Financhill
Sell
43

PBFS Quote, Financials, Valuation and Earnings

Last price:
$13.91
Seasonality move :
-4.48%
Day range:
$13.74 - $14.00
52-week range:
$10.60 - $15.18
Dividend yield:
0%
P/E ratio:
16.99x
P/S ratio:
2.72x
P/B ratio:
1.06x
Volume:
8.4K
Avg. volume:
16.1K
1-year change:
21.85%
Market cap:
$346.8M
Revenue:
$126.7M
EPS (TTM):
$0.82

Analysts' Opinion

  • Consensus Rating
    No consensus rating exists at this time due to lack of analyst coverage.
  • Price Target Downside
    No price target exists because of limited analyst coverage.
  • Price Target Upside
    Similarly, at this time, analysts have not provided a price target so downside risk can't be assessed accurately at this time.

Fair Value

  • According to the consensus of 0 analysts, Pioneer Bancorp, Inc. (New York) has -- downside to fair value with a price target of -- per share.

PBFS vs. S&P 500

  • Over the past 5 trading days, Pioneer Bancorp, Inc. (New York) has overperformed the S&P 500 by 0.19% suggesting its relative strength compared to the major market average is strong at this time.

Share Buyback

  • Pioneer Bancorp, Inc. (New York) does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.

Revenue Growth

  • Pioneer Bancorp, Inc. (New York) has grown year-over-year revenues for 3 quarters straight. In the most recent quarter Pioneer Bancorp, Inc. (New York) reported revenues of $33.2M.

Earnings Growth

  • Pioneer Bancorp, Inc. (New York) has grown year-over-year earnings for 0 quarters straight. In the most recent quarter Pioneer Bancorp, Inc. (New York) reported earnings per share of $0.15.
Enterprise value:
396.2M
EV / Invested capital:
--
Price / LTM sales:
2.72x
EV / EBIT:
6.97x
EV / Revenue:
3.13x
PEG ratio (5yr expected):
0.44x
EV / Free cash flow:
45.03x
Price / Operating cash flow:
39.13x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
0.95%
Net Income Margin (TTM):
16.02%
Return On Equity:
6.43%
Return On Invested Capital:
6.16%
Operating Margin:
22.08%
Trailing 12 Months Fiscal Quarters
Period Ending 2023-12-31 2024-12-31 2025-12-31 2024-12-31 2025-12-31
Income Statement
Revenue $88.4M -- $126.7M -- $33.2M
Gross Profit -- -- -- -- --
Operating Income $15.8M -- $28.5M -- $7.3M
EBITDA -- -- -- -- --
Diluted EPS $0.68 $0.59 $0.82 -- $0.15
Period Ending 2021-12-31 2022-12-31 2023-12-31 2024-12-31 2025-12-31
Balance Sheet
Current Assets $358.3M $147.3M $147.3M -- $142.6M
Total Assets $1.8B $1.8B $1.9B -- $2.2B
Current Liabilities $554.2M -- $474.5M -- $1.5B
Total Liabilities $1.6B -- $1.6B $1.7B $1.8B
Total Equity $244M $249.7M $283.8M -- $323.9M
Total Debt -- -- $5.8M $40M $3.9M
Trailing 12 Months Fiscal Quarters
Period Ending 2023-12-31 2024-12-31 2025-12-31 2024-12-31 2025-12-31
Cash Flow Statement
Cash Flow Operations -- -- $11.1M -- $5.7M
Cash From Investing -- -- -$125.8M -- $585K
Cash From Financing -- -- $151.8M -- -$101.1M
Free Cash Flow -- -- $8.8M -- $5.5M
PBFS
Sector
Market Cap
$346.8M
$544.9M
Price % of 52-Week High
92.23%
86.06%
Dividend Yield
0%
1.93%
Shareholder Yield
0.1%
2.67%
1-Year Price Total Return
21.85%
7.54%
Beta (5-Year)
0.426
0.429
Dividend yield:
0%
Annualized payout:
$0.00
Payout ratio:
--
Growth streak:
0 years

