Pioneer Bancorp, Inc. PBFS

17.67 0.30 1.73% as of 25 Sep
Market cap
$431.5M
P/E
25.6×
Growth Flags show if company had growth for consecutive years

Insider Decisions

Total sells 0.08
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — — 1 — — — — — — — — —
Insider Ownership 58.06%

Capital & Financial Ratios

Market Cap 431.50
Revenue 134.85
Net Income 16.85
Free Cash Flow 23.47
Net Debt (94.57)
Current Ratio 1.00
Debt/Equity 0.00
P/E ratio 25.60
P/S ratio 3.18
P/B ratio 1.31
Past 5Y EPS Growth 16.54%
This Y EPS Growth —
Next Y EPS Growth —
Next 5Y EPS Growth —
in millions of $

Dividends

Payout Ratio 0.00
Annual Dividend Rate —
Annual Dividend Yield —
total individual payouts
2021 Powerpack
2020 Powerpack
2019 Powerpack
2018 Powerpack
2017 Powerpack
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 150 165 134 95
Receivables — — — —
Inventory — — — —
Other — — — —
1,302 1,517 1,789 1,975
2023 2024 2025 Q'26
Payables 1,542 1,550 1,739 1,969
ST’ Debt — — — —
Other — — — —
1,542 1,550 1,739 1,969
in millions of $

Compound Annual Growth

10y 5y 3y
Sales 10.07% 12.85% 29.81%
Cash Flow — 40.58% (39.41%)
Earnings 13.67% 31.30% 25.44%
Book Value 12.03% 6.37% 6.69%

Revenue

Sep Dec Mar Jun Year
’26 — — 32 37 —
’25 28 33 30 32 127
’24 24 26 27 27 105
’23 19 22 22 22 85
’22 14 15 14 15 58
’21 15 16 15 14 60
’20 19 19 16 15 69
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Sep Dec Mar Jun Year
’26 — — 0 15 —
’25 2 6 (4) 5 11
’24 12 (1) 3 9 24
’23 8 2 13 14 26
’22 6 0 29 21 50
’21 (2) 8 27 5 33
’20 (1) 12 (7) 9 2
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Sep Dec Mar Jun Year
’26 — — (1) 14 —
’25 2 6 (5) 5 9
’24 12 (1) 3 9 23
’23 8 2 13 13 26
’22 6 0 29 21 50
’21 (2) 8 27 5 32
’20 (1) 11 (9) 9 0
in millions of $ · fiscal quarters ending in the months shown

EPS

Sep Dec Mar Jun Year
’26 — — 0.22 0.14 —
’25 0.25 0.16 0.23 0.26 0.87
’24 0.14 0.13 0.19 0.16 0.61
’23 0.21 0.25 0.24 0.18 0.87
’22 0.05 0.25 0.01 0.09 0.41
’21 0.06 0.08 0.05 (0.14) 0.04
’20 (0.04) 0.15 0.03 0.53 0.21
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
— — — 12.12 8.02 10.22 9.13 7.81 8.76 10.60

