Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
PBFS
HOLDPioneer Bancorp, Inc. · Financial Services · United States · $445M · Avg Vol: $348K/d
COMPANY DESCRIPTION
Pioneer Bancorp, Inc. is the holding company for Pioneer Bank, a community bank primarily serving the Capital Region of New York with a full suite of retail and commercial banking services. The bank maintains a competitive position by fostering strong local relationships and offering personalized service within its regional market. It operates as a traditional community financial institution.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM |
|---|---|---|---|---|---|---|
| Revenue | 56.5M | 79.7M | 76.9M | 96.3M | 19.5% | 94.4M |
| EPS | 0.41 | 0.87 | 0.61 | 0.83 | 26.5% | 0.82 |
| Shares | 26.0M | 25.2M | 25.5M | 24.4M | -6.0% | 25.1M |
| Debt | — | — | — | — | — | — |
| Equity | 242.6M | 266.7M | 296.5M | 323.9M | 10.1% | — |
| Op CF | 50.0M | 26.3M | 23.8M | 11.1M | -39.4% | 14.5M |
| Inv CF | -148.0M | -114.9M | -18.0M | -125.8M | — | — |
| Fin CF | 149.2M | -137.0M | 8.9M | 151.8M | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of PBFS are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| PBFS | Pioneer Bancorp, Inc.(you) | $445M | 48 | HOLD |
| AVBC | Avidia Bancorp, Inc. | $400M | 47 | HOLD |
| CZNC | Citizens & Northern Corporation | $436M | 46 | HOLD |
| BSVN | Bank7 Corp. | $471M | 51 | HOLD |
| HIFS | Hingham Institution for Savings | $614M | 48 | HOLD |
| MVBF | MVB Financial Corp. | $374M | 52 | HOLD |
| CHMG | Chemung Financial Corporation | $390M | 55 | HOLD |
| BMRC | Bank of Marin Bancorp | $466M | 37 | HOLD |
| AVBH | Avidbank Holdings, Inc. | $349M | 39 | HOLD |
| FBLA | FB Bancorp, Inc. | $251M | 45 | HOLD |
Peer medians: ROE 9.5% · P/E 13.9x · Gross margin 100.0%