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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%	强力买入
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	强力买入
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	持有

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

Metric

Value

Amount currency

USD

CIK code

0001769663

Company name

Pioneer Bancorp, Inc.

Country

United States

Country code

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

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

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

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

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

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%

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

Profitable years

Revenue per employee

$366,223

ROA

0.76%

ROE

5.24%

SBC / revenue

2.1%

Tax / revenue

4.65%

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

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

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

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

Revenue growth years

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

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

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%

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

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%

Metric	Value
Working capital	$-1.9B

Metric

Value

Working capital

$-1.9B

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

Metric

Value

Buyback yield / dilution

2.38%

Dividend yield

Shareholder yield

2.38%

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%

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%

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

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

Pioneer Bancorp, Inc. (PBFS)

Price

Financial snapshot

Fair-value bridge

Latest news · PBFS

Valuation

Profitability

Balance sheet

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Sector percentile context

All PBFS indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

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Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on PBFS

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