Analyst estimates 2026–2028

Powerpack
Low Price
— — — 15.35 15.33 13.98 11.97 11.88 12.00 14.94
High Price
— — 267 278 267 262 278 279 289 269
Employees
0 0 0 0 0 0 0 0 0 0
Revenue/Emp
49 49 59 69 69 60 58 85 105 127
Revenue
95.03% 95.03% 94.63% 93.47% 93.16% 96.46% 97.47% 93.55% 79.16% 76.01%
Gross Margin
8 18 18 8 6 3 13 28 19 26
EBT
17.20% 0.00% 30.04% 11.73% 8.66% 4.46% 23.03% 32.70% 18.55% 20.91%
EBT Margin
0 0 11 7 5 1 10 22 0 20
Net Income
— 0 3 2 3 4 4 3 1 (3)
Depreciation
0.00 1.87 2.28 0.00 2.77 2.38 2.30 3.38 4.15 5.18
Revenue/Sh
— 0.22 0.44 0.73 0.21 0.04 0.41 0.87 0.61 0.79
Earnings/Sh
— 0.46 0.89 0.00 0.08 1.30 1.99 1.04 0.95 0.45
Cash Flow/Sh
— 0.00 (0.31) 0.00 (0.06) (0.02) 0.02 (0.02) (0.03) (0.07)
Capex/Sh
— 0.00 0.58 0.00 0.02 1.29 2.00 1.03 0.91 0.39
Free CF/Sh
0.00 0.00 4.54 0.00 8.95 9.49 9.65 10.60 0.00 13.23
Book Value/Sh
— 26 26 0 25 25 25 25 25 24
Shares
15.69 15.69 15.69 15.69 13.64 240.40 24.50 10.17 16.76 16.31
PE Ratio
0.00 0.00 0.00 0.00 3.31 5.05 4.25 2.64 2.50 2.60
PS Ratio
0.00 0.00 0.00 0.00 1.02 1.27 1.02 0.84 0.88 1.02
PB Ratio
(3.28) (3.28) (3.28) (3.28) 1.33 (0.06) (1.90) 0.94 0.98 1.94
EV/Sales
60.94 60.94 60.94 60.94 8.78 (0.10) (1.96) 2.21 4.45 26.03
EV/FCF
— 12 23 6 2 33 50 26 24 11
Op' Cash Flow
— 0 (8) (2) (2) 0 0 0 (1) (2)
Capex
— 0 15 4 0 32 50 26 23 9
FCF
976 (1,010) (40) (59) 39 (120) (317) (240) (47) 50
Working Cap'
5 5 — — — — — 5 40 50
Total Debt
(35) 5 (120) (230) (157) (325) (376) (145) (57) (84)
Net Debt
104 (10) 118 123 224 238 243 267 305 324
Sh' Equity
0.50% 1.88% 1.67% 0.53% 0.35% 0.06% 0.55% 1.15% 0.00% 0.98%
ROA
7.59% 0.00% 0.00% 0.00% 5.59% 0.00% 0.00% 14.36% 0.00% 7.41%
ROIC
5.47% 24.38% 21.22% 6.06% 2.99% 0.47% 4.28% 8.62% 0.00% 6.46%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Pioneer Bancorp, Inc. peers in Banks Regional

Company Market cap P/E Compare
AVBC Avidia Bancorp, Inc. $433.2M 22.8× Compare
PLBC Plumas Bancorp $428.1M 12.1× Compare
FRBA First Bank $435.4M 10.3× Compare
CBK Commercial Bancgroup, Inc. $435.8M 10.9× Compare
Company Market cap P/E Compare
CBAN Colony Bankcorp, Inc. $440.1M 12.5× Compare
USCB USCB Financial Holdings, Inc. $418.8M 14.7× Compare
RBB RBB Bancorp $447.4M 10.8× Compare
BMRC Bank of Marin Bancorp $449.9M 0.0× Compare

All 325 Banks Regional stocks →

Pioneer Bancorp, Inc. (PBFS) key facts

  • Pioneer Bancorp, Inc. (PBFS) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • Pioneer Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $126.7 million, up 21.0% from fiscal 2024.
  • Net income was $20.3 million, or $0.79 per share (basic), a net margin of 16.0%.
  • As of September 25, 2026, PBFS traded at $17.67, a market capitalization of $431.5 million.
  • At that price the stock trades at 25.6× trailing-twelve-month earnings and 3.2× sales.
  • Return on equity was 6.46% and debt-to-equity 0.00.

Source: company filings (standardised) and stockrow calculations.

Pioneer Bancorp, Inc. (PBFS) Latest News

News by impact score

Fine-tune

18 Aug

3

Pioneer Bancorp reported lower Q2 earnings year over year after expenses offset income growth. Quarterly earnings decline from higher expenses signals short-term pressure on profitability and stock sentiment.

