Pioneer Bancorp, Inc. (PBFS) Stock Score, Valuation & Financial Research
Pioneer Bancorp, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 58/100.
Quick answer for PBFS
Pioneer Bancorp, Inc. currently has a Wall Street Score of 58/100. The stored market price is $18.11. Its financial score is 47/100. Its valuation score is 87/100. These figures are a research snapshot, not a buy or sell recommendation.
What Pioneer Bancorp, Inc. does
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 produ
PBFS financial snapshot
- Wall Street Score:
- 58/100
- Current price:
- $18.11
- Market capitalization:
- $454.1M
- Revenue:
- $129.3M
- Net income:
- $19.8M
- Free cash flow:
- $8.8M
- Cash:
- $144.7M
- Total debt:
- $0
- EPS:
- 0.83
- P/E ratio:
- 21.8x
- Financial score:
- 47/100
- Valuation score:
- 87/100
- Revenue score:
- 26/100
What stands out
- Reported year-over-year revenue growth is +0.0%.
- Free cash flow is $8.8M, showing positive cash generation.
- The balance sheet shows $144.7M of cash versus $0 of total debt, leaving more cash than debt.
What the numbers mean
Its current valuation score is 87/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 47/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research PBFS
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.