Pioneer Bancorp, Inc. logo

Pioneer Bancorp, Inc.

PBFS

NASDAQFinancial ServicesBanks - Regional

Previous close

$17.365

+$0.245 · +1.43%

Aug 21, 4:00 PM ET

Pre-market

$17.25

−$0.115 · -0.66%

Aug 24, 4:06 AM ET

PBFS company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

89

Deep Value

Momentum

52

Neutral

Sentiment

57

Mixed

Risk resilience

63

Moderate Risk

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Company profile

Company website

Pioneer Bancorp, Inc., founded in 1889 and based in Albany, New York, serves as the holding company for Pioneer Savings Bank. It offers a wide spectrum of financial products and services throughout New York. The company's banking services include various deposit options such as checking, savings, and money market accounts, as well as certificates of deposit. Its lending portfolio spans commercial real estate, commercial and industrial financing, commercial construction, residential mortgages for one-to-four family homes, home equity loans, home equity lines of credit, and consumer loans. Beyond traditional banking, Pioneer Bancorp allocates capital to U.S. governmental securities, fixed-rate collateralized mortgage obligations, mortgage-backed securities, investment-grade bonds with fixed rates, and equity securities. The organization also extends its offerings to include insurance products, providing coverage for homeowners, automobiles, and comprehensive business needs. Additionally, it delivers employee benefit solutions, encompassing group health, dental, disability, and life insurance, alongside administrative services for defined contribution and benefit plans, and human resource management. Wealth management services are also available, comprising investment guidance, retirement income and estate planning, business succession strategies, and employer retirement program development. With a network of 22 retail banking branches, the company serves clients across Albany, Greene, Rensselaer, Saratoga, Schenectady, and Warren Counties in New York. Pioneer Bancorp, Inc. operates as a subsidiary of Pioneer Bancorp, MHC.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Thomas L. Amell
Listed since
Jul 18, 2019
Employees
269

Market position

Day range

Current $17.365

52-week range

Current $17.365

Open
$17.28
Previous close
$17.12
Volume
12.67K
0.77× average
Average volume
16.51K
Average daily volume
Market cap
435.46M USD
Beta
0.4
Market reference 1
50-day average
$17.1757
+1.10% above average
200-day average
$14.8966
+16.57% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
199M USD
P/E (TTM)
24.81×
P/B (TTM)
1.29×
P/S (TTM)
3.23×
EV / EBITDA
7.01×
Earnings yield
6.15%
Free cash flow yield
2.67%
Dividend yield
0.00%

Profitability & efficiency

Gross margin
73.05%
Operating margin
19.02%
Net margin
12.49%
Return on equity
6.26%
Return on assets
0.94%
Return on invested capital
5.04%

Financial health

Debt / equity
Current ratio
0.11×
Altman Z-score
-0.52
Piotroski F-score
6 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends108%75%41%7%Gross margin, FY2022: 98.42%Gross margin, FY2023: 93.55%Gross margin, FY2024: 75.17%Gross margin, FY2025: 100.00%Gross margin, FY2026: 73.10%Operating margin, FY2022: 23.03%Operating margin, FY2023: 32.70%Operating margin, FY2024: 19.67%Operating margin, FY2025: 37.29%Operating margin, FY2026: 20.91%Net margin, FY2022: 17.75%Net margin, FY2023: 25.77%Net margin, FY2024: 15.46%Net margin, FY2025: 21.79%Net margin, FY2026: 16.02%FY2022FY2023FY2024FY2025FY2026
Gross margin FY2022 98.42%. Gross margin FY2023 93.55%. Gross margin FY2024 75.17%. Gross margin FY2025 100.00%. Gross margin FY2026 73.10%. Operating margin FY2022 23.03%. Operating margin FY2023 32.70%. Operating margin FY2024 19.67%. Operating margin FY2025 37.29%. Operating margin FY2026 20.91%. Net margin FY2022 17.75%. Net margin FY2023 25.77%. Net margin FY2024 15.46%. Net margin FY2025 21.79%. Net margin FY2026 16.02%.

Income trends

Revenue

126.67M USD+43.75%

Operating income

26.49M USD-19.38%

Net income

20.29M USD+5.66%
Income trends across reported periods138.31M USD91.75M USD45.2M USD−1.36M USDRevenue, FY2022: 57.92M USDRevenue, FY2023: 85.18M USDRevenue, FY2024: 98.7M USDRevenue, FY2025: 88.12M USDRevenue, FY2026: 126.67M USDOperating income, FY2022: 13.34M USDOperating income, FY2023: 27.86M USDOperating income, FY2024: 19.41M USDOperating income, FY2025: 32.86M USDOperating income, FY2026: 26.49M USDNet income, FY2022: 10.28M USDNet income, FY2023: 21.95M USDNet income, FY2024: 15.26M USDNet income, FY2025: 19.2M USDNet income, FY2026: 20.29M USDFY2022FY2023FY2024FY2025FY2026
Revenue FY2022 57.92M USD. Revenue FY2023 85.18M USD. Revenue FY2024 98.7M USD. Revenue FY2025 88.12M USD. Revenue FY2026 126.67M USD. Operating income FY2022 13.34M USD. Operating income FY2023 27.86M USD. Operating income FY2024 19.41M USD. Operating income FY2025 32.86M USD. Operating income FY2026 26.49M USD. Net income FY2022 10.28M USD. Net income FY2023 21.95M USD. Net income FY2024 15.26M USD. Net income FY2025 19.2M USD. Net income FY2026 20.29M USD.
Metric (USD)FY2026FY2025FY2024FY2023FY2022
Revenue126.67M USD88.12M USD98.7M USD85.18M USD57.92M USD
Cost of goods sold34.08M USD16.51M USD24.5M USD5.49M USD914K USD
Gross profit92.59M USD88.12M USD74.19M USD79.69M USD57M USD
Selling, general, and administrative36.87M USD12.65M USD31.96M USD30.01M USD22.93M USD
Operating expenses66.1M USD55.26M USD54.78M USD51.83M USD43.66M USD
Interest income109.53M USD52.85M USD88.32M USD71.03M USD43.84M USD
Interest expense30.38M USD14.16M USD21.8M USD5.49M USD1.46M USD
Depreciation and amortization1.9M USD2.51M USD2.6M USD2.7M USD2.74M USD
Operating income26.49M USD32.86M USD19.41M USD27.86M USD13.34M USD
Net income20.29M USD19.2M USD15.26M USD21.95M USD10.28M USD

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
0.14

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates0.30.240.170.11Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 12, 2024: actual 0.25, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Jan 30, 2025: actual 0.13, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 9, 2025: actual 0.23, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 8, 2025: actual 0.26, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 7, 2025: actual 0.18, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Jan 30, 2026: actual 0.16, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 11, 2026: actual 0.22, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 10, 2026: actual 0.14, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates38.83M34.89M30.95M27MQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 12, 2024: actual 28.5M USD, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Jan 30, 2025: actual 29.14M USD, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 9, 2025: actual 29.57M USD, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 8, 2025: actual 31.81M USD, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 7, 2025: actual 32.1M USD, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Jan 30, 2026: actual 33.18M USD, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 11, 2026: actual 32.23M USD, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 10, 2026: actual 37.34M USD, estimate —, surprise —, Comparison unavailable.

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