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PBFS

HOLD

Pioneer Bancorp, Inc. · Financial Services · United States · $445M · Avg Vol: $350K/d

48
StockRank
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Q
46
V
32
M
64
P/E (TTM)
21.0x
ROE
6.2%
D/E
Dividend %

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)

Year2022202320242025CAGRTTM
Revenue56.5M79.7M76.9M96.3M19.5%94.4M
EPS0.410.870.610.8326.5%0.82
Shares26.0M25.2M25.5M24.4M-6.0%25.1M
Debt
Equity242.6M266.7M296.5M323.9M10.1%
Op CF50.0M26.3M23.8M11.1M-39.4%14.5M
Inv CF-148.0M-114.9M-18.0M-125.8M
Fin CF149.2M-137.0M8.9M151.8M
Loading 1Y...
PRICE (1Y)+7.7%
16.5516.9217.2817.6518.02Jun 15Jul 8Jul 28
SMA 50SMA 200
Close
$18.02
RSI (14)
75.4
52W High
$19.42
From 52W High
0.9%

SCORE BREAKDOWN

Quality
46
ROIC (ROA)
0.9%*35.0
ROE
6.2%30.9
GP/Assets
4.4%N/A
Op. Margin
24.9%43.8
FCF/Assets
0.6%N/A
Piotroski
577.0
Int. Cover
50.0
D/E Ratio
bankN/A
Current Ratio
bankN/A
Value
32
P/E (TTM)
21.0x22.8
EV/EBITDA
bankN/A
P/FCF
34.5xN/A
P/B
1.3x43.9
P/S
4.6x40.6
Div Yield
N/A
Momentum
64
52W High %
93%49.3
RS 6M
24%91.1
SMA 50/200
1.14x85.0
EPS Rev 4W
N/A
EPS Rev 12W
N/A
EPS Improve
N/A
Q Growth
-8%22.5

FUNDAMENTALS

Market Cap
$445M
P/E (Forward)
Gross Margin

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of PBFS are excluded.

TickerCompanyMkt CapStockRankSignal
PBFSPioneer Bancorp, Inc.(you)$445M48HOLD
CZNCCitizens & Northern Corporation$436M47HOLD
AVBCAvidia Bancorp, Inc.$400M53HOLD
BSVNBank7 Corp.$471M54HOLD
HIFSHingham Institution for Savings$614M51HOLD
CHMGChemung Financial Corporation$390M56HOLD
MVBFMVB Financial Corp.$374M57HOLD
AVBHAvidbank Holdings, Inc.$349M41HOLD
FBLAFB Bancorp, Inc.$251M44HOLD
OVBCOhio Valley Banc Corp.$199M49HOLD

Peer medians: ROE 9.5% · P/E 13.9x · Gross margin 100.0%

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

Pioneer Bancorp, Inc. (PBFS) has a MoatMap StockRank of 48/100 based on Quality (46/100), Value (32/100), and Momentum (64/100) factor scores. The current signal is HOLD.

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$18.02
Market Cap$445M
P/E (TTM)20.98
Price/Book1.28
Return on Equity6.2%
Operating Margin24.9%
Revenue Growth8.3%
Free Cash Flow$13M

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 48/100, with a Hold signal. It is a composite of Quality (46), Value (32), and Momentum (64) factor ranks across MoatMap’s 20,000+ stock universe.
Does Pioneer Bancorp, Inc. have an economic moat?
Pioneer Bancorp, Inc. (PBFS) has a Quality factor score of 46/100. 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 48/100. 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).