Pioneer Bancorp, Inc. (PBFS)

NASDAQ: PBFS · USD

$18.0

-0.18 (-1.0%)· Recorded snapshot

Market cap	435.7M
Revenue (ttm)	98.5M
Net income (ttm)	16.8M
EPS (ttm)	$0.70
Shares out	24.2M
P/E (trailing)	25.8x
Volume	4,417
Beta	0.42

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 98.5M
Net income (ttm): 16.8M
EPS (ttm): $0.70
P/E (trailing): 25.8x
Market cap: 435.7M

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Zdecydowanie kupuj
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Zdecydowanie kupuj
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Trzymaj

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/En/a

P25 8.7P50 10.4P75 12.8

Trailing P/E25.8

P25 10.7P50 13.5P75 31.8

ROE5.2

P25 4.9P50 11P75 15.4

ROICn/a

P25 -0.7P50 6.7P75 12.6

Benchmarks · 1M

All PBFS indicators

Market & fundamental data

Available fields

214

Groups with data

Currency

USD

Showing 214 of 214 available metrics for this ticker.

Profile and market data

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

Metric	Value
Amount currency	USD
CIK code	0001769663
Company name	Pioneer Bancorp, Inc.
Country	United States
Country code	US
CUSIP number	723561106
Earnings date	2026-11-10
Earnings time	amc
Employees	269
Employees change	-10
Employees growth	-3.58%
Enterprise value	$327.2M
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1889
In index	RUSSELL2000
Industry	Banks - Regional
Is primary listing	Yes
Is SPAC	No
ISIN number	US7235611065
Last 10-K release date	2026-03-12
Last earnings date	2026-07-30
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$435.7M
Market cap category	Small-Cap
Next earnings date	2026-11-10
Options	No
Price	$18.00
Price currency	USD
Sector	Financials
SIC code	6036
Stock price date	2026-10-28
Symbol	PBFS
U.S. state	New York
Website	https://www.pioneerny.com

Valuation

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

Metric	Value
Average P/E ratio (10Y)	43.76x
Average P/E ratio (3Y)	15.97x
Average P/E ratio (5Y)	34.6x
Earnings yield	3.88%
EV/Earnings	19.57x
EV/FCF	14.6x
EV/Sales	3.35x
FCF / EV yield	6.85%
FCF yield	5.15%
Graham number	14.59603
Graham upside	-19.36%
Industry forward P/E	9.95x
Industry P/E	11.8x
Lynch fair value	$17.45
Lynch upside	-3.59%
P/B ratio	1.34x
P/E ratio	25.79x
P/FCF ratio	19.41x
P/OCF ratio	18.2x
P/S ratio	4.45x
Price / tangible book value	1.51x
Sector forward P/E	13.63x
Sector P/E	15.65x

Profitability

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

Metric	Value
Effective tax rate	21.37%
FCF margin	22.91%
Operating margin	24.75%
Pretax margin	21.75%
Profit margin	17.1%
Profit per employee	$62,628
Profitable quarters	20
Profitable years	9
Revenue per employee	$366,223
ROA	0.76%
ROE	5.24%
SBC / revenue	2.1%
Tax / revenue	4.65%

Growth

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

Metric	Value
EPS growth	-20.41%
EPS growth (Q)	-46.15%
EPS growth (QoQ)	-36.22%
EPS growth 3Y	-7.08%
EPS growth 5Y	77.16%
EPS growth years	1
FCF growth	43.19%
FCF growth (Q)	212.49%
FCF growth 3Y	-4.38%
FCF growth 5Y	-6.77%
Net income growth	-22.77%
Net income growth (Q)	-45.99%
Net income growth (QoQ)	-34.14%
Net income growth 3Y	-8.44%
Net income growth 5Y	73.33%
Net income growth years	1
OCF growth	30.89%
OCF growth (Q)	189.37%
OCF growth 3Y	-2.87%
OCF growth 5Y	-5.92%
Revenue growth	10.78%
Revenue growth (Q)	17.95%
Revenue growth (QoQ)	13.18%
Revenue growth 3Y	7.32%
Revenue growth 5Y	12.98%
Revenue growth quarters	10
Revenue growth years	4

