PBFS — Pioneer Bancorp, Inc. stock price, charts and financials

NASDAQ·Financial Services·Banks - Regional·USA

Latest market price

17.17

-0.28-1.60%

Overview Short InterestFilings

PBFSQT72Pioneer Bancorp, Inc.·NASDAQ

Overview Short InterestFilings

17.17-1.60%

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Signal & projected range

QT Score downgradeHistorical pattern — not a prediction

Range still being built for this setupWe don’t yet have a frozen historical track record for qt score downgrade to describe a reliable spread of outcomes. The projected range appears once its backtest is established.

Ranges describe how this exact setup resolved in the past — derived from thousands of historical occurrences across QuoTrend’s coverage since 2006, survivorship-corrected to include companies that later delisted. The band is the typical spread (±1σ) of those outcomes, not a forecast; the central value is their average move. Fewer matching cases over longer horizons widen the band and lower its reliability. Backtested results are hypothetical, based on historical data, and do not represent actual trading. Past performance does not guarantee or predict future results. QuoTrend is an educational research tool, not investment advice. Markets involve risk, including loss of principal.

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DCOM+1.29%$41.74 TCBK+1.02%$58.63 CASH-1.38%$89.50 STBA+0.57%$52.68 TFIN+4.18%$79.83 GABC+0.18%$51.19 NBHC+0.65%$43.47 STEL+0.03%$39.32

Snapshot

Index	-	P/E	15.75	EPS (ttm)	1.09	Insider Own	3.13%	Shs Outstand	25.08M	Perf Week	-4.72%

Market Cap	430.57M	Forward P/E	-	EPS next Y	-	Insider Trans	0.00%	Shs Float	10.32M	Perf Month	0.82%

Enterprise Value	131.57M	PEG	-	EPS next Q	-	Inst Own	-	Short Float	0.45%	Perf Quarter	20.75%

Income	26.00M	P/S	2.73	EPS this Y	-	Inst Trans	-	Short Ratio	5.83	Perf Half Y	20.66%

Sales	158.00M	P/B	1.33	EPS next Y	-	ROA	0.91%	Short Interest	113.77K	Perf YTD	27.37%

Book/sh	12.92	P/C	1.22	EPS next 5Y	-	ROE	6.29%	52W High	19.42 -11.59%	Perf Year	39.59%

Cash/sh	14.12	P/FCF	55.14	EPS past 3/5Y	-1.56% 80.77%	ROIC	5.61%	52W Low	12.21 40.62%	Perf 3Y	74.49%

Dividend Est.	-	EV/EBITDA	3.65	Sales past 3/5Y	14.32% 16.18%	Gross Margin	73.10%	Volatility	2.91% 2.69%	Perf 5Y	49.30%

Dividend TTM	-	EV/Sales	0.83	EPS Y/Y TTM	43.42%	Oper. Margin	20.91%	ATR (14)	0.55	Perf 10Y	-

Dividend Ex-Date	-	Quick Ratio	0.11	Sales Y/Y TTM	79.55%	Profit Margin	16.02%	RSI (14)	49.46	Recom	-

Dividend Gr. 3/5Y	-	Current Ratio	0.11	EPS Q/Q	107.69%	SMA20	-0.72%	Beta	0.39	Target Price	-

Payout	0.00%	Debt/Eq	0.00	Sales Q/Q	0.00%	SMA50	2.22%	Rel Volume	0.76	Prev Close	17.45

Employees	268	LT Debt/Eq	0.01	Earnings	Oct 29	SMA200	17.37%	Avg Volume	19.91K	Price	17.17

IPO Date	Jul 18, 2019	Option/Short	Yes / Yes	EPS/Sales Surpr.	-	Net Debt/EBITDA	-5.10	Volume	15,159	Change	-1.60%

Latest News

Jul-01-26

Jul-01-2611:05AM

PBFS's Valuation Remains Premium: Is It Worth Overpaying for?zacks.com

Company

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.

Ownership

Per-holder 13F data hasn't been ingested for this ticker yet.

Financial Statements

DataTimeframe

Line Item (USD, M)	TTM —	FY 2026 12/31/2025	FY 2025 12/31/2024	FY 2024 6/30/2024	FY 2023 6/30/2023	FY 2022 6/30/2022	FY 2021 6/30/2021	FY 2020 6/30/2020	FY 2019 6/30/2019
Total Revenue	158	127	88	99	85	58	60	69	69
Cost of Goods Sold Incl. D&A	43	34	17	25	5	1	6	12	23
Gross Profit	115	93	88	74	80	57	54	58	46
Selling, General and Administrative Excl. Other	45	37	13	32	30	23	28	26	24
Research and Development	0	0	0	0	0	0	0	0	0
Other Operating Expense	36	29	42	23	22	21	23	26	14
Operating Income	35	26	33	19	28	13	3	6	8
Interest Expense	38	30	14	22	5	1	2	5	4
Unusual Expense	—	—	—	—	—	—	—	—	—
Non-Operating Income (Expense)	38	30	6	22	5	1	2	5	4
Net Income Before Taxes	35	26	25	19	28	13	3	6	8
Income Taxes	8	6	6	4	6	3	2	1	1
Consolidated Net Income	26	20	19	15	22	10	1	5	7
Net Income From Continuing Operations	26	20	19	15	22	10	1	5	7
Net Income	26	20	19	15	22	10	1	5	7
EPS (Recurring)	1.09	0.83	0.77	0.61	0.87	0.41	0.04	0.21	0.65
EPS (Basic, Before Extraordinaries)	1.09	0.83	0.77	0.61	0.87	0.41	0.04	0.21	0.65
EPS (Diluted)	1.09	0.83	0.76	0.61	0.87	0.41	0.04	0.21	0.65
EBITDA	36	28	3	22	31	16	6	9	11
Other After Tax Adjustments	—	—	—	—	—	—	—	—	—
Stock Option Compensation Expense	—	—	—	—	—	—	—	—	—
Price To Earnings Ratio	15.75	16.24	15.16	16.41	10.29	23.90	279.53	43.57	—
Price To Sales Ratio	2.61	2.55	3.27	2.53	2.63	4.22	5.01	3.32	—
Gross Margin	72.78	73.23	100.00	74.75	94.12	98.28	90.00	84.06	66.67
Operating Margin	22.15	20.47	37.50	19.19	32.94	22.41	5.00	8.70	11.59
Net Margin	16.46	15.75	21.59	15.15	25.88	17.24	1.67	7.25	10.14
Shares Outstanding	24	24	25	25	25	25	25	25	11
Market Capitalization	412	324	288	250	224	245	301	229	—
Operating Lease Expense	—	—	—	—	—	—	—	—	—

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Insider Trading Volume

Insider Trading

Insider	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
Tomczak Jesse	EVP and CBO	Dec 12 '25	Sale	14.69	5,395	79,244	41,000	Dec 15
Mahoney Shaun	Director	Jun 13 '24	Buy	10.41	4,500	46,845	4,500	Jun 14
Reed James K	Director	Jul 19 '19	Buy	14.45	1,000	14,450	5,000	Jul 22
Reed James K	Director	Jul 18 '19	Buy	14.16	4,000	56,651	4,000	Jul 22

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QuoTrend signals describe historical patterns and statistics — educational information, not investment advice or a recommendation to buy or sell. Past performance doesn’t guarantee future results. Every figure traces to QuoTrend data. Historical patterns — not a prediction or advice.