Technicals

8-day SMA
Buy
Level $13.76
200-day SMA
Buy
Level $13.31
Bollinger Bands (100)
Buy
Level 13.35 - 14.35
Chaikin Money Flow
Sell
Level -487.4K
20-day SMA
Buy
Level $13.74
Relative Strength Index (RSI14)
Buy
Level 52.57
ADX Line
Buy
Level 12.42
Williams %R
Neutral
Level -45.3704
50-day SMA
Sell
Level $14.11
MACD (12, 26)
Sell
Level -0.08
25-day Aroon Oscillator
Sell
Level -60
On Balance Volume
Neutral
Level 476.6K

Financial Scores

Sell
Altman Z-Score (Annual)
Level (-0.3881)
Sell
CA Score (Annual)
Level (-1.911)
--
Beneish M-Score (Annual)
Level (--)
Buy
Momentum Score
Level (7)
Sell
Ohlson Score
Level (4.0053)
Buy
Piotroski F Score (Annual)
Level (6)
Buy
Quality Ratio Score
Level (2)
Buy
Fundamental Score
Level (7)

Revenue Forecast

Earnings per Share Forecast

Company Profile

Pioneer Bancorp, Inc. is a two-tier mutual holding company for Pioneer Bank, which engages in lending activity originating commercial real estate loans, commercial and industrial loans, commercial construction loans and home equity loans, and lines of credit. It operates through the following portfolio segments: Commercial, Residential Mortgages, Home Equity Loans and Lines, and Consumer. The Commercial segment is secured by multi-family and nonresidential real estate and generally has larger balances and involves a greater degree of risk than residential real estate loans. The Residential Mortgages segment focuses on the basis of the borrower's ability to make repayment from his or her employment or other income, and which is secured by real property whose value tends to be more easily ascertainable. The Home Equity Loans and Lines segment includes loans secured by real estate and may entail greater risk than first-lien residential mortgage loans due to a lower lien position. The Consumer segment refers to the unsecured loans and loans secured by assets that depreciate rapidly, such as motor vehicles, and are subject to greater risk. The company was founded in March 2019 and is headquartered in Albany, NY.

Stock Forecast FAQ

In the current month, PBFS has received 0 Buy ratings 0 Hold ratings, and 0 Sell ratings. The PBFS average analyst price target in the past 3 months is --.

  • Where Will Pioneer Bancorp, Inc. (New York) Stock Be In 1 Year?

    According to analysts, the consensus estimate is that Pioneer Bancorp, Inc. (New York) share price will drop to -- per share over the next 12 months.

  • What Do Analysts Say About Pioneer Bancorp, Inc. (New York)?

    Analysts are divided on their view about Pioneer Bancorp, Inc. (New York) share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that Pioneer Bancorp, Inc. (New York) is a Sell and believe this share price will rise from its current level to --.

  • What Is Pioneer Bancorp, Inc. (New York)'s Price Target?

    The price target for Pioneer Bancorp, Inc. (New York) over the next 1-year time period is forecast to be -- according to 0 Wall Street analysts, 0 of them rate the stock a Buy, 0 rate the stock a Sell, and 0 analysts rate the stock a Hold.

  • Is PBFS A Buy, Sell Or Hold?

    According to Wall Street analysts, the consensus rating for Pioneer Bancorp, Inc. (New York) is a --. 0 of 0 analysts rate the stock a -- at this time.

  • How Can I Buy Shares Of PBFS?

    You can purchase shares of Pioneer Bancorp, Inc. (New York) via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase Pioneer Bancorp, Inc. (New York) shares.

  • What Is The Pioneer Bancorp, Inc. (New York) Share Price Today?

    Pioneer Bancorp, Inc. (New York) was last trading at $13.91 per share. This represents the most recent stock quote for Pioneer Bancorp, Inc. (New York). Yesterday, Pioneer Bancorp, Inc. (New York) closed at $14.00 per share.

  • How To Buy Pioneer Bancorp, Inc. (New York) Stock Online?

    In order to purchase Pioneer Bancorp, Inc. (New York) stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.

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