# Pioneer Bancorp, Inc. (PBFS)

> Source: Nexqual · https://nexqual.com/PBFS · data as of 2026-10-29 20:00 UTC · cite as "Nexqual, Pioneer Bancorp, Inc. (PBFS), nexqual.com/PBFS" · informational, not investment advice.

**Price:** USD 18.12 (+0.28% on the day) · last close of Oct 29, 2026; US market closed, not a live price. Prev close 18.07 · day 17.78–18.12 · 52w 13–19.91 · market cap $438M · NCM

## Key facts
- 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 +37.8% vs S&P 500 +14.8%; 5Y +43.1% vs S&P 500 +79.1%.
- Next earnings: 2026-10-29 (date not yet confirmed by the company), EPS estimate USD —, revenue estimate $0K. All companies reporting that day: https://nexqual.com/earnings/2026-10-29
- Dividend: PBFS paid no cash dividend in the last five years.
- Short interest: 1.34% of float (as of 2026-10-15), 7.5 days to cover.

## Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters)
| 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)
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)
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
Consensus None.

## Total return (dividends reinvested)
|  | 1Y (from 2025-10-30) | 5Y (from 2021-10-25) |
|---|---|---|
| Total return | +37.8% | +43.1% |
| S&P 500 (SPY) | +14.8% | +79.1% |
| Per year | +38.1% | +7.4% |
| Volatility (annualized) | 24.4% | 22.1% |
| Max drawdown | -10.4% (Dec 2025→Jan 2026) | -38.7% (Nov 2021→Nov 2023) |

## Dividends
PBFS paid no cash dividend in the last five years.

## Short interest
126,911 shares sold short, 1.34% of the float, as of Oct 15, 2026 (exchange short-interest report, published about twice a month). Prior report (Sep 15, 2026): 145,924 shares (-13.0%). Days to cover: 7.5 (short shares ÷ average daily volume).

## Peers (Banks - Regional)
FITB (Fifth Third Bancorp) USD 54.44 +1.81% · NU (Nu Holdings Ltd.) USD 12.05 +0.67% · TFC (Truist Financial Corporation) USD 49.32 +1.86% · DB (Deutsche Bank AG) USD 34.86 +4.03% · NWG (NatWest Group plc) USD 17 -1.33% · LYG (Lloyds Banking Group Plc) USD 5.25 -4.55%

## More
Full page: https://nexqual.com/PBFS · Free keyless MCP server with the same data and citations: https://mcp.nexqual.com/mcp · Guide for agents: https://nexqual.com/agents · https://nexqual.com/llms.txt

## Company outlook (8-K filed 2026-07-30)

- "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."

## Analyst estimates and revisions

| Period | EPS est. | 90d ago | Change | Revenue est. | Analysts |
|---|---|---|---|---|---|
| Current quarter | — | — | — | $0 | — |
| Next quarter | — | — | — | $0 | — |
| Current fiscal year | — | — | — | $0 | — |
| Next fiscal year | — | — | — | $0 | — |

## Recent SEC filings (last 120 days)
| Filed | Form | What it says | Filing |
|---|---|---|---|
| 2026-08-10 | 10-Q | Quarterly report · period ended Jun 30, 2026 | https://www.sec.gov/Archives/edgar/data/1769663/000110465926093436/0001104659-26-093436-index.htm |
| 2026-08-10 | 8-K/A | Current report | https://www.sec.gov/Archives/edgar/data/1769663/000110465926093399/0001104659-26-093399-index.htm |
| 2026-07-30 | 8-K | Quarterly results | https://www.sec.gov/Archives/edgar/data/1769663/000110465926088689/0001104659-26-088689-index.htm |
| 2026-07-29 | 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…” | https://www.sec.gov/Archives/edgar/data/1769663/000094337426000336/0000943374-26-000336-index.htm |
| 2026-07-23 | 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…” | https://www.sec.gov/Archives/edgar/data/1769663/000094337426000300/0000943374-26-000300-index.htm |
Source: SEC EDGAR. Quotes are the opening words of each item as filed.