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-1.5M
EPS	$0.70
FCF per share	$0.93
Financing cash flow	$217.8M
Free cash flow	$22.6M
Gross profit	$98.5M
Income taxes	$4.6M
Investing cash flow	$-269.3M
Net borrowing	$-39,000
Net cash flow	$-27.5M
Net income	$16.8M
Operating income	$24.4M
Revenue	$98.5M
Stock-based compensation	$2.1M

Financial strength

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

Metric	Value
Book value per share	$13.56
Debt / equity	0.03
Debt / FCF	0.37
Goodwill	$26.6M
Net cash (debt)	$108.5M
Net cash / market cap	24.76%
Net cash growth	-4.34%
Net debt / equity	-0.33
Net debt / FCF	-4.81
Piotroski F-Score	4
Property, plant and equipment	$36M
Shareholders' equity	$328.3M
Tangible book value	$289.5M
Tangible book value per share	$11.96
Total assets	$2.4B
Total cash	$116.9M
Total debt	$8.5M
Total liabilities	$2B
WACC	6.43%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	$-1.9B

Dividends and buybacks

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

Metric	Value
Buyback yield / dilution	2.38%
Dividend yield	0%
Shareholder yield	2.38%

Performance and technicals

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

Metric	Value
150-day SMA	$16.50
1D price change	-0.99%
1M price change	1.64%
1M total return	1.64%
1W price change	0.5%
1W total return	0.5%
1Y price change	36.47%
1Y return CAGR	36.5%
1Y total return	36.47%
20-day SMA	$17.77
200-day SMA	$15.90
3M price change	0.11%
3M total return	0.11%
3Y price change	118.23%
3Y return CAGR	29.7%
3Y total return	118.23%
50-day SMA	$17.80
50-day SMA vs 200-day SMA	50over200
52-week high	$19.91
52-week high date	2026-09-10
52-week low	$12.90
52-week low date	2025-10-29
5Y price change	44.26%
5Y return CAGR	7.61%
5Y total return	44.26%
6M price change	25.86%
6M total return	25.86%
All-time high	$19.91
All-time high date	2026-09-10
All-time low	$7.81
All-time low date	2023-10-30
Average true range (ATR)	$0.39
Average volume	12.6K
Beta (1Y)	-0.08
Beta (2Y)	0.29
Beta (5Y)	0.42
Change from 52-week high	-9.59%
Change from 52-week low	39.54%
Change from all-time high	-9.79%
Change from all-time low	129.96%
Change from open	0.17%
Day's gap	-1.16%
Dollar volume	$79,506
High price	$18.00
Low price	$17.97
Monthly RSI	84.85
Open price	$17.97
Position in 52-week range	100%
Previous close	$18.18
Price vs 150-day SMA	8.84%
Price vs 20-day SMA	1.06%
Price vs 200-day SMA	12.99%
Price vs 50-day SMA	0.92%
Relative volume	0.35
RSI	52.8
Sharpe ratio	1.23
Sharpe ratio (3Y)	0.93
Sharpe ratio (5Y)	0.23
Sortino ratio	2.26
Sortino ratio (3Y)	1.71
Sortino ratio (5Y)	0.57
Volume	4.4K
Weekly RSI	63.47
YTD price change	33.23%
YTD total return	33.23%

Ownership and float

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

Metric	Value
Float	7.5M
Float percentage	31.13%
Shares change (QoQ)	-0.05%
Shares change (YoY)	-2.38%
Shares held by insiders	2.16%
Shares held by institutions	16.06%
Shares outstanding	24.2M
Short % of float	1.68%
Short % of shares	0.52%
Short ratio	7.3 days

Deeper analysis on PBFS

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this PBFS report

Is a complete PBFS research report available?

No complete published report is available for Pioneer Bancorp, Inc. (PBFS) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Pioneer Bancorp, Inc. (PBFS)

Price

Financial snapshot

Fair-value bridge

Latest news · PBFS

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All PBFS indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on PBFS

Frequently asked questions