287,000 | $15,260,000 | $21,948,000 | $10,279,000 |
| Net Income Continuous Operations | $20,287,000 | $15,260,000 | $21,948,000 | $10,279,000 |
| Pretax Income | $26,489,000 | $19,409,000 | $27,855,000 | $13,338,000 |
| Special Income Charges | $-2,000,000 | $5,950,000 | $0 | $-1,200,000 |
| Per Share | ||||
| Diluted EPS | $0.83 | $0.61 | $0.87 | $0.41 |
| Basic EPS | $0.83 | $0.61 | $0.87 | $0.41 |
| Other | ||||
| Tax Effect Of Unusual Items | $-468,270 | $1,271,913 | $0 | $-211,825 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $-2,000,000 | $5,950,000 | $0 | $-925,000 |
| Total Unusual Items Excluding Goodwill | $-2,000,000 | $5,950,000 | $0 | $-925,000 |
| Reconciled Depreciation | $1,899,000 | $2,596,000 | $2,698,000 | $2,744,000 |
| Diluted Average Shares | $24,566,658 | $25,223,114 | $25,169,382 | $25,131,195 |
| Basic Average Shares | $24,471,179 | $25,193,848 | $25,169,382 | $25,131,195 |
| Diluted NI Availto Com Stockholders | $20,287,000 | $15,260,000 | $21,948,000 | $10,279,000 |
| Tax Provision | $6,202,000 | $4,149,000 | $5,907,000 | $3,059,000 |
| Impairment Of Capital Assets | $2,000,000 | - | - | - |
| Gain On Sale Of Security | $0 | $-4,910,000 | $374,000 | $1,000 |
| Selling General And Administration | $36,868,000 | $31,957,000 | $30,011,000 | $22,930,000 |
| Insurance And Claims | $1,907,000 | $2,003,000 | $1,765,000 | $1,584,000 |
| Salaries And Wages | $33,950,000 | $29,225,000 | $27,421,000 | $20,826,000 |
| Occupancy And Equipment | $7,620,000 | $7,461,000 | $7,249,000 | $7,268,000 |
| Other Special Charges | - | $-5,950,000 | - | $1,200,000 |
| Other Gand A | - | - | - | $4,067,000 |
Fetched: 2026-06-20
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $311,551,000 | $282,698,000 | $255,805,000 | $231,334,000 |
| Total Assets | $2,150,684,000 | $1,895,404,000 | $1,856,191,000 | $1,964,229,000 |
| Goodwill And Other Intangible Assets | $12,310,000 | $13,830,000 | $10,895,000 | $11,293,000 |
| Other Intangible Assets | $2,711,000 | $2,951,000 | $2,096,000 | $2,494,000 |
| Receivables | $8,889,000 | $7,559,000 | $7,194,000 | $4,623,000 |
| Accounts Receivable | $8,889,000 | $7,559,000 | $7,194,000 | $4,623,000 |
| Cash And Cash Equivalents | $130,875,000 | $151,552,000 | $148,311,000 | $372,594,000 |
| Cash Financial | $29,835,000 | $36,937,000 | $33,584,000 | $29,831,000 |
| Cash Cash Equivalents And Federal Funds Sold | $133,675,000 | $165,190,000 | $150,478,000 | $376,060,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $1,826,823,000 | $1,598,876,000 | $1,589,491,000 | $1,721,602,000 |
| Equity | ||||
| Common Stock Equity | $323,861,000 | $296,528,000 | $266,700,000 | $242,627,000 |
| Total Equity Gross Minority Interest | $323,861,000 | $296,528,000 | $266,700,000 | $242,627,000 |
| Stockholders Equity | $323,861,000 | $296,528,000 | $266,700,000 | $242,627,000 |
| Other Equity Interest | $-8,868,000 | $-9,892,000 | $-10,573,000 | $-11,256,000 |
| Gains Losses Not Affecting Retained Earnings | $14,033,000 | $4,942,000 | $-9,568,000 | $-11,180,000 |
