Zacks Investment Research·Jul 1, 2026
PBFS's Valuation Remains Premium: Is It Worth Overpaying for?PBFS trades near its 52-week high as acquisitions, loan and deposit growth, and stronger core banking performance support its premium valuation.
Pioneer Bancorp, Inc.(PBFS)Earnings, Financials & Key Ratios
PBFS•NASDAQ•Banking & Credit
$16.95
22.3× P/E·Price updated Jul 7, 2026
AboutPioneer Bancorp, Inc. operates as a holding company for Pioneer Savings Bank that provides various banking products and services in New York. The company accepts various deposit products, such as demand, savings, and money market accounts, as well as certificates of deposit accounts. Its loan products include commercial real estate, commercial and industrial, commercial construction, one- to four-family residential real estate, home equity, and consumer loans; and home equity lines of credit. The company also invests in the U.S. governmental securities, fixed rate collateralized mortgage obligations, mortgage-backed securities, fixed-rate investment grade bonds, and equity securities. In addition, the company offers personal and commercial insurance products, including homeowners, automobile, and comprehensive business insurance; employee benefit products and services, such as group health, dental, disability, and life insurance products, as well as defined contribution, defined benefit administration, and human resource management services; and wealth management services comprising investment advice, retirement income planning, estate planning, business succession, and employer retirement planning. It operates through a network of 22 retail banking offices in Albany, Greene, Rensselaer, Saratoga, Schenectady, and Warren Counties in New York. The company was founded in 1889 and is based in Albany, New York. Pioneer Bancorp, Inc. operates as a subsidiary of Pioneer Bancorp, MHC.Show more
- Net Interest Income$0-100.0%
- Total Revenue$88M-10.7%
- Net Income$19M+25.8%
- Return on Equity6.29%+16.0%
- Net Interest Margin0%-100.0%
- Efficiency Ratio62.71%+13.0%
- ROA0.96%+18.3%
- Equity / Assets14.99%-4.2%
- Book Value per Share12.52+6.5%
PBFS Price & Volume
Pioneer Bancorp, Inc. (PBFS) stock price & volume — 10-year historical chart
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Fortress Balance Sheet Masks Stagnant Asset Growth
Investment Thesis • Updated 2026Q3
VerdictNeutral
Growth:Mixed
Profitability:Moderate
Financial:Fortress
Cash Flow:Mixed
Primary Risk:CRE concentration and liquidity
Key Thesis Takeaways
- Pioneer Bancorp maintains a fortress-like balance sheet with an equity-to-assets ratio of 15%, providing a significant buffer against regional commercial real estate volatility.
- While net interest income has shown resilience with an 8.7% year-over-year growth in 2026Q3, the bank faces challenges in deploying its liquidity into higher-yielding assets, resulting in stagnant total asset levels of $2.2 billion.
- Investors should monitor the bank's ability to improve its 0.2% return on assets while navigating the inherent risks of its concentrated New York Capital Region footprint.
Verdict Logic
while the bank maintains a solid 15% equity-to-assets ratio, the current 22.11 P/E TTM and stagnant asset growth suggest limited near-term upside potential.
PBFS Growth Metrics
Pioneer Bancorp, Inc. (PBFS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years4.95%
3 Years15.02%
TTM-
Profit CAGR
10 Years-
5 Years29.87%
3 Years23.15%
TTM2.71%
EPS CAGR
10 Years-
5 Years29.34%
3 Years22.84%
TTM5.19%
Return on Capital
10 Years6.9%
5 Years6.25%
3 Years8.42%
Last Year9.67%
PBFS Recent Earnings
Pioneer Bancorp, Inc. (PBFS) EPS & revenue vs analyst estimates — last 4 quarters
Q2 2026Latest
May 11, 2026Metric
Actual
Est
EPS
$0.22
—
Rev
$32M
—
Q2 2026
Apr 30, 2026Metric
Actual
Est
EPS
$0.22
—
Rev
$32M
—
Q1 2026
Feb 12, 2026Metric
Actual
Est
EPS
$0.13
—
Rev
$33M
—
Q1 2026
Feb 5, 2026Metric
Actual
Est
EPS
$0.13
—
Rev
$33M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 11, 2026 | $0.22 | $32M |
| Q2 2026 | Apr 30, 2026 | $0.22 | $32M |
| Q1 2026 | Feb 12, 2026 | $0.13 | $33M |
| Q1 2026 | Feb 5, 2026 | $0.13 | $33M |
Based on last 12 quarters of dataView full earnings history →
Latest PBFS News
Recent stock market news and headlines for Pioneer Bancorp, Inc. (PBFS)
Peers Comparison
Key metrics vs top competitors for Pioneer Bancorp, Inc. (PBFS)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $16.95 | $425.05M | 22.30 | -10.72% | 21.79% | 6.29% | — | |
| $39.64 | $1.75B | 16.73 | 13.03% | 16.65% | 8.46% | — | |
| $49.63 | $2.58B | 14.90 | 10.36% | 19.66% | 9.83% | — | |
| $9.31 | $585.91M | 22.17 | 5.09% | 10.39% | 4.75% | — | |
| $14.84 | $619.78M | 749.49 | -26.69% | 1.79% | 0.68% | — | |
| $54.71 | $956.05M | 16.83 | 5.77% | 22.43% | 9.21% | — |
Compare PBFS vs Peers
Pioneer Bancorp, Inc. (PBFS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
PBFS SEC Filings & Documents
Pioneer Bancorp, Inc. (PBFS) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
Apr 30, 2026·SEC
Material company update
Apr 28, 2026·SEC
Material company update
Apr 22, 2026·SEC
10-K Annual Reports
310-Q Quarterly Reports
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PBFS Frequently Asked Questions
Pioneer Bancorp, Inc. (PBFS) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Pioneer Bancorp, Inc. growing?
Pioneer Bancorp, Inc. (PBFS) saw revenue decline by 10.7% over the past year.
Is PBFS profitable?
Yes, Pioneer Bancorp, Inc. (PBFS) is profitable, generating $19.8M in net income for fiscal year 2025 (21.8% net margin).
Dividend & Returns
What is PBFS's return on equity?
Pioneer Bancorp, Inc. (PBFS) has a return on equity (ROE) of 6.3%. This is below average, suggesting room for improvement.
Industry Metrics
What is Pioneer Bancorp, Inc.'s efficiency ratio?
Pioneer Bancorp, Inc. (PBFS) has an efficiency ratio of 62.7%. This is reasonable for a bank.