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Pioneer Bancorp Inc

PBFS

13.340USD

+0.190+1.44%

Close 11/07, 16:00（ET）Quotes delayed by 15 min

340.94MMarket Cap

16.86P/E TTM



Pioneer Bancorp Inc

13.340

+0.190+1.44%

Overview Company Financials Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

Overview

Company

Financials

Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score of Pioneer Bancorp Inc

Currency: USD Updated: 2025-11-07

Key Insights

The company's fundamentals are relatively very healthy. Its valuation is considered fairly valued,and institutional recognition is very high. Despite an average stock market performance, the company shows strong fundamentals and technicals. The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

Pioneer Bancorp Inc's Score

Industry at a Glance

Industry Ranking

195 / 407

Overall Ranking

303 / 4614

Industry

Banking Services

Support & Resistance

No Data

Score Analysis

Current score

Previous score

Analyst Rating

Based on 0 analysts

Current Rating

Target Price

Upside Space

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Pioneer Bancorp Inc Highlights

StrengthsRisks

Pioneer Bancorp, Inc. is a bank holding company whose wholly owned subsidiary is Pioneer Bank, National Association (the Bank). The Company provides diversified financial services through the Bank and its subsidiaries, with approximately 22 offices in the Capital Region of New York State, and offers an array of deposit, lending, and other financial services to individuals, businesses, and municipalities. Its principal lending activity has been originating commercial real estate loans, commercial and industrial loans, commercial construction loans and home equity loans and lines of credit. Its primary market area encompasses Albany, Greene, Rensselaer, Saratoga, Schenectady and Warren Counties, where its offices are located, and their contiguous counties, which are located in the Capital Region and include the cities of Albany, the capital of New York, Schenectady and Troy. The Bank’s wholly owned subsidiaries are Pioneer Insurance Agency, Inc. and Pioneer Financial Services, Inc.

Growing

The company is in a growing phase, with the latest annual income totaling USD 41.57M.

Overvalued

The company’s latest PB is 1.08, at a high 3-year percentile range.

Institutional Selling

The latest institutional holdings are 6.13M shares, decreasing 9.89% quarter-over-quarter.

Held by Private Capital

Star Investor Private Capital holds 358.70K shares of this stock.

Financial Health

Currency: USD Updated: 2025-11-07

The company's current financial score is 8.51, which is higher than the Banking Services industry's average of 7.05. Its financial status is robust, and its operating efficiency is high. Its latest quarterly revenue reached 22.84M, representing a year-over-year increase of 67.20%, while its net profit experienced a year-over-year increase of 102.10%.

Score

Industry at a Glance

Previous score

8.51

Change



Financials

9.92

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data



Quality of Earnings

10.00

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

No Data



Operational Efficiency

10.00

Key Metrics

Cash flow from operating activities

Income after tax

No Data



Growth Potential

5.62

Key Metrics

Cash flow from operating activities

Total revenue

No Data



Shareholder Returns

7.03

Key Metrics

Free cash flow

No Data

Pioneer Bancorp Inc's Company Valuation

Currency: USD Updated: 2025-11-07

The company’s current valuation score is 7.78, which is higher than the Banking Services industry's average of 7.67. Its current P/E ratio is 20.34, which is 10.12% below the recent high of 22.40 and 51.84% above the recent low of 9.79.

Score

Industry at a Glance

Previous score

7.78

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 195/407

No Data

Earnings Forecast

Currency: USD Updated: 2025-11-07

There is no earnings forecast score for this company; the Banking Services industry's average is 7.41.

Score

Industry at a Glance

Previous score

0.00

Change

Support & Resistance

No Data

No Data

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

No Data

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated: 2025-11-07

The company’s current price momentum score is 8.85, which is higher than the Banking Services industry's average of 7.61. Sideways: Currently, the stock price is trading between the resistance level at 13.67 and the support level at 12.82, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

7.23

Change

1.62

Support & Resistance

No Data

Indicators



The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators

Sell(1)

Neutral(2)

Buy(4)

Indicators

Value

Direction

MACD(12,26,9)

0.036

Buy

RSI(14)

57.546

Neutral

STOCH(KDJ)(9,3,3)

73.080

Buy

ATR(14)

0.228

High Vlolatility

CCI(14)

152.742

Buy

Williams %R

25.424

Buy

TRIX(12,20)

0.024

Sell

StochRSI(14)

57.435

Neutral

Moving Average

Sell(0)

Neutral(0)

Buy(6)

Indicators

Value

Direction

MA5

13.226

Buy

MA10

13.176

Buy

MA20

13.140

Buy

MA50

13.170

Buy

MA100

12.787

Buy

MA200

12.181

Buy

Institutional Confidence

Currency: USD Updated: 2025-11-07

The company’s current institutional recognition score is 3.00, which is lower than the Banking Services industry's average of 5.27. The latest institutional shareholding proportion is 24.25%, representing a quarter-over-quarter decrease of 70.19%. The largest institutional shareholder is The Vanguard, holding a total of 716.53K shares, representing 2.83% of shares outstanding, with 3.72% decrease in holdings.

Score

Industry at a Glance

Previous score

3.00

Change

Institutional Shareholding

No Data

Shareholder Activity

Name

Shares Held

Chg %

Pioneer Bancorp, MHC

14.29M

M3F, Inc.

2.09M

-9.91%

The Vanguard Group, Inc.

Star Investors

716.53K

-6.10%

BlackRock Institutional Trust Company, N.A.

550.54K

-6.43%

AllianceBernstein L.P.

451.80K

+2.70%

Private Capital Management

Star Investors

358.70K

+38.01%

Geode Capital Management, L.L.C.

252.55K

+0.04%

Dimensional Fund Advisors, L.P.

213.64K

+8.90%

State Street Investment Management (US)

182.83K

+3.51%

Bridgeway Capital Management, LLC

169.98K

+4.08%

Risk Assessment

Currency: USD Updated: 2025-11-07

The company’s current risk assessment score is 4.29, which is lower than the Banking Services industry's average of 6.61. The company's beta value is 0.45. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets.