Pioneer Bancorp, Inc. (PBFS) Stock Price & Analysis
Pioneer Bancorp, Inc. (PBFS) is trading at USD 18.1, up 0.17% today, as of October 29, 2026 at 13:53 UTC (US market open; quotes may be delayed), according to Nexqual market data.
PBFS last closed at USD 18.07; today's session has ranged USD 18.1–18.1 on volume of 7,132 shares. Market capitalization is $437.65M, with a 52-week range of USD 13–19.91 (NCM). Source: Nexqual, retrieved October 29, 2026 at 13:53 UTC.
Also available as compact Markdown for AI agents: nexqual.com/PBFS.md
Key facts (PBFS)
- Last four reported quarters (through Jun 30, 2026): revenue $102M, net income $16.8M (16.5% margin) (SEC filings).
- Valuation: P/E 26.0x (avg 14.4x at the last 3 fiscal year-ends).
- 1 of 80 tracked superinvestors hold PBFS (13F, Q2 2026): 0 new, 0 added, 0 reduced, 1 unchanged.
- Analysts: None.
- Total return with dividends: 1Y +38.6% vs S&P 500 +13.0%; 5Y +43.0% vs S&P 500 +78.9%.
- Next earnings: 2026-10-29, EPS estimate USD —, revenue estimate $0K.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (PBFS)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $57.6M | $56.5M | $79.7M | $82.8M | $96.3M | $102M |
| Net income | $1.1M | $10.3M | $21.9M | $15.3M | $20.3M | $16.8M |
| EPS (diluted) | $0.04 | $0.41 | $0.87 | $0.61 | $0.83 | — |
| Free cash flow | $32.1M | $49.2M | $25.8M | $23.0M | — | — |
| Net margin | 1.9% | 18.2% | 27.5% | 18.4% | 21.1% | 16.5% |
| Revenue growth | -10.7% | -1.9% | +41.2% | +4.0% | — | — |
| Cash + short-term investments | $325M | $376M | $150M | $165M | $134M | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (PBFS)
P/E 26.0x · P/S 4.3x · P/B 1.3x · Earnings yield 3.85%
P/E at fiscal year-ends: Dec 2025 16.3x, Jun 2024 16.5x, Jun 2023 10.3x.
Superinvestors (SEC 13F-HR, Q2 2026) (PBFS)
1 of 80 tracked investors hold PBFS. Each row is the investor's latest 13F; change is vs their prior-quarter share count.
| Investor | Firm | % of portfolio | Value | Change |
|---|---|---|---|---|
| First Pacific Advisors | 0.04% | $2.9M | Unchanged |
Analysts (PBFS)
Consensus None.
Total return (dividends reinvested) (PBFS)
| 1Y (from 2025-10-29) | 5Y (from 2021-10-25) | |
|---|---|---|
| Total return | +38.6% | +43.0% |
| S&P 500 (SPY) | +13.0% | +78.9% |
| Per year | +38.6% | +7.4% |
| Volatility (annualized) | 24.3% | 22.1% |
| Max drawdown | -10.4% (Dec 2025→Jan 2026) | -38.7% (Nov 2021→Nov 2023) |
PBFS recent SEC filings (last 120 days)
| Filed | Form | What it says |
|---|---|---|
| Aug 10, 2026 | 10-Q | Quarterly report · period ended Jun 30, 2026 |
| Aug 10, 2026 | 8-K/A | Current report |
| Jul 30, 2026 | 8-K | Quarterly results |
| Jul 29, 2026 | 8-K | Other material event “On July 29, 2026, Pioneer Bancorp, Inc. ("Pioneer"), a leading financial institution in New York's Capital Region, announced it has acquired The College Advisor of New York, a specialized firm that helps families navigate the college search and admissions process with personalized guidance, hands on support, and assistance identifying colleges that are the right academic, personal, and financial fit. Dr. Dean Skarlis, founder and president of The College Advisor of New York, will lead Pioneer's newly launched…” |
| Jul 23, 2026 | 8-K | Director or executive officer change, or pay arrangement “(d) On July 21, 2026, the Board of Directors of Pioneer Bancorp, Inc. ("Pioneer") appointed Michael T. Keegan to its Board of Directors. Mr. Keegan is a recently retired banking executive with more than four decades of executive leadership experience in commercial banking, community banking, strategic growth, and community development. He most recently served as Senior Executive Vice President and Head of Community Banking at M&T Bank, where he was responsible for advancing community engagement and market-level…” |
Source: SEC EDGAR. Quotes are the opening words of each item as filed; each form links to the filing. Insider Form 4 filings are listed in the insider sections.
