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Upturn AI Summary - About
Pioneer Bancorp Inc(PBFS)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for PBFS
10/28/2026: PBFS (3-star) is a STRONG-BUY. BUY for 3 days. Simulated Profits (-0.93%). Updated daily EoD!
Pioneer Bancorp Inc is a community-focused financial holding company based in Albany, New York, serving the Capital Region. The company stands out for its diversified model, which balances traditional lending with fee-generating services like wealth management and, more recently, national equipment finance. Its main growth story is the integration of its newly acquired Specialty Financing division, which aims to diversify revenue streams beyond the local economy. Primary risks include exposure to interest rate fluctuations, geographic concentration in Upstate New York, and the execution risk associated with scaling its new national platform. The stock may best suit value-oriented investors who are monitoring the successful integration of its recent acquisition.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers growth potential through national expansion but remains a small-cap banking entity. |
| Momentum investor | Weak fit | Low trading volume and lack of consistent price momentum make this less suitable for short-term trend following. |
| Value investor | Strong fit | Trading at reasonable P/E and P/B multiples relative to its regional peers. |
| Dividend investor | Weak fit | The company currently does not pay a regular dividend. |
| Low-risk investor | Mixed fit | Regional banking carries inherent economic and interest rate risks despite a solid community franchise. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | As a small-cap stock with limited liquidity, shares can experience sharper price fluctuations. |
| Valuation risk | Medium | While trading at reasonable multiples, the stock’s premium or discount can swing based on earnings surprises. |
| Competition risk (banking) | Medium / high | Larger banks with greater resources compete directly for deposits and commercial loans. |
| Business quality | Medium | Long-term success depends on successful integration of the new national specialty division. |
| Dividend income | Low / none | No current dividend income makes it unsuitable for income-focused portfolios. |
| Execution risk | Medium | Successfully scaling a national finance division introduces new operational and credit risks. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 30.95% | Avg. Invested days 57 | Today’s Advisory Strong Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/28/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 439.59M USD | Price to earnings Ratio 25.97 | 1Y Target Price - |
Price to earnings Ratio 25.97 | 1Y Target Price - | ||
Volume (30-day avg) 15.6K shares | Beta 0.42 | 52 Weeks Range 13.00 - 19.91 | Updated Date 10/28/2026 |
52 Weeks Range 13.00 - 19.91 | Updated Date 10/28/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.7 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Banking Services | Interest earned on commercial real estate and business loans, residential mortgages, and consumer loans. | The bread-and-butter of the company; they earn money from the spread between deposit costs and loan interest. |
| Specialty Financing | Nationwide equipment financing for small and mid-sized businesses. | A new national growth engine focusing on financing essential equipment for business owners. |
| Fee-Based Services | Wealth management, insurance, and employee benefit consulting fees. | Diversified income that is less dependent on interest rate changes. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 25.97 | Forward PE - | Enterprise Value 331.58M | Price to Sales(TTM) 4.46 |
Enterprise Value 331.58M | Price to Sales(TTM) 4.46 | ||
Enterprise Value to Revenue 4.31 | Enterprise Value to EBITDA - | Shares Outstanding 24.18M | Shares Floating 7.53M |
Shares Outstanding 24.18M | Shares Floating 7.53M | ||
Percent Insiders 59.38 | Percent Institutions 23.26 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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