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Company Analysis

Pioneer Bancorp, Inc. PBFS

A comprehensive view of key metrics, scores, and financial health for Pioneer Bancorp, Inc.

Overview of Pioneer Bancorp, Inc.

PBFS NCM
Financial Services Banks - Regional Small Cap
Pioneer Bancorp, Inc. (PBFS), is a Small Cap company, in the Banks - Regional industry, last closed at $13.70, about 2.3% overvalued vs fair value, +14.4% 1Y return, ranked 864/1004 in sector.
$13.70
0.74%
As of March 13, 2026
Previous close • Vol 90d: 24.9%
52-Week Range
Market Cap
$342.41M
Enterprise Value
$248.74M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.pioneerny.com
HQ Albany, NY
Employees 269
Fiscal year Jun 30

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$7
$13
$25
Current: $13.70 -2% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$88.3M
24.3%%
Interest Expense
$21.8M
Net Interest Income
$66.5M
1.5%%
Total Revenue
$88.1M
14.6%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
5.1%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$6.3M
41.2% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Pioneer Bancorp, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
60
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
57
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing PBFS's balance between Growth (34.5%), Profitability (40.8%), and Safety (24.8%). Growth 34% Safety 25% Profitability 41%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

45th percentile vs peers
45
Key Signals
Asset Growth YoY 10.6% 79p Revenue CAGR 3Y 16.0% 39p Rev Growth YoY 14.6% 21p
Strengths
  • Operating Margin in top 20% of peers (37.3%, 88th percentile)
Risks

No significant risks identified for this axis.

Profitability

53th percentile vs peers
53
Key Signals
Strengths
Risks
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Safety

32th percentile vs peers
32
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Pioneer Bancorp, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$13.39
- - -
-2.3% vs current
Snapshot base estimate
Bull
-
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- upside
-
Fair Value Range Current: $-
$- $- $-
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