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Pioneer Bancorp, Inc. (PBFS)

NASDAQ: PBFS · USD

$17.6

-0.13 (-0.7%)· Recorded snapshot

Coverage state: Market snapshot only — no published research

Market snapshot recorded 2026-07-31 02:00 UTC. No published research is attached to this ticker. Prices and fundamentals on this server-rendered page are dated snapshots, not a real-time trading feed.

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Market cap	430.7M
Revenue (ttm)	94.4M
Net income (ttm)	19.8M
EPS (ttm)	$0.82
Shares out	24.4M
P/E (trailing)	21.6x
Volume	5,929
Beta	0.40

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 94.4M
Net income (ttm): 19.8M
EPS (ttm): $0.82
P/E (trailing): 21.6x
Market cap: 430.7M

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AXP	American Express Company	227.9B	20.5x	3.2x	11.9%	+13.2%	+10.6%	Reduce
BAC	Bank of America Corporation	433.2B	14.3x	3.8x	—	+5.6%	+31.5%	Reduce
BK	The Bank of New York Mellon Corporation	—	—	—	—	—	—	Reduce

All PBFS indicators

Market & fundamental data

Available fields

204

Groups with data

Currency

USD

Showing 204 of 204 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Cik	0001769663
Company name	Pioneer Bancorp, Inc.
Country	United States
Country code	US
Cusip	723561106
Employees	269
Employees Change	-10%
Employees Change Percent	-3.58
Enterprise value	$272.4M
Exchange	NASDAQ
Financial currency	USD
First seen	2026-05-09
Industry	Banks - Regional
Industry PE	13.13
Industry PE Fwd	10.93
Isin	US7235611065
Last refreshed	2026-07-31
Market cap	$430.7M
Market cap category	Small-Cap
Price	$17.63
Price currency	USD
Rev Per Employee	350,973.98x
Sector	Financials
Sector PE	16.95
Sector PE Fwd	14.53
Sic	6036
Symbol	PBFS
Website	https://www.pioneerny.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	4.61%
EV Earnings	13.75x
EV/FCF	21.12x
EV/Sales	2.88x
FCF yield	3%
P/B ratio	1.31x
P/E ratio	21.56x
P/S ratio	4.56x
PE Ratio10 Y	44.44x
PE Ratio3 Y	14.71x
PE Ratio5 Y	47.33x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
FCF margin	13.66%
Gross Profit	$94.4M
Net Income	$19.8M
Net Income Growth	2.7%
Net Income Growth Q	-8.21%
Net Income Growth Years	1%
Net Income Growth3 Y	0.02%
Net Income Growth5 Y	26.54%
Pretax Margin	26.24%
Profit Margin	20.99%
Profit Per Employee	$73,658
Profitable Quarters	$19
Profitable Years	9
ROA	0.92
ROE	6.2

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr1y	44.31%
Cagr3y	21.45%
Cagr5y	8.79%
EPS Growth	6.11
EPS Growth Q	-4.57
EPS Growth Years	1
EPS Growth3 Y	1.25
EPS Growth5 Y	27.75
FCF Growth	-35.69%
FCF Growth3 Y	-27.49%
FCF Growth5 Y	-18.63%
OCF Growth	-35.26%
OCF Growth3 Y	-24.85%
OCF Growth5 Y	-16.95%
Revenue Growth	9.52x
Revenue Growth Q	8.27x
Revenue Growth Quarters	9x
Revenue Growth Years	4x
Revenue Growth3 Y	7.28x
Revenue Growth5 Y	12.37x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Assets	$2.2B
Cash	$165.5M
Debt	$7.7M
Debt FCF	$0.59
Equity	$328.6M
Liabilities	$1.9B
Net Cash	$157.8M
Net Cash By Market Cap	$36.68
Net Cash Growth	22.42%
Net Debt Equity	$-0.48
Net Debt FCF	$-12.24
Tangible Book Value	$316.4M
Tangible Book Value Per Share	$12.95
WACC	6.34

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	$-1.7B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	2.66%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
1Y total return	44.27%
200-day SMA	14.57
3Y total return	79.17%
50-day SMA	16.66
50-day SMA vs 200-day SMA	50over200
5Y total return	52.38%
All Time High	19.42
All Time High Change	-9.22%
All Time High Date	2026-06-22
All Time Low	7.81
All Time Low Change	125.74%
All Time Low Date	2023-10-30
ATR	0.52
Beta	0.4
Beta1y	0.03
Beta2y	0.32
Ch YTD	30.79
High	17.83
High52	19.42
High52 Date	2026-06-22
High52ch	-9.22%
Low	17.5
Low52	12.01
Low52 Date	2025-07-30
Low52ch	46.79%
Ma50ch	5.84%
Price vs 200-day SMA	21.04%
RSI	59.43
RSI Monthly	83.9
RSI Weekly	80.71
Sharpe ratio	1.47x
Sortino ratio	2.67
Total Return	2.66%
Tr YTD	30.79
Tr1m	3.71%
Tr1w	2.03%
Tr3m	25.48%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	$27.7M
Operating margin	29.34

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	7,549,696%
Float Percent	30.91%
Net Borrowing	-69,000
Shares Insiders	2.12%
Shares Institutions	15.7%
Shares Out	24,427,617
Shares Qo Q	0.21%
Shares Yo Y	-2.66%
Short Float	1.51%
Short Ratio	5
Short Shares	0.47

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Average Volume	10,764.2x
Bv Per Share	13.45
CAPEX	$-1.6M
Ch1m	3.71
Ch1w	2.03
Ch1y	44.27
Ch3m	25.48
Ch3y	79.17
Ch5y	52.38
Ch6m	26.02
Change	-0.73%
Change From Open	-1.12
Close	17.76
Days Gap	0.39
Dollar Volume	104,528.3
Earnings Date	2026-08-11
Earnings Time	amc
EPS	$0.82
F Score	3
FCF	$12.9M
FCF EV Yield	4.73x
FCF Per Share	$0.53
Financing CF	120,893,000
Fiscal Year End	December
Founded	1,889
Goodwill	9,599,000
Graham Number	15.72153
Graham Upside	-10.72
Income Tax	$5M
Investing CF	-118,064,000
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-05-11
Last Report Date	2026-03-31
Last Split Type	Never
Last10k Filing Date	2026-03-12
Lynch Fair Value	$20.42
Lynch Upside	15.94
Ma150	14.94
Ma150ch	18.02%
Ma20	17.27
Ma20ch	2.11%
Net CF	17,311,000
Next Earnings Date	2026-08-11
Open	17.83
Optionable	No
P FCF Ratio	33.36
P OCF Ratio	29.7
Position In Range	39.39
Post Close	17.63
Postmarket Change Percent	-0.11
Postmarket Price	$17.61
Ppne	36,092,000
Price Date	2026-07-30
Ptbv Ratio	1.36
Relative Volume	0.55x
Revenue	94,412,000x
SBC By Revenue	2.05x
Share Based Comp	1,934,000
Tax By Revenue	5.26x
Tax Rate	20.03%
Tr6m	26.02%
Us State	New York
Volume	5,929

Pioneer Bancorp, Inc. (PBFS)

Coverage state: Market snapshot only — no published research

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Profile and market data

Valuation

Profitability

Growth

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Analyst estimates

Ownership and float

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