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PBFS 
Pioneer Bancorp Inc (PBFS)
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Upturn Advisory Summary
12/03/2025: 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.
Analysis of Past Performance
Type Stock | Historic Profit 14.59% | Avg. Invested days 54 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 12/03/2025 |
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 |
Upturn AI SWOT
Pioneer Bancorp Inc
Company Overview
History and Background
Pioneer Bancorp, Inc. is the holding company for Pioneer Bank, a full-service community bank primarily serving Albany, New York and the surrounding Capital Region. Founded in 1889 as Cohoes Savings Bank, it has evolved from a traditional savings bank to a modern commercial bank, focusing on providing financial solutions to individuals, families, and businesses.
Core Business Areas
- Commercial Banking: Offers commercial loans, lines of credit, and deposit services to businesses of various sizes.
- Retail Banking: Provides personal checking and savings accounts, mortgages, home equity loans, and other consumer banking products.
- Wealth Management: Offers wealth management and investment advisory services to individuals and families.
Leadership and Structure
The leadership team includes the CEO, CFO, and other senior executives responsible for overseeing the bank's operations and strategic direction. Pioneer Bancorp operates with a traditional bank structure, including retail branches, commercial lending teams, and support departments.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans for businesses, real estate development, and equipment financing. Pioneer Bank is a notable lender in its region, though specific market share data is not readily available. Competitors include larger regional and national banks like KeyCorp (KEY) and Bank of America (BAC) in the commercial lending space.
- Mortgages: Residential mortgages for home purchase and refinancing. Market share data is limited, but Pioneer Bank competes with national mortgage lenders and local credit unions. Competitors include Rocket Mortgage (RKT) and local credit unions.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Pioneer Bank competes with other local and national banks for deposit market share. Competitors include M&T Bank (MTB) and Citizens Financial Group (CFG).
Market Dynamics
Industry Overview
The banking industry is currently facing a complex environment with rising interest rates, increased regulatory scrutiny, and growing competition from fintech companies. Community banks like Pioneer Bancorp are adapting by focusing on personalized service and local market expertise.
Positioning
Pioneer Bancorp positions itself as a community-focused bank with a strong understanding of the local market. Its competitive advantages include its long-standing reputation, customer relationships, and local expertise.
Total Addressable Market (TAM)
The TAM for banking services in Pioneer Bancorp's geographic footprint is estimated to be in the billions of dollars. Pioneer Bancorp is positioned to capture a portion of this market by providing personalized service and focusing on the needs of local businesses and individuals.
Upturn SWOT Analysis
Strengths
- Strong local brand recognition
- Established customer relationships
- Experienced management team
- Community focus
- Solid capital base
Weaknesses
- Limited geographic reach compared to larger banks
- Dependence on local economy
- Higher operating costs relative to larger banks
- Less diversified revenue streams
Opportunities
- Expanding into new markets within the Capital Region
- Increasing market share through improved customer service
- Leveraging technology to improve efficiency
- Developing new products and services to meet customer needs
Threats
- Competition from larger regional and national banks
- Economic downturn in the Capital Region
- Increasing regulatory burden
- Rising interest rates
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- KEY
- BAC
- MTB
- CFG
Competitive Landscape
Pioneer Bancorp faces competition from larger regional and national banks, as well as local credit unions. Its advantages include its community focus, local expertise, and established customer relationships. Disadvantages include its limited geographic reach and higher operating costs.
Growth Trajectory and Initiatives
Historical Growth: Historical growth would be assessed by analyzing revenue, earnings, and asset growth over the past years.
Future Projections: Future growth projections would be based on analyst estimates for the banking industry and Pioneer Bancorp's specific market. Without data, I cannot supply the estimates
Recent Initiatives: Recent initiatives may include branch expansions, new product launches, technology upgrades, and community involvement programs.
Summary
Pioneer Bancorp is a community bank with strong roots in the Capital Region of New York. Its focus on local businesses and personalized service provides a competitive advantage. However, it faces challenges from larger banks and a changing regulatory environment. Its long-standing reputation and customer relationships are key strengths, but expanding its reach and improving efficiency are crucial for future success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Industry reports
- Market analysis
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is approximate and may vary depending on the source. Financial metrics are estimates and are subject to change.
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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