Pioneer Bancorp, Inc. (PBFS) is a Financials stock trading at $18.27 (as of 2026-09-02), with a market capitalization of $453.86M and a trailing P/E of 26.9. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.
Pioneer 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.
Pioneer Bancorp operates Pioneer Savings Bank, a New York community bank that gathers deposits and extends commercial, real estate, and consumer loans. It earns the interest spread between what it pays depositors and what borrowers repay, supplemented by fee income, across a network of local branches.
Pioneer's entire profit engine is the local interest-rate spread: it pays depositors a rate, lends at a higher rate to New York businesses and homeowners, and the difference (plus modest fees) is the bank's earnings. There is no product diversification or geographic hedge; the spread in one market, funded by one deposit base, drives everything.
Business quality (Unprofitable): The data flags the company as unprofitable on a bottom-line basis despite a positive operating margin, suggesting that provision charges, taxes, or other below-the-line items erase the operating surplus. A 6% ROE is thin for the risk taken on a loan book.
| Price | $18.27 |
| Market Cap | $453.86M |
| P/E Ratio | 26.9 |
| EV / EBITDA | 15.4 |
| Price / Book | 1.38 |
| Price / Sales | 27.85 |
| DCF Value (model) | $11.00 |
| DCF Upside vs Price | -39.8% |
| Revenue (TTM) | $15.81M |
| Net Margin | 128.3% |
| Revenue Growth (YoY) | 7.3% |
| EPS Growth (YoY) | -46.2% |
| Stock P/E | 26.9 |
| Sector P/E (Financials) | 14.9 |
| Industry P/E (Banking) | 12.7 |
| vs Sector | 80.6% |
| vs Industry | 112.2% |
| Top Institutional Holder | M3F, Inc. ($28.84M) |
| Institutional Holders Tracked | 10 |
| Sector | Financials |
| Industry | Banking |
| CEO | Thomas L. Amell |
| Employees | 268 |
| Country | US |
| IPO Date | 2019-07-18 |
Data as of 2026-09-02.
Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.