| Index | — | P/E | 23.06 | EPS (ttm) | 0.80 | Insider Own | 3.21% | Shs Outstand | 24.84M | Perf Week | 1.15% |
| Market Cap | 458.33M | Forward P/E | — | EPS next Y | — | Insider Trans | 0.00% | Shs Float | 10.08M | Perf Month | 3.83% |
| Enterprise Value | 159.33M | PEG | — | EPS next Q | — | Short Float | 1.26% | Perf Quarter | 7.45% | ||
| Income | 18.00M | P/S | 3.45 | EPS this Y | — | Short Ratio | 9.80 | Perf Half Y | 29.75% | ||
| Sales | 133.00M | P/B | 1.41 | EPS next Y | — | ROA | 0.76% | Short Interest | 126.91K | Perf YTD | 36.87% |
| Book/sh | 13.04 | P/C | 1.29 | EPS next 5Y | — | ROE | 5.22% | 52W High | 19.91 -7.18% | Perf Year | 40.73% |
| Cash/sh | 14.25 | P/FCF | 35.26 | EPS past 3/5Y | -1.56% 80.77% | ROIC | 4.66% | 52W Low | 13.00 42.15% | Perf 3Y | 124.73% |
| Dividend Est. | — | EV/EBITDA | 5.90 | Sales past 3/5Y | 14.32% 16.18% | Gross Margin | 73.05% | Volatility | 1.48% 2.00% | Perf 5Y | 44.71% |
| Dividend TTM | — | EV/Sales | 1.20 | EPS Y/Y TTM | — | Oper. Margin | 15.89% | ATR (14) | 0.37 | Perf 10Y | — |
| Dividend Ex-Date | — | Quick Ratio | 0.11 | Sales Y/Y TTM | — | Profit Margin | 12.49% | RSI (14) | 62.80 | Recom | — |
| Dividend Gr. 3/5Y | — | Current Ratio | 0.11 | EPS Q/Q | -46.15% | SMA20 | 3.32% | Beta | 0.42 | Target Price | — |
| Payout | 0.00% | Debt/Eq | 0.17 | Sales Q/Q | 6.67% | SMA50 | 3.31% | Rel Volume | 1.26 | Prev Close | 18.45 |
| Employees | 269 | LT Debt/Eq | 0.01 | Earnings | Jan 29 | SMA200 | 15.55% | Avg Volume | 13.08K | Price | 18.48 |
| IPO Date | Jul 18, 2019 | Option/Short | Yes / Yes | EPS/Sales Surpr. | — | Net Debt/EBITDA | -11.07 | Volume | 16,513 | Change | 0.16% |
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.
Per-holder 13F data hasn't been ingested for this ticker yet.
| Line Item (USD, M) | TTM — | FY 2026 12/31/2025 | FY 2025 6/30/2025 | 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 | 133 | 127 | 88 | 99 | — | — | — | — | — | |
| Cost of Goods Sold Incl. D&A | 36 | 34 | 17 | 25 | — | — | — | — | — | |
| Gross Profit | 97 | 93 | 88 | 74 | — | — | — | — | — | |
| Selling, General and Administrative Excl. Other | 36 | 37 | 13 | 32 | — | — | — | — | — | |
| Research and Development | 0 | 0 | 0 | 0 | — | — | — | — | — | |
| Other Operating Expense | 37 | 29 | 42 | 23 | — | — | — | — | — | |
| Operating Income | 25 | 26 | 33 | 19 | — | — | — | — | — | |
| Interest Expense | 30 | 30 | 14 | 22 | — | — | — | — | — | |
| Unusual Expense | — | — | — | — | — | — | — | — | — | |
| Non-Operating Income (Expense) | 30 | 30 | 6 | 22 | — | — | — | — | — | |
| Net Income Before Taxes | 25 | 26 | 25 | 19 | — | — | — | — | — | |
| Income Taxes | 4 | 6 | 6 | 4 | — | — | — | — | — | |
| Consolidated Net Income | 18 | 20 | 19 | 15 | — | — | — | — | — | |
| Net Income From Continuing Operations | 18 | 20 | 19 | 15 | — | — | — | — | — | |
| Net Income | 18 | 20 | 19 | 15 | — | — | — | — | — | |
| EPS (Recurring) | 0.80 | 0.83 | 0.76 | 0.61 | — | — | — | — | — | |
| EPS (Basic, Before Extraordinaries) | 0.80 | 0.83 | 0.76 | 0.61 | — | — | — | — | — | |
| EPS (Diluted) | 0.80 | 0.83 | 0.76 | 0.61 | — | — | — | — | — | |
| EBITDA | 27 | 28 | 3 | 22 | — | — | — | — | — | |
| Other After Tax Adjustments | — | — | — | — | — | — | — | — | — | |
| Stock Option Compensation Expense | — | — | — | — | — | — | — | — | — | |
| Price To Earnings Ratio | 23.10 | 16.24 | 15.83 | 16.41 | — | — | — | — | — | |
| Price To Sales Ratio | 3.33 | 2.55 | 3.42 | 2.53 | — | — | — | — | — | |
| Gross Margin | 72.93 | 73.23 | 100.00 | 74.75 | — | — | — | — | — | |
| Operating Margin | 18.80 | 20.47 | 37.50 | 19.19 | — | — | — | — | — | |
| Net Margin | 13.53 | 15.75 | 21.59 | 15.15 | — | — | — | — | — | |
| Shares Outstanding | 24 | 24 | 25 | 25 | — | — | — | — | — | |
| Market Capitalization | 444 | 324 | 301 | 250 | — | — | — | — | — | |
| Operating Lease Expense | — | — | — | — | — | — | — | — | — |
| 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 |