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Pioneer Bancorp Inc (PBFS)

Pioneer Bancorp Inc. is a common stock listing on NASDAQ for the holding company of Pioneer Bank, National Association. Through its bank subsidiary, the company provides deposit accounts, including demand, savings, money market, and certificates of deposit, along with a range of lending activities such as commercial real estate, commercial and industrial, commercial construction, residential mortgage, consumer, and home equity lending, as well as lines of credit. It also holds a securities portfolio that includes U.S. Treasury securities, mortgage-backed securities, collateralized mortgage obligations, investment-grade bonds, and corporate debt securities. In addition, Pioneer Bancorp offers insurance products, employee benefit and consulting services, and wealth management services. The company was founded in 1889 and is based in Albany, New York, and it operates as a subsidiary of Pioneer Bancorp MHC.


Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Market Outlook FAQ

Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Overall Financial Health Dividend Yield P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Total Debt / Total Capital Free Float / Shares Outstanding Free Cash Flow / Net Income
NASDAQ-PBFS
$17.27
-5.3% Downside
Fair
Not available
Not available
Fair
0.0%
35.0x
1.3x
4.3x
441.4 M
1.9%
31.1%
179.1%
Valuation • Fair Value

Pioneer Bancorp Inc (NASDAQ-PBFS) Fair Value by Valuation Model

Review the available estimates for Pioneer Bancorp Inc (NASDAQ-PBFS), including Ben Graham Formula Value, Comps Fair Value.

Primary Valuation Read

Fair Value

$17.27

Estimated downside of 5.3% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

Ben Graham Formula Value

$5.78

Classic Ben Graham valuation formula reference.

Comps Fair Value

$17.27

Comparable-company valuation reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use the 4 available valuation references for Pioneer Bancorp Inc (NASDAQ-PBFS) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for Pioneer Bancorp Inc (NASDAQ-PBFS)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

103.1 M

Current operating scale indicator.

Revenue Forecast

95.834 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

How to read profitability and growth

This section helps investors review Pioneer Bancorp Inc (NASDAQ-PBFS) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Pioneer Bancorp Inc (NASDAQ-PBFS)

Review the financial quality and risk indicators currently supported by the latest data.

Financial Health

Fair

Mixed or neutral financial-health read.

Piotroski Score

6

Mid-range quality score.

FCF / Net Income

179.1%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Pioneer Bancorp Inc (NASDAQ-PBFS). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Dividend Profile for Pioneer Bancorp Inc (NASDAQ-PBFS)

Review the dividend metrics currently supported by the latest data.

Dividend Yield

0.0%

No current dividend yield is indicated.

How to read events and dividends

The latest data indicates no current dividend yield for Pioneer Bancorp Inc (NASDAQ-PBFS). No upcoming dividend amount or event date is currently available.

Technical Outlook

Technical Signals by Time Frame

Review the technical signals currently available for this stock across supported time frames.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Sell

The 15-minute technical read for Pioneer Bancorp Inc (NASDAQ-PBFS) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Sell

The 1-hour technical read for Pioneer Bancorp Inc (NASDAQ-PBFS) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Buy

The daily technical read for Pioneer Bancorp Inc (NASDAQ-PBFS) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Pioneer Bancorp Inc (NASDAQ-PBFS) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Pioneer Bancorp Inc (NASDAQ-PBFS) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

FAQ • Fast Investor Answers

Pioneer Bancorp Inc (NASDAQ-PBFS) Stock FAQ

Data-supported answers about Pioneer Bancorp Inc (NASDAQ-PBFS), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
$17.27
Estimated downside 5.3%
Valuation Rating
Overvalued
Estimated downside of 5.3%
Financial Health
Fair
Current financial-health read

The current fair value estimate for Pioneer Bancorp Inc (NASDAQ-PBFS) is $17.27. This implies an estimated downside of 5.3% versus the current market price.

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 5.3% versus the current market price.

The current financial health read for Pioneer Bancorp Inc (NASDAQ-PBFS) is Fair. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The latest available data indicates no current dividend yield for Pioneer Bancorp Inc (NASDAQ-PBFS).

The current P/E ratio listed for Pioneer Bancorp Inc (NASDAQ-PBFS) is 35.0x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Pioneer Bancorp Inc is 441.4 M.

The ticker symbol for Pioneer Bancorp Inc is NASDAQ-PBFS, and the stock is listed on NASDAQ.

Pioneer Bancorp Inc (NASDAQ-PBFS) is listed on NASDAQ.

The current debt-to-total-capital ratio listed for Pioneer Bancorp Inc is 1.9%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Pioneer Bancorp Inc is 31.1%. Free float helps investors understand how much of the share base is available for public trading.

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