| Other Equity Adjustments | $14,033,000 | $4,942,000 | $-9,568,000 | $-11,180,000 |
| Retained Earnings | $203,045,000 | $187,731,000 | $173,038,000 | $151,090,000 |
| Other | ||||
| Treasury Shares Number | $661,913 | $738,287 | $789,203 | - |
| Ordinary Shares Number | $24,410,301 | $25,523,006 | $25,188,476 | $25,977,679 |
| Share Issued | $25,072,214 | $26,261,293 | $25,977,679 | $25,977,679 |
| Tangible Book Value | $311,551,000 | $282,698,000 | $255,805,000 | $231,334,000 |
| Additional Paid In Capital | $115,400,000 | $113,484,000 | $113,543,000 | $113,713,000 |
| Capital Stock | $251,000 | $263,000 | $260,000 | $260,000 |
| Common Stock | $251,000 | $263,000 | $260,000 | $260,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Investments And Advances | $261,952,000 | $282,499,000 | $458,029,000 | $507,781,000 |
| Held To Maturity Securities | $41,521,000 | $25,090,000 | $23,949,000 | $23,952,000 |
| Available For Sale Securities | $166,065,000 | - | $2,413,000 | $2,039,000 |
| Goodwill | $9,599,000 | $10,879,000 | $8,799,000 | $8,799,000 |
| Net PPE | $35,576,000 | $40,105,000 | $41,617,000 | $38,018,000 |
| Accumulated Depreciation | $-22,198,000 | $-21,057,000 | $-19,932,000 | $-18,796,000 |
| Gross PPE | $57,774,000 | $61,162,000 | $61,549,000 | $56,814,000 |
| Leases | $2,659,000 | $2,901,000 | $2,877,000 | $3,270,000 |
| Construction In Progress | $763,000 | $244,000 | $290,000 | $153,000 |
| Other Properties | $4,040,000 | $5,755,000 | $6,056,000 | - |
| Machinery Furniture Equipment | $16,992,000 | $15,620,000 | $15,504,000 | $16,584,000 |
| Buildings And Improvements | $27,599,000 | $29,964,000 | $30,144,000 | $30,129,000 |
| Land And Improvements | $5,721,000 | $6,678,000 | $6,678,000 | $6,678,000 |
| Other Short Term Investments | $54,366,000 | $257,409,000 | $431,667,000 | $481,790,000 |
Fetched: 2026-06-20
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $8,800,000 | $23,009,000 | $25,818,000 | $49,187,000 |
| Operating Activities | ||||
| Operating Cash Flow | $11,117,000 | $23,847,000 | $26,269,000 | $49,967,000 |
| Cash Flow From Continuing Operating Activities | $11,117,000 | $23,847,000 | $26,269,000 | $49,967,000 |
| Operating Gains Losses | $-183,000 | $5,207,000 | $-376,000 | $-279,000 |
| Investing Activities | ||||
| Capital Expenditure | $-2,317,000 | $-838,000 | $-451,000 | $-780,000 |
| Investing Cash Flow | $-125,789,000 | $-18,048,000 | $-114,873,000 | $-148,032,000 |
| Cash Flow From Continuing Investing Activities | $-125,789,000 | $-18,048,000 | $-114,873,000 | $-148,032,000 |
| Net Other Investing Changes | $995,000 | $-2,244,000 | $1,038,000 | $124,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-11,294,000 | $-1,075,000 | $0 | - |
| Financing Cash Flow | $151,826,000 | $8,913,000 | $-136,978,000 | $149,162,000 |
| Cash Flow From Continuing Financing Activities | $151,826,000 | $8,913,000 | $-136,978,000 | $149,162,000 |
| Net Other Financing Charges | $-895,000 | $-124,000 | $-734,000 | - |
| Net Common Stock Issuance | $-11,294,000 | $-1,075,000 | $0 | - |
