NASDAQ: PBFS
Pioneer Bancorp Inc Stock

$16.87+0.06 (+0.36%)
Updated Jun 12, 2026
PBFS Price
$16.87
Fair Value Price
N/A
Market Cap
$423.05M
52 Week Low
$11.40
52 Week High
$17.04
P/E
20.57x
P/B
1.29x
P/S
3.55x
PEG
1.05x
Dividend Yield
N/A
Revenue
$94.41M
Earnings
$19.81M
Gross Margin
100%
Operating Margin
26.24%
Profit Margin
21%
Debt to Equity
5.76
Operating Cash Flow
$14M
Beta
0.38
Next Earnings
Jul 29, 2026
Ex-Dividend
N/A
Next Dividend
N/A

PBFS Overview

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.

Zen Rating

Our proven quant model uses 115 proprietary factors, including AI, to determine PBFS's potential to beat the market

Zen Rating Component Grades

N/A
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.

Industry: Bank

Industry Rating
D
PBFS
Ranked
Unranked of 283

Top Ranked Stocks in Industry

View Top Bank Stocks

Be the first to know about important PBFS news, forecast changes, insider trades & much more!

Overview

Due Diligence Score

Industry Average (38)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how PBFS scored across 33 valuation, financial, forecast, performance, and dividend due diligence checks.

Due Diligence Checks

PBFS ($16.87) is trading above its intrinsic value of $9.83, according to an updated version of Benjamin Graham's Formula from Chapter 11 of "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
PBFS is poor value based on its earnings relative to its share price (20.57x), compared to the US market average (14.15x)
P/E vs Market Valuation
PBFS is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
There are 30 more PBFS due diligence checks available for Premium users.

Valuation

PBFS price to earnings (PE)

For valuing profitable companies with steady earnings

Company
20.57x
Industry
13.98x
Market
14.15x
PBFS is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
PBFS is poor value based... subscribe to Premium to read more.
P/E vs Market Valuation

PBFS price to book (PB)

For valuing companies that are loss-making or have lots of physical asset

Company
1.29x
Industry
1.28x
PBFS is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation

PBFS price to earnings growth (PEG)

For valuing profitable companies with growth potential

PBFS is poor value relative... subscribe to Premium to read more.
PEG Value Valuation

PBFS's financial health

Profit margin

Revenue
$23.8M
Net Income
$5.3M
Profit Margin
22.2%
PBFS's Earnings (EBIT) of $24.78M... subscribe to Premium to read more.
Interest Coverage Financials
PBFS's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$2.2B
Liabilities
$1.9B
Debt to equity
5.76
PBFS's debt relative to shareholder... subscribe to Premium to read more.
Shrinking Debt Financials
PBFS's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
-$161.0k
Investing
-$37.9M
Financing
$61.4M
PBFS's operating cash flow ($14.48M)... subscribe to Premium to read more.
Debt Coverage Financials

PBFS vs Bank Stocks

TickerZen RatingMarket Cap1d %P/EP/B
PBFS$423.05M+0.36%20.57x1.29x
CBKC$421.73M+0.03%N/A1.44x
BMRCC$425.47M+0.61%-13.01x1.08x
RBBC$418.99M+0.98%10.39x0.79x
ISTRB$415.88M+1.24%12.46x1.00x

Pioneer Bancorp Stock FAQ

What is Pioneer Bancorp's quote symbol?

(NASDAQ: PBFS) Pioneer Bancorp trades on the NASDAQ under the ticker symbol PBFS. Pioneer Bancorp stock quotes can also be displayed as NASDAQ: PBFS.

If you're new to stock investing, here's how to buy Pioneer Bancorp stock.

What is the 52 week high and low for Pioneer Bancorp (NASDAQ: PBFS)?

(NASDAQ: PBFS) Pioneer Bancorp's 52-week high was $17.04, and its 52-week low was $11.40. It is currently -1% from its 52-week high and 47.98% from its 52-week low.

How much is Pioneer Bancorp stock worth today?

(NASDAQ: PBFS) Pioneer Bancorp currently has 25,076,801 outstanding shares. With Pioneer Bancorp stock trading at $16.87 per share, the total value of Pioneer Bancorp stock (market capitalization) is $423.05M.

Pioneer Bancorp stock was originally listed at a price of $14.75 in Jul 18, 2019. If you had invested in Pioneer Bancorp stock at $14.75, your return over the last 6 years would have been 14.37%, for an annualized return of 2.26% (not including any dividends or dividend reinvestments).

How much is Pioneer Bancorp's stock price per share?

(NASDAQ: PBFS) Pioneer Bancorp stock price per share is $16.87 today (as of Jun 12, 2026).

What is Pioneer Bancorp's Market Cap?

(NASDAQ: PBFS) Pioneer Bancorp's market cap is $423.05M, as of Jun 15, 2026.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Pioneer Bancorp's market cap is calculated by multiplying PBFS's current stock price of $16.87 by PBFS's total outstanding shares of 25,076,801.
WallStreetZen does not provide financial advice and does not issue recommendations or offers to buy stock or sell any security.

Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.