Pioneer Bancorp, Inc. (PBFS) — Stock Score Summary

Pioneer Bancorp, Inc. (PBFS) has a MoatMap StockRank of 38/100 based on Quality (35/100), Value (29/100), and Momentum (61/100) factor scores. The current signal is HOLD. Pioneer Bancorp is a small US regional bank lacking scale, pricing power, or a unique technological moat. It offers no thematic alignment and fails to meet our criteria for high-conviction compounders.

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.

Key Financial Metrics

Price$16.54
Market Cap$366M
P/E (TTM)19.68
Price/Book1.20
Return on Equity6.2%
Gross Margin0.0%
Operating Margin24.9%
Revenue Growth8.3%

Pioneer Bancorp, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Pioneer Bancorp, Inc.’s (PBFS) StockRank?
MoatMap’s StockRank for Pioneer Bancorp, Inc. (PBFS) is 38/100, with a Hold signal. It is a composite of Quality (35), Value (29), and Momentum (61) factor ranks across MoatMap’s 19,000+ stock universe.
Does Pioneer Bancorp, Inc. have an economic moat?
Pioneer Bancorp, Inc. (PBFS) has a Quality factor score of 35/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Pioneer Bancorp, Inc. a buy, hold, or sell?
MoatMap’s current signal for Pioneer Bancorp, Inc. (PBFS) is Hold, based on a StockRank of 38/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Pioneer Bancorp, Inc. in?
Pioneer Bancorp, Inc. (PBFS) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).
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