24 Apr

4

Pioneer Bancorp, Inc. (PBFS) announces acquisition of Targeted Lending Co., LLC, launching Pioneer Specialty Financing Division to expand into specialized lending. Acquisition launches new specialty financing division, enabling strategic expansion into targeted lending markets.

9 Feb

3

Pioneer Bancorp, Inc. (NASDAQ:PBFS) has a significant ownership structure, with private companies holding a 59% stake in the company. Individual investors own 16% of the shares, indicating a concentrated ownership model that may influence corporate governance and strategic decisions. The concentrated ownership could moderately influence governance and strategic direction, impacting financial performance and market sentiment.

2 Feb

3

Pioneer Bancorp reported strong performance in 2025. Strong 2025 results point to improved financial performance likely to support near-term market sentiment.

13 Jan

4

Pioneer Bancorp, Inc. (PBFS) has demonstrated strong earnings growth, showcasing its ability to meet key financial metrics and expectations. The company's performance reflects effective management strategies and a solid operational framework, positioning it favorably in the market. Investors may find confidence in its growth trajectory as it continues to deliver positive results. Strong earnings growth and effective management strategies are likely to significantly impact future performance and investor sentiment.

25 Nov

3

Pioneer Bancorp, Inc. (PBFS) shareholders have achieved a compound annual growth rate (CAGR) of 4.8% over the past five years. This performance reflects the company's steady growth and resilience in the financial sector, contributing positively to shareholder value. The reported CAGR indicates a moderate positive influence on financial performance and investor sentiment.

14 Oct

4

Pioneer Bancorp, Inc. (PBFS) is highlighted as a potential investment opportunity in the U.S. market, showcasing its strong fundamentals and growth prospects. The article emphasizes the bank's strategic initiatives and financial performance, suggesting that it may be undervalued compared to its peers. Analysts point to the company's robust loan portfolio and effective management as key factors that could drive future growth. Overall, PBFS is positioned as a promising candidate for investors seeking undiscovered gems in the financial sector. Pioneer Bancorp's strategic initiatives and strong fundamentals indicate a significant potential for future growth and market performance.

10 Sep

4

Pioneer Bancorp, Inc. (PBFS) is highlighted as one of three undiscovered investment opportunities in the U.S. market, showcasing strong potential for growth. The article emphasizes the company's solid financial performance, strategic initiatives, and favorable market conditions that could enhance its competitive positioning. Analysts suggest that PBFS is undervalued compared to its peers, making it an attractive option for investors seeking long-term gains. The focus on community banking and personalized services further strengthens its market appeal. Pioneer Bancorp's strategic initiatives and favorable market conditions are likely to significantly impact its future performance and investor sentiment.

6 Aug

4

Pioneer Bancorp, Inc. (PBFS) is gaining attention due to its recent financial performance and strategic initiatives. The company has shown resilience in a challenging economic environment, with improved earnings and a focus on expanding its market presence. Analysts highlight its strong balance sheet and potential for growth, making it an attractive option for investors. Additionally, the bank's commitment to community engagement and customer service is expected to enhance its reputation and customer loyalty. Significant strategic initiatives and improved financial performance are likely to alter the company's trajectory.

10 Jul

4

Pioneer Bancorp, Inc. (PBFS) is highlighted as one of three undervalued companies in the U.S. market with strong growth potential. The article emphasizes PBFS's solid financial performance, strategic initiatives, and favorable market conditions that position it for future success. Investors are encouraged to consider PBFS as a promising opportunity amidst a landscape of overlooked stocks. Pioneer Bancorp's strategic initiatives and favorable market conditions are likely to significantly impact its future performance.