PBFS suppliers, customers and competitors (named in its 10-K)
| Relationship | Company | Sentence in the filing |
|---|---|---|
| Customer | Pioneer Insurance Agency | “We believe that there will be opportunities to cross-sell these products to our deposit and borrower customers which may further increase our non-interest income, and also to cross-sell our banking services and products to customers and clients of Pioneer Insurance Agency, Inc., Pioneer Financial Services, Inc., and Pioneer Consulting Solutions, Inc. We intend to consider future acquisition opportunities to expand…” |
| Customer | Pioneer Financial Services | “We believe that there will be opportunities to cross-sell these products to our deposit and borrower customers which may further increase our non-interest income, and also to cross-sell our banking services and products to customers and clients of Pioneer Insurance Agency, Inc., Pioneer Financial Services, Inc., and Pioneer Consulting Solutions, Inc. We intend to consider future acquisition opportunities to expand…” |
| Customer | Pioneer Consulting Solutions | “We believe that there will be opportunities to cross-sell these products to our deposit and borrower customers which may further increase our non-interest income, and also to cross-sell our banking services and products to customers and clients of Pioneer Insurance Agency, Inc., Pioneer Financial Services, Inc., and Pioneer Consulting Solutions, Inc. We intend to consider future acquisition opportunities to expand…” |
| Partner | GE Vernova (GEV) | “Large employers in the Capital Region include GE Vernova, Regeneron Pharmaceuticals, Inc., GlobalFoundries, Albany Med Health System, St. Peter's Health Partners, Northeast Grocery Inc., Rensselaer Polytechnic Institute and the State of New York.” |
| Partner | REGENERON PHARMACEUTICALS, INC. (REGN) | “Large employers in the Capital Region include GE Vernova, Regeneron Pharmaceuticals, Inc., GlobalFoundries, Albany Med Health System, St. Peter's Health Partners, Northeast Grocery Inc., Rensselaer Polytechnic Institute and the State of New York.” |
| Partner | GlobalFoundries (GFS) | “Large employers in the Capital Region include GE Vernova, Regeneron Pharmaceuticals, Inc., GlobalFoundries, Albany Med Health System, St. Peter's Health Partners, Northeast Grocery Inc., Rensselaer Polytechnic Institute and the State of New York.” |
| Partner | Homestead Funding | “Beginning in January 2016, we entered into a strategic partnership with Homestead Funding Corp. (the "Mortgage Banking Company"), an unaffiliated mortgage banking company, to outsource our residential mortgage loan originations, underwriting and closing processes.” |
Quoted from the company's 10-K filed Mar 12, 2026.
PBFS company outlook (results filed Jul 30, 2026)
- “On July 16, 2026, Pioneer completed the acquisition of The College Advisor of New York, a specialized firm that helps families navigate the college search and admissions process with personalized guidance, hands on support, and assistance identifying colleges that are the right academic, personal, and financial fit.”
Quoted word-for-word from the SEC 8-K results press release.
PBFS analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter | — | — | — | $0 | — |
| Next quarter | — | — | — | $0 | — |
| Current fiscal year | — | — | — | $0 | — |
| Next fiscal year | — | — | — | $0 | — |
Key Statistics (as of October 29, 2026 at 13:53 UTC)
| Price | USD 18.1 |
|---|---|
| Change | ▲ 0.17% (up) |
| Previous Close | USD 18.07 |
| Open | USD 18.1 |
| Day Range | USD 18.1 – 18.1 |
| 52-Week Range | USD 13 – 19.91 |
| Volume | 7,132 shares |
| Market Cap | $437.65M |
| Exchange | NCM |
Technical Analysis (PBFS)
Nexqual's technical model rates PBFS "STRONG BUY" based on 5 bullish and 0 bearish signals across 128 daily candles, as of October 29, 2026 at 13:53 UTC.
| Overall Signal | STRONG BUY |
|---|---|
| RSI (14) | 55.21 (neutral) |
| vs SMA50 | Above (USD 17.82) |
| MACD | 0.12 (positive) |
Analyst Ratings (PBFS)
Wall Street analysts rate PBFS "None", per Nexqual as of October 29, 2026 at 13:53 UTC.
| Consensus Rating | None |
|---|
Earnings (PBFS)
| Next Earnings Date | 2026-10-29 |
|---|
Source: Nexqual, October 29, 2026 at 13:53 UTC.
Financials & Fundamentals (PBFS)
| Total Revenue | $98.51M |
|---|---|
| Revenue Growth (latest quarter, YoY) | +17.90% |
| Gross Margin | +0.00% |
| Operating Margin | +18.69% |
| Profit Margin | +17.10% |
| ROE | +5.24% |
| Total Cash | $116.93M |
| Total Debt | $8.45M |
Source: Nexqual, October 29, 2026 at 13:53 UTC.
