
PIONEER BANCORP INC/NY
PBFSNASDAQTrading Snapshot
- Day Range
- $16.85 β $17.28
- 52-Week Range
- $12.35 β $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
- βHigh-growth profile β revenue up +41.7% YoY with expanding US Equity exposure.
- βHealthy economics β 51% gross margin and 7% free-cash-flow margin.
- βNew products and segments could unlock additional revenue streams.
Execution delays, intensifying competition, and valuation compression if growth decelerates.
Financial Trends
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.
Otter Score Breakdown
βAnalyst Price Target
βLatest News & Updates
PIONEER BANCORP INC/NY tops quarterly estimates as demand accelerates
Revenue grew double digits with management guiding above consensus; margins continued to expand.
Analysts lift PBFS price targets on improving margins
Several firms raised targets, citing stronger free cash flow and a healthier backlog.
PIONEER BANCORP INC/NY announces new agreement to expand its footprint
The move broadens the companyβs reach and could add incremental revenue over the next year.