18 Jun

3

Pioneer Bancorp, Inc. (NASDAQ:PBFS) has seen its share price increase by 25% over the past five years, which is below the market average. In the last year, the stock rose by 17%. Despite this, the company's earnings per share (EPS) grew at an annual rate of 18%, indicating market pessimism. Total shareholder return over the past year was 17%, an improvement from the five-year TSR of 4%, suggesting positive sentiment. Investors are encouraged to consider valuation metrics before making decisions. The divergence between EPS growth and share price suggests moderate influence on market sentiment and future performance.

22 May

3

Pioneer Bancorp, Inc. (PBFS) is highlighted as a promising small-cap investment opportunity in the U.S. market. The article emphasizes its strong fundamentals, including solid financial performance and growth potential, positioning it as an attractive option for investors seeking undervalued stocks. The focus on small-cap companies suggests a trend towards discovering hidden gems in the market that could yield significant returns. Pioneer Bancorp's strong fundamentals may moderately influence its financial performance and market positioning.

2 May

3

Pioneer Bancorp, Inc. (PBFS) reported its first quarter 2025 earnings, revealing an earnings per share (EPS) of US$0.23, an increase from US$0.19 in the same quarter of 2024. This performance indicates a positive trend in the company's financial results year-over-year. The increase in EPS suggests a moderately noticeable improvement in financial performance, which may positively influence market sentiment.

14 Mar

4

Pioneer Bancorp, Inc. is highlighted as a strong investment opportunity amidst a fluctuating US market, with a market cap of $296.60 million and a robust financial profile. The bank has shown a 12% earnings growth over the past year, significantly outperforming the industry average of -1.7%. With a price-to-earnings ratio of 15.5x, it offers better value compared to the market average. The company relies on low-risk funding sources, with customer deposits constituting 95% of its liabilities, and has recently repurchased shares worth $1.91 million. Overall, Pioneer Bancorp is positioned as a promising stock with strong fundamentals and growth potential. Pioneer Bancorp's strong earnings growth and robust financial profile indicate significant potential for future performance.

1 Feb

4

Pioneer Bancorp (NASDAQ:PBFS) has attracted investor interest due to its impressive earnings per share (EPS) growth of 50% per year over the last three years, despite a slight decline in revenue from operations. The company's EBIT margins remained stable, and it reported a 10% revenue growth to US$80 million. Insider buying, particularly by Director Shaun Mahoney, indicates confidence in the company's future. While the growth is notable, potential investors should be aware of existing risks, including one warning sign identified for Pioneer Bancorp. Significant EPS growth and insider buying suggest a positive trajectory for the company's performance.

19 Dec

3

Pioneer Bancorp (NASDAQ:PBFS) shareholders have lost 24% over the last five years despite revenue growth of 7.2% per year. The article suggests that while the share price decline is significant, the company's revenue growth may offer some opportunities for improvement.

1 Nov

4

Pioneer Bancorp (NASDAQ:PBFS) reported strong first quarter 2025 results with revenue up 22% and net income up 85% from 1Q 2024. The significant increase in revenue and net income, along with improved profit margin and EPS, indicate a potentially significant impact on Pioneer Bancorp's future performance.

27 Sep

3

Pioneer Bancorp (NASDAQ:PBFS) reported full year 2024 earnings with a decrease in revenue, net income, and profit margin. EPS also decreased from the previous year. The financial results show a moderately noticeable influence on key areas such as revenue and net income, but the overall impact is somewhat limited by other factors.

12 Sep

3

Pioneer Bancorp, Inc.'s largest shareholders are private companies with 57% ownership, hedge funds own 14%. Significant ownership by private companies and hedge funds may moderately influence the company's future.

2 Aug

3

Pioneer Bancorp (NASDAQ:PBFS) reported full year 2024 earnings with revenue flat at US$80.1m, net income down 31% to US$15.3m, and EPS decreased to US$0.61 from US$0.87 in FY 2023. The financial results show a moderately noticeable influence on Pioneer Bancorp's future performance.

stockrow.com/PBFS · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com