| Issuance Of Capital Stock | - | - | - | - |
| Common Stock Issuance | - | - | - | - |
| Other | ||||
| Repayment Of Debt | $-88,000 | $-102,000 | $-114,000 | $0 |
| Issuance Of Debt | $10,000,000 | - | - | - |
| Interest Paid Supplemental Data | $30,024,000 | $21,751,000 | $5,435,000 | $1,461,000 |
| Income Tax Paid Supplemental Data | $9,250,000 | $5,000,000 | $4,800,000 | $1,500,000 |
| End Cash Position | $133,675,000 | $165,190,000 | $150,478,000 | $376,060,000 |
| Beginning Cash Position | $96,521,000 | $150,478,000 | $376,060,000 | $324,963,000 |
| Changes In Cash | $37,154,000 | $14,712,000 | $-225,582,000 | $51,097,000 |
| Proceeds From Stock Option Exercised | $76,000 | - | - | - |
| Common Stock Payments | $-11,294,000 | $-1,075,000 | $0 | - |
| Net Issuance Payments Of Debt | $9,912,000 | $-102,000 | $-114,000 | $0 |
| Net Long Term Debt Issuance | $9,912,000 | $-102,000 | $-114,000 | $0 |
| Long Term Debt Payments | $-88,000 | $-102,000 | $-114,000 | $0 |
| Long Term Debt Issuance | $10,000,000 | - | - | - |
| Net Investment Purchase And Sale | $94,571,000 | $187,071,000 | $46,241,000 | $-246,038,000 |
| Sale Of Investment | $233,531,000 | $223,812,000 | $190,492,000 | $114,574,000 |
| Purchase Of Investment | $-138,960,000 | $-36,741,000 | $-144,251,000 | $-360,612,000 |
| Net Business Purchase And Sale | $-480,000 | $-1,980,000 | $0 | $-1,657,000 |
| Purchase Of Business | $-480,000 | $-1,980,000 | $0 | $-1,657,000 |
| Net PPE Purchase And Sale | $-2,317,000 | $-838,000 | $-451,000 | $410,000 |
| Sale Of PPE | $0 | $0 | $0 | $1,190,000 |
| Purchase Of PPE | $-2,317,000 | $-838,000 | $-451,000 | $-780,000 |
| Change In Working Capital | $-13,704,000 | $-841,000 | $778,000 | $34,653,000 |
| Change In Other Working Capital | $-6,000 | $20,000 | $21,000 | - |
| Change In Other Current Liabilities | $-10,471,000 | $-2,488,000 | $-426,000 | $13,583,000 |
| Change In Other Current Assets | $-2,275,000 | $1,992,000 | $3,754,000 | $21,647,000 |
| Change In Receivables | $-952,000 | $-365,000 | $-2,571,000 | $-577,000 |
| Changes In Account Receivables | $-952,000 | $-365,000 | $-2,571,000 | $-577,000 |
| Other Non Cash Items | $2,128,000 | $350,000 | $-200,000 | $155,000 |
| Stock Based Compensation | $1,894,000 | $626,000 | $513,000 | $581,000 |
| Asset Impairment Charge | $2,000,000 | - | - | - |
| Amortization Of Securities | $-4,664,000 | $-1,863,000 | $53,000 | $1,676,000 |
| Deferred Tax | $-2,235,000 | $-188,000 | $855,000 | $708,000 |
| Deferred Income Tax | $-2,235,000 | $-188,000 | $855,000 | $708,000 |
| Depreciation Amortization Depletion | $1,899,000 | $2,596,000 | $2,698,000 | $2,744,000 |
| Depreciation And Amortization | $1,899,000 | $2,596,000 | $2,698,000 | $2,744,000 |
| Gain Loss On Investment Securities | $-128,000 | $4,910,000 | $-374,000 | $-1,000 |
| Gain Loss On Sale Of PPE | $4,000 | $288,000 | $0 | $-275,000 |
| Net Income From Continuing Operations | $20,287,000 | $15,260,000 | $21,948,000 | $10,279,000 |
Fetched: 2026-06-20