
Pioneer Bancorp, Inc.
PBFSNASDAQFinancial ServicesBanks - Regional
Previous close
$17.365
+$0.245 · +1.43%
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.
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AI-powered factor overview
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 websitePioneer 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 / TTMValuation & 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
- 0×
- 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.
Income trends
Revenue
Operating income
Net income
| Metric (USD) | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 |
|---|---|---|---|---|---|
| Revenue | 126.67M USD | 88.12M USD | 98.7M USD | 85.18M USD | 57.92M USD |
| Cost of goods sold | 34.08M USD | 16.51M USD | 24.5M USD | 5.49M USD | 914K USD |
| Gross profit | 92.59M USD | 88.12M USD | 74.19M USD | 79.69M USD | 57M USD |
| Selling, general, and administrative | 36.87M USD | 12.65M USD | 31.96M USD | 30.01M USD | 22.93M USD |
| Operating expenses | 66.1M USD | 55.26M USD | 54.78M USD | 51.83M USD | 43.66M USD |
| Interest income | 109.53M USD | 52.85M USD | 88.32M USD | 71.03M USD | 43.84M USD |
| Interest expense | 30.38M USD | 14.16M USD | 21.8M USD | 5.49M USD | 1.46M USD |
| Depreciation and amortization | 1.9M USD | 2.51M USD | 2.6M USD | 2.7M USD | 2.74M USD |
| Operating income | 26.49M USD | 32.86M USD | 19.41M USD | 27.86M USD | 13.34M USD |
| Net income | 20.29M USD | 19.2M USD | 15.26M USD | 21.95M USD | 10.28M USD |
Company facts updated Aug 24, 2026.
Earnings
- Latest EPS result
- 0.14
EPS: actual versus estimate
Recent quarterly results
Revenue: actual versus estimate
Recent quarterly results
PBFS news
PBFS peers
ETFs holding PBFS
Funds reporting this stock among their holdings, ordered by reported position size.
Vanguard Morningstar Total Stock Market ETFVTI6.03M0.00%2.3T USD0.03%$378.24+0.44%
iShares Russell 2000 ETFIWM4.75M0.01%81.62B USD0.19%$299.96+0.77%
Vanguard Extended Market ETFVXF2.08M0.00%93.7B USD0.05%$245.53+0.82%
iShares Russell 2000 Value ETFIWN1.86M0.01%14.66B USD0.24%$224.81+0.45%
EA Bridgeway Omni Small-Cap Value ETFBSVO1.25M0.05%1.71B USD0.47%$29.62+0.85%
Vanguard Russell 2000 ETFVTWO1.03M0.01%17.4B USD0.06%$121.25+0.74%
iShares Micro-Cap ETFIWC627.43K0.04%1.53B USD0.60%$198.39+1.10%
Dimensional - US Core Equity 2 ETFDFAC590.34K0.00%49.31B USD0.17%$45.61+0.46%
Vanguard Morningstar Total Stock Market ETFVTI- Market value
- 6.03M
- Weight
- 0.00%
- AUM
- 2.3T USD
- Expense ratio
- 0.03%
- Price / 1D
- $378.24+0.44%
iShares Russell 2000 ETFIWM- Market value
- 4.75M
- Weight
- 0.01%
- AUM
- 81.62B USD
- Expense ratio
- 0.19%
- Price / 1D
- $299.96+0.77%
Vanguard Extended Market ETFVXF- Market value
- 2.08M
- Weight
- 0.00%
- AUM
- 93.7B USD
- Expense ratio
- 0.05%
- Price / 1D
- $245.53+0.82%
iShares Russell 2000 Value ETFIWN- Market value
- 1.86M
- Weight
- 0.01%
- AUM
- 14.66B USD
- Expense ratio
- 0.24%
- Price / 1D
- $224.81+0.45%
EA Bridgeway Omni Small-Cap Value ETFBSVO- Market value
- 1.25M
- Weight
- 0.05%
- AUM
- 1.71B USD
- Expense ratio
- 0.47%
- Price / 1D
- $29.62+0.85%
Vanguard Russell 2000 ETFVTWO- Market value
- 1.03M
- Weight
- 0.01%
- AUM
- 17.4B USD
- Expense ratio
- 0.06%
- Price / 1D
- $121.25+0.74%
iShares Micro-Cap ETFIWC- Market value
- 627.43K
- Weight
- 0.04%
- AUM
- 1.53B USD
- Expense ratio
- 0.60%
- Price / 1D
- $198.39+1.10%
Dimensional - US Core Equity 2 ETFDFAC- Market value
- 590.34K
- Weight
- 0.00%
- AUM
- 49.31B USD
- Expense ratio
- 0.17%
- Price / 1D
- $45.61+0.46%
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