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Upturn AI SWOT - About
PBFS 
Pioneer Bancorp Inc (PBFS)
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Upturn Advisory Summary
08/28/2025: 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 9.49% | Avg. Invested days 45 | 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 08/28/2025 |
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. operates as the holding company for Pioneer Bank. Founded in 1889, Pioneer Bank has evolved from a traditional savings bank to a full-service financial institution serving the Capital Region of New York.
Core Business Areas
- Commercial Banking: Provides lending solutions to businesses, including commercial real estate loans, lines of credit, and equipment financing. Also offers treasury management services.
- Retail Banking: Offers deposit accounts, mortgages, home equity loans, and consumer loans to individuals and families.
- Wealth Management: Provides investment advisory and financial planning services.
Leadership and Structure
Pioneer Bancorp is led by its Board of Directors and executive management team. The structure includes various departments overseeing lending, operations, finance, and compliance.
Top Products and Market Share
Key Offerings
- Mortgages: Residential mortgages are a significant product. Market share data is not readily available, but Pioneer Bank competes with national and regional banks. Competitors include Wells Fargo, JPMorgan Chase, and regional players like KeyBank.
- Commercial Real Estate Loans: Loans for commercial properties form a large portion of their lending portfolio. Specific market share is unavailable. Competitors include larger national banks and local credit unions.
- Deposit Accounts: Checking and savings accounts form the core of the deposit base. Market share is fragmented. Competitors include Bank of America, Citizens Bank and local community banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing rising interest rates, increased competition from fintech companies, and regulatory scrutiny. Consolidation is also a key trend.
Positioning
Pioneer Bancorp is a regional community bank focused on serving the Capital Region of New York. It competes with larger national banks and smaller local institutions. Its competitive advantage lies in its personalized service and local expertise.
Total Addressable Market (TAM)
TAM is estimated at multiple billions within the Capital Region banking market. Pioneer Bancorp is positioned to capture a portion of this market through its local focus.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Customer relationships
- Experienced management team
- Solid capital base
Weaknesses
- Limited geographic reach
- Smaller scale compared to national banks
- Reliance on traditional banking model
Opportunities
- Expansion into new markets within the region
- Development of new digital banking services
- Acquisition of smaller community banks
- Growing wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturns
- Regulatory changes
Competitors and Market Share
Key Competitors
- JPM
- WFC
- KEY
- CIT
Competitive Landscape
Pioneer Bancorp faces challenges from larger national banks with greater resources and wider branch networks. Its advantage lies in its local focus and strong customer relationships.
Growth Trajectory and Initiatives
Historical Growth: Historical growth can be assessed from previous financial reports and market analysis.
Future Projections: Future projections depend on analyst estimates. Refer to professional financial analyst reports.
Recent Initiatives: Information on recent strategic initiatives can be found on Pioneer Bancorp's website and press releases.
Summary
Pioneer Bancorp is a community-focused bank with a strong local presence, although it faces challenges from larger competitors and a changing banking landscape. Its strengths lie in customer relationships and experienced management, while opportunities include expanding its digital services and potentially acquiring smaller banks. The company must watch out for regulatory changes and economic downturns.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Research Reports
- Financial News Outlets
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and based on available information. Financial data needs to be validated and should be from the company financial releases.
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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