Pioneer Bancorp, Inc.
PBFS · Price history
Price at last available close
$18.02
+$0.30 (+1.72%) 1M
2026-10-28
Tap or drag sideways to inspect a price. Use two fingers to compare automatically. Release to scroll. Use Shift + arrow keys to compare with a keyboard.
Company & revenue
About Pioneer Bancorp, Inc.
Primary reporting period: 2026-06-30 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
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.
How they make money
Pioneer Bancorp, Inc. operates as a financial institution that generates revenue primarily through net interest income earned on loans and investment securities, as well as non-interest income from deposit services, wealth management, and financial advisory services. The company manages interest rate risk and credit risk while leveraging its branch network in New York's Capital Region to attract deposits and provide lending solutions to retail, commercial, and municipal clients.
Products & services
The company provides a broad array of financial services including deposit accounts, commercial and retail lending, and wealth management services such as investment advice, retirement income planning, estate planning, business succession, and employer retirement planning.
Brands & revenue mix
No separate brand or brand-level revenue disclosure was confirmed in the reviewed sources. This does not mean the company has no brands.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer concentration
The company reports that its deposit base is diversified across retail, commercial, and municipal customer segments as of the period ending March 31, 2026.
Suppliers, materials & equipment
- Financial technology service providers — The company relies on various third-party vendors for core banking systems and financial technology infrastructure.Source
Strengths
- Strong relationship-based business model focused on client advocacySource
Risks
- Interest rate risk and credit risk associated with lending activitiesSource
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
54
Fair
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
63
Fair
Financial Strength
87
Business Quality / Moat
40
Management
73
Growth Quality
40
Risk / Durability
64
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
53
Avoid
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
50/100
Building Historical Record
Model Score 50/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is mixed across its combined quality, valuation and risk inputs. Review the category scores to identify what is helping or hurting the result.
At today’s price, the WSS valuation framework currently reads as moderate rather than unusually attractive.
The model outlook is currently moderate.
- •Balance-sheet / debt profile scores strongly
- •Valuation scores attractively
- •Recent buyback activity is present
- •Debt service risk
- •Revenue fundamentals are weak
Company-specific research
Questions worth answering for PBFS
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can PBFS maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is PBFS's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •How is PBFS likely to use its cash advantage: reinvestment, acquisitions, debt reduction, dividends or buybacks?
- •Is PBFS's valuation discount tied to a temporary concern or to a longer-term business risk?
Essential Investment Snapshot
Wall Street Score
54
Opportunity Score
53
Market Cap
$447.8M
P/E Ratio
25.5
EPS
$0.70
52-Week High
$19.91
52-Week Low
$12.64
Beta
0.42
Intrinsic Value
$25.75
Shares Outstanding
24.6M
Total Revenue
$134.9M
Total Debt
$0
Dividend
No current dividend
Liquidation Value / Share
$13.38
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Neutral / mixed momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for PBFS
Detected from reported data — verify before acting.Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Debt service risk
Interest coverage is low (~0.9x). Earnings may be strained to cover interest expense.
Community Sentiment
0 active · 0 total callsNo personal call yet on PBFS.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Strong relationship-based business model focused on client advocacy.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Banks - Regional industry.
- −Interest rate risk and credit risk associated with lending activities.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
3 historical score records availablePrevious Score
55
Oct 1, 2026
Change
-0.4
points
Current Score
54
Oct 12, 2026
Category Changes
PBFS decreased 0.4 points because some fundamentals weakened.
Projected Score
Projected Score
48
Projected Change
-6.8 points
Preliminary comparable-period financial changes suggest decline of approximately 6.8 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
UndervaluedCurrent Price
$18.02
Model Intrinsic Value
$25.75
Difference
−$7.72
-30.0% vs IV
Margin of Safety
30.0%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2026 | 2025 | 2024 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $134.9M | $126.7M | $126.7M | $88.1M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $36.3M | $34.1M | $34.1M | $16.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $98.5M | $92.6M | $92.6M | $88.1M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $36.9M | $36.9M | $36.9M | $12.6M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $77.1M | $66.1M | $66.1M | $55.3M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $23.8M | $28.4M | $28.4M | $2.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $21.4M | $26.5M | $26.5M | $32.9M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $30.4M | $30.4M | $30.4M | $14.2M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $21.4M | $26.5M | $26.5M | $24.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $4.6M | $6.2M | $6.2M | $5.6M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $16.8M | $20.3M | $20.3M | $19.2M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $0.70 | $0.83 | $0.83 | $0.76 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 24.33M | 24.47M | 24.47M | 25.10M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 24.33M | 24.57M | 24.57M | 25.10M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$37.3M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$0.14
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
Not available
Cash Change
+9.6%
Margin Change
-10.9 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Cash position grew
What Weakened
- Margins contracted
Potential Score Impact
Positive indicators included revenue growth, cash levels. Pressure indicators included EPS growth, net income margin. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 17.4%. EPS declined 46.2%. Cash increased 9.6%. Net income margin declined by 10.9 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
23
Smart Money
23
Number of Gurus
1
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Dividend data is not available yet. Missing data does not mean this company pays no dividend.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
3 historical recordsHistorical Score Chart
3 of 3 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
Banks - RegionalNews
Head to Head Analysis: Grupo Financiero Galicia (NASDAQ:GGAL) & Pioneer Bancorp (NASDAQ:PBFS)
BY vs. PBFS: Which Bank Stock Carries Lower Debt Burden?
Pioneer Bancorp Q2 Earnings Fall Y/Y as Expenses Offset Income Growth
Rumor Mill · PBFS
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
Related Stock Research
Continue researching this company with related Wall Street Score rankings and investing guides.
Score Alerts
Premium unlocks alerts when a score rises, falls, or reaches your target price.
Start 7-Day Free TrialPortfolio Score
Premium unlocks portfolio scoring, strongest and weakest holdings, and overall margin of safety.
Start 7-Day Free Trial