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Ticker
PBFS

Price
14.00
Stock movement up
+0.13 (0.94%)
Company name
Pioneer Bancorp Inc
Exchange
(NASDAQ
,
Currency
USD
)
Sector
Financial Services >
Banks - Regional
Market cap
351.13M
Ent value
2.05B
Price/Sales
2.86
Price/Book
1.12
Div yield
-
Div growth
-
Growth years
-
FCF payout
-
Trailing P/E
17.70
Forward P/E
-
PEG
-
EPS growth
-
1 year return (CAGR)
24.11%
3 year return (CAGR)
-
5 year return (CAGR)
-
10 year return (CAGR)
-
Last updated: 2026-01-22

DIVIDENDS

PBFS does not pay dividends or no data was received

VALUATION

Valuation Ratios

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Valuation Ratios data
Trailing P/E17.70
Price to OCF15.13
Price to FCF17.15
Price to EBITDA24.72
EV to EBITDA144.44

Valuation (Sales/Book Value)

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Valuation (Sales/Book Value) data
Price to Sales2.86
Price to Book1.12
EV to Sales16.73

FINANCIALS

Per share

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Per share data
Current share count25.08M
EPS (TTM)0.81
FCF per share (TTM)0.83

Income statement

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Income statement data
Revenue (TTM)122.63M
Gross profit (TTM)68.11M
Operating income (TTM)25.38M
Net income (TTM)19.84M
EPS (TTM)0.81
EPS (1y forward)-

Margins

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Margins data
Gross margin (TTM)55.54%
Operating margin (TTM)20.69%
Profit margin (TTM)16.18%

Balance Sheet

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Balance Sheet data
Cash228.55M
Net receivables1.61B
Total current assets2.10B
Goodwill10.88M
Intangible assets2.35M
Property, plant and equipment0.00
Total assets2.24B
Accounts payable0.00
Short/Current long term debt0.00
Total current liabilities0.00
Total liabilities1.93B
Shareholder's equity314.20M
Net tangible assets0.00

Cash flow

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Cash flow data
Operating cash flow (TTM)23.21M
Capital expenditures (TTM)2.73M
Free cash flow (TTM)20.47M
Dividends paid (TTM)0.00

Financial returns

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Financial returns data
Return on Equity6.31%
Return on Assets0.88%
Return on Invested Capital6.31%
Cash Return on Invested Capital6.52%

STOCK INFORMATION

Stock chart

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Stock price data
Open13.92
Daily high14.11
Daily low13.90
Daily Volume8K
All-time high15.31
1y analyst estimate-
Beta0.45
EPS (TTM)0.81
Dividend per share0.00
Ex-div date-
Next earnings date22 Jan 2026

Downside potential

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Downside potential data
PBFSS&P500
Current price drop from All-time high-8.56%-0.89%
Highest price drop-29.92%-19.00%
Date of highest drop10 Oct 20248 Apr 2025
Avg drop from high-20.13%-2.49%
Avg time to new high-6 days
Max time to new high322 days89 days
COMPANY DETAILS
PBFS (Pioneer Bancorp Inc) company logo
Marketcap
351.13M
Marketcap category
Small-cap
Description
Pioneer Bancorp, Inc. operates as a holding company for Pioneer Bank, National Association that provides various banking products and services in New York. It accepts various deposit accounts, such as demand, savings, and money market accounts, as well as certificates of deposit. The company's loan products include commercial real estate, commercial and industrial, commercial construction, residential mortgage, and consumer loans; and home equity loans and lines of credit. It also invests in securities, including U.S. treasury securities, fixed-rate mortgage-backed securities and collateralized mortgage obligations, fixed-rate investment grade bonds, and corporate debt securities. In addition, the company offers personal and commercial insurance products, including homeowners, automobile, and comprehensive business insurance; employee benefit products and consulting services, such as group health, dental, disability, and life insurance products; defined contribution and 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. Pioneer Bancorp, Inc. was founded in 1889 and is based in Albany, New York. Pioneer Bancorp, Inc. is a subsidiary of Pioneer Bancorp MHC.
Employees
265
Investor relations
-
SEC filings
CEO
Thomas L. Amell
Country
USA
City
Albany
Stock type
Common stock
CCC status
-
Dividend Frequency
-
EVENTS AND PRESENTATIONS
EventsPresentations
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UNDERSTAND THE BUSINESS
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COMPANY NEWS
Seeking AlphaPress releases
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