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Pioneer Bancorp Inc (PBFS)

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Upturn Advisory Summary
12/12/2025: PBFS (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Analysis of Past Performance
Type Stock | Historic Profit 25.04% | Avg. Invested days 55 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating ![]() | Upturn Advisory Performance | Stock Returns Performance |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 310.14M USD | Price to earnings Ratio 17.12 | 1Y Target Price - |
Price to earnings Ratio 17.12 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.34 | 52 Weeks Range 10.07 - 12.65 | Updated Date 06/30/2025 |
52 Weeks Range 10.07 - 12.65 | Updated Date 06/30/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.72 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 22.84% | Operating Margin (TTM) 34.72% |
Management Effectiveness
Return on Assets (TTM) 0.91% | Return on Equity (TTM) 6.31% |
Valuation
Trailing PE 17.12 | Forward PE - | Enterprise Value 181239376 | Price to Sales(TTM) 3.5 |
Enterprise Value 181239376 | Price to Sales(TTM) 3.5 | ||
Enterprise Value to Revenue 3.92 | Enterprise Value to EBITDA - | Shares Outstanding 25153000 | Shares Floating 8066564 |
Shares Outstanding 25153000 | Shares Floating 8066564 | ||
Percent Insiders 57 | Percent Institutions 24.42 |
About Pioneer Bancorp Inc
Exchange NASDAQ | Headquaters Albany, NY, United States | ||
IPO Launch date 2019-07-18 | President, CEO & Director Mr. Thomas L. Amell | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 268 | Website https://www.pioneerny.com |
Full time employees 268 | Website https://www.pioneerny.com | ||
Pioneer Bancorp, Inc. operates as a holding company for Pioneer Bank, National Association that provides various banking products and services in New York. It accepts various deposit accounts, such as demand, savings, and money market accounts, as well as certificates of deposit. The company's loan products include commercial real estate, commercial and industrial, commercial construction, residential mortgage, and consumer loans; and home equity loans and lines of credit. It also invests in securities, including U.S. treasury securities, fixed-rate mortgage-backed securities and collateralized mortgage obligations, fixed-rate investment grade bonds, and corporate debt securities. In addition, the company offers personal and commercial insurance products, including homeowners, automobile, and comprehensive business insurance; employee benefit products and consulting services, such as group health, dental, disability, and life insurance products; defined contribution and benefit administration, and human resource management services; and wealth management services comprising investment advice, retirement income planning, estate planning, business succession, and employer retirement planning. Pioneer Bancorp, Inc. was founded in 1889 and is based in Albany, New York. Pioneer Bancorp, Inc. is a subsidiary of Pioneer Bancorp MHC.

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