Financial Health Score (PBFS)
Nexqual rates Pioneer Bancorp, Inc.'s overall financial health "Mixed" across five dimensions, as of October 29, 2026 at 13:53 UTC.
| Growth | Strong — Revenue +18% YoY (latest Q) |
|---|---|
| Profitability | Solid — Net margin 17% (last 12 months); banks have no gross margin |
| Balance Sheet | N/A — Not comparable for banks: deposits and customer funds sit on the balance sheet, so cash vs debt does not measure safety (SEC industry: Savings Institutions, Not Federally Chartered) |
| Cash Flow | N/A — Not meaningful for banks and lenders: lending and trading move operating cash flow by billions each year (SEC industry: Savings Institutions, Not Federally Chartered) |
| Efficiency | Mixed — ROE 5%, ROA 0.7% (last 4 quarters, SEC) |
Ownership (PBFS)
| Insider Ownership | +59.38% |
|---|---|
| Institutional Ownership | +23.26% |
| Shares Outstanding | 24.18M |
| Float | 7.53M |
| Short % of Float | +1.34% |
Source: Nexqual, October 29, 2026 at 13:53 UTC.
Leadership (PBFS)
Pioneer Bancorp, Inc. is led by Thomas L. Amell, President, CEO & Director, per Nexqual as of October 29, 2026 at 13:53 UTC.
| President, CEO & Director | Thomas L. Amell |
|---|---|
| Executive VP & CFO | Patrick J. Hughes |
| Senior Vice President of Pioneer Capital Markets, Inc. | Robert Kursar |
| President of Pioneer Capital Markets, Inc. | Peter Brandel |
Major Backers & Investors (PBFS)
Notable institutional backers of Pioneer Bancorp, Inc. include M3F, Inc., Alliancebernstein L.P., Private Capital Management, LLC, according to Nexqual as of October 29, 2026 at 13:53 UTC.
Active Investors
| Investor | Stake |
|---|---|
| M3F, Inc. | 7.49% |
| Alliancebernstein L.P. | 2.11% |
| Private Capital Management, LLC | 1.48% |
| First Pacific Advisors, LP | 0.67% |
| Fidelity | 0.65% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 2.54% |
| Vanguard Group | 1.95% |
| Geode Capital | 1.07% |
| Dimensional Fund Advisors | 0.9% |
| State Street | 0.73% |
Source: Nexqual, October 29, 2026 at 13:53 UTC.
From Pioneer Bancorp, Inc.'s Latest SEC 10-K Filing (filed 2026-03-12)
Key Strengths & Strategy (as disclosed to the SEC)
- We believe that we have developed products and services that will meet the financial needs of our current and future customer base; however, we plan, and believe it is necessary, to expand the range of products and services that we offer to be more competitive in our market area.
- We have developed a program for the retention and management of municipal deposits.
- We believe the variety of deposit accounts we offer allows us to be competitive in obtaining funds and responding to changes in consumer demand.
Partnerships
- Pioneer Financial Services, Inc., a New York corporation and wholly owned subsidiary of the Bank, provides wealth management services to the Bank's customers in partnership with LPL Financial, a registered broker dealer.
- Beginning in January 2016, we entered into a strategic partnership with Homestead Funding Corp. (the "Mortgage Banking Company"), an unaffiliated mortgage banking company, to outsource our residential mortgage loan originations, underwriting and closing processes.
Legal & Regulatory Risks (Item 1A, quoted)
- We are a defendant in a variety of litigation and other actions, which may have a material adverse effect on our financial condition and results of operations.
- Changes in laws and regulations and the cost of compliance with new laws and regulations may adversely affect our operations and our income.
- The monetary policies of the Federal Reserve Board may be affected by certain policy initiatives of the U.S. presidential administration, which has announced tariffs on certain U.S. trading partners and has implemented stricter immigration policies.
- We are subject to the Community Reinvestment Act ("CRA") and fair lending laws, and failure to comply with these laws could lead to material penalties.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| FITB | Fifth Third Bancorp | USD 54.17 | ▲ 1.3% |
| NU | Nu Holdings Ltd. | USD 12.11 | ▲ 1.19% |
| TFC | Truist Financial Corporation | USD 49.15 | ▲ 1.51% |
| DB | Deutsche Bank AG | USD 34.54 | ▲ 3.07% |
| NWG | NatWest Group plc | USD 16.97 | ▼ 1.51% |
| LYG | Lloyds Banking Group Plc | USD 5.26 | ▼ 4.45% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 29, 2026 at 13:53 UTC. This page is informational and not investment advice.
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