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Upturn AI SWOT - About
PBFS 
Pioneer Bancorp Inc (PBFS)
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Upturn Advisory Summary
06/30/2025: PBFS (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $0
1 Year Target Price $0
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 2.26% | Avg. Invested days 39 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
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 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Pioneer Bancorp Inc
Company Overview
History and Background
Pioneer Bancorp, Inc. is the holding company for Pioneer Bank. Founded in 1889, Pioneer Bank has evolved from a savings and loan association into a full-service commercial bank operating in New York's Capital Region.
Core Business Areas
- Commercial Banking: Provides a range of financial services to businesses, including commercial loans, lines of credit, and deposit accounts.
- Retail Banking: Offers banking products and services to individual customers, including checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Provides wealth management and financial planning services to individuals and families.
Leadership and Structure
Pioneer Bancorp's leadership consists of a board of directors and an executive management team. The organizational structure is typical of a community bank, with departments responsible for lending, retail banking, finance, and operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including real estate, equipment, and working capital. No specific market share data available publicly. Competitors include other regional and national banks.
- Mortgages: Residential mortgage loans for home purchase and refinancing. No specific market share data available publicly. Competitors include other regional and national banks and mortgage companies.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. No specific market share data available publicly. Competitors include other regional and national banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic conditions.
Positioning
Pioneer Bancorp is a community bank focused on serving the needs of individuals and businesses in the Capital Region of New York. Its competitive advantages include its local market knowledge and customer relationships.
Total Addressable Market (TAM)
The total addressable market includes all potential banking customers in the Capital Region of New York. Pioneer Bancorp is positioned to capture a portion of this TAM through its community focus and competitive product offerings.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Established customer relationships
- Experienced management team
- Community focus
Weaknesses
- Limited geographic footprint
- Smaller scale compared to larger banks
- Dependence on local economy
- Less diversified product offerings
Opportunities
- Expand into new markets within the Capital Region
- Increase market share through targeted marketing
- Develop new products and services to meet customer needs
- Leverage technology to improve efficiency
Threats
- Increased competition from larger banks and online lenders
- Economic downturn in the Capital Region
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- KeyCorp (KEY)
- M&T Bank Corporation (MTB)
- Bank of America (BAC)
- JPMorgan Chase & Co. (JPM)
Competitive Landscape
Pioneer Bancorp operates in a competitive market with larger national and regional banks. Its advantages are its local focus and customer service, while its disadvantages are its smaller scale and limited resources.
Growth Trajectory and Initiatives
Historical Growth: Requires historical financial data and market data to discuss growth trends.
Future Projections: Requires access to analyst reports and company guidance to provide projections.
Recent Initiatives: Requires staying up-to-date on company announcements and news reports.
Summary
Pioneer Bancorp is a community-focused bank with a solid presence in the Capital Region of New York. Its strengths lie in its established customer relationships and local market knowledge. Challenges include competition from larger banks and the need to adapt to changing economic conditions. Future success depends on its ability to leverage technology and expand its market reach.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- FDIC
- SEC filings
- Yahoo Finance
- MarketWatch
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise. All investment decisions should be made based on your own research and consultation with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
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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