PBFS logo

PIONEER BANCORP INC/NY

PBFSNASDAQ
πŸ† #2702 by market capEarnings Oct 29US Equity
$17.10β–² $0.02 (+0.12%)
Live
1hβ€”
24hβ–² 0.1%
7dβ–Ό 2.3%
14dβ–Ό 3.7%
30dβ–² 2.8%
1yβ–² 33.7%
🏦Market Cap
$429M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+57.0%
High Growth
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
8.2%
Moderate
βš–οΈP/S Ratio
2.6x
Cheap
Otter Score
60
Fair

Trading Snapshot

Day Range
$16.85 – $17.28
52-Week Range
$12.35 – $19.42
Volume
$2.78B
Avg Volume
$2.50B
Shares Outstanding
25.1M
Next Earnings
Oct 21, 2026

Fundamentals Snapshot

Annual Revenue
$127M
Last Q Revenue
$32M
P/E Ratio
21.6
P/S Ratio
2.6x
EPS (TTM)
$0.81
Dividend Yield
β€”

Why Investors Own PBFS

  • βœ“High-growth profile β€” revenue up +41.7% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 51% gross margin and 7% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)
$127Mβ–² +48.4% YoY
Gross Margin (TTM)
51.2%β–² +1.6% YoY
Operating Income (TTM)
$45Mβ–² +48.4% YoY
Free Cash Flow (TTM)
$9Mβ–² +48.4% YoY

About PIONEER BANCORP INC/NY

Pioneer Bancorp, Inc., founded in 1889 and based in Albany, New York, serves as the holding company for Pioneer Savings Bank. It offers a wide spectrum of financial products and services throughout New York. The company's banking services include various deposit options such as checking, savings, and money market accounts, as well as certificates of deposit. Its lending portfolio spans commercial real estate, commercial and industrial financing, commercial construction, residential mortgages for one-to-four family homes, home equity loans, home equity lines of credit, and consumer loans. Beyond traditional banking, Pioneer Bancorp allocates capital to U.S. governmental securities, fixed-rate collateralized mortgage obligations, mortgage-backed securities, investment-grade bonds with fixed rates, and equity securities. The organization also extends its offerings to include insurance products, providing coverage for homeowners, automobiles, and comprehensive business needs. Additionally, it delivers employee benefit solutions, encompassing group health, dental, disability, and life insurance, alongside administrative services for defined contribution and benefit plans, and human resource management. Wealth management services are also available, comprising investment guidance, retirement income and estate planning, business succession strategies, and employer retirement program development. With a network of 22 retail banking branches, the company serves clients across Albany, Greene, Rensselaer, Saratoga, Schenectady, and Warren Counties in New York. Pioneer Bancorp, Inc. operates as a subsidiary of Pioneer Bancorp, MHC.

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Otter Score Breakdown

β“˜
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
60/100

Analyst Price Target

β“˜
Average Target
$17.96
β–² +5.0% Upside
High Target$20.91
Low Target$16.23
Based on 28 analysts

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