Pioneer Bancorp (PBFS) Stock Price, News & Analysis

Company Overview

Pioneer Bancorp is the bank holding company for Pioneer Bank, a community-based financial institution serving eastern Pennsylvania and southern New Jersey. Through its network of branch offices, the company offers a suite of deposit products, including checking, savings, money market accounts and certificates of deposit. Pioneer Bancorp also provides digital banking services such as online account management, mobile banking and remote deposit capture to meet the needs of both individual and small business customers.

The company’s lending portfolio encompasses a variety of consumer and commercial loan products. Residential mortgage lending remains a core focus, alongside home equity lines of credit. On the commercial side, Pioneer Bancorp extends credit for owner-occupied real estate, commercial construction and equipment financing. Its small business lending includes SBA-backed loans, reflecting the bank’s commitment to supporting local entrepreneurs and community development projects.

Founded in 1998, Pioneer Bancorp has grown through a combination of organic branch expansion and targeted acquisitions, reinforcing its presence in key suburban markets. The bank maintains an active role in regional economic development, partnering with nonprofit organizations and chamber of commerce chapters to support affordable housing and small business growth. Its long-standing membership in the Federal Deposit Insurance Corporation (FDIC) underscores its adherence to regulatory standards and customer protection.

The leadership team is led by President and Chief Executive Officer Gerald P. McFadden, who brings decades of banking experience and community involvement to the role. Under his guidance, Pioneer Bancorp has pursued a strategy of measured growth, investing in digital infrastructure while preserving the personalized service characteristic of community banking. The executive management group includes seasoned professionals in risk management, finance and commercial lending who collectively strive to balance innovation with prudent underwriting practices.

Key Stats

• Today's Range: $12.27 to $12.42
• 50-Day Range: $11.29 to $12.56
• 52-Week Range: $10.07 to $12.65
• Volume: 14,530 shs
• Average Volume: 25,194 shs
• Market Capitalization: $317.18 million
• P/E Ratio: 15.94
• Dividend Yield: N/A
• Price Target: N/A
• Consensus Rating: N/A

Pioneer Bancorp Stock Analysis - MarketRank™

Pioneer Bancorp scored higher than 27% of companies evaluated by MarketBeat, and ranked 801st out of 936 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Pioneer Bancorp.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Pioneer Bancorp is 15.94, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.15.

Price to Earnings Ratio vs. Sector

The P/E ratio of Pioneer Bancorp is 15.94, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 18.92.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.53% of the float of Pioneer Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Pioneer Bancorp has a short interest ratio ("days to cover") of 3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Pioneer Bancorp has recently decreased by 1.99%, indicating that investor sentiment is improving.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Pioneer Bancorp does not currently pay a dividend.

Dividend Growth

Pioneer Bancorp does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.53% of the float of Pioneer Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Pioneer Bancorp has a short interest ratio ("days to cover") of 3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Pioneer Bancorp has recently decreased by 1.99%, indicating that investor sentiment is improving.

News and Social Media

• Score: 3.3 / 5
• News Sentiment: N/A

News Sentiment

Pioneer Bancorp has a news sentiment score of 1.87. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.95 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for Pioneer Bancorp this week, compared to 0 articles on an average week.

Company Ownership

• Score: 0.0 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Pioneer Bancorp insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 2.50% of the stock of Pioneer Bancorp is held by insiders.

PBFS Stock Analysis - Frequently Asked Questions

How have PBFS shares performed this year?

Pioneer Bancorp's stock was trading at $11.52 on January 1st, 2025. Since then, PBFS shares have increased by 6.5% and is now trading at $12.27.

How were Pioneer Bancorp's earnings last quarter?

Pioneer Bancorp, Inc. (NASDAQ:PBFS) released its quarterly earnings results on Friday, May, 9th. The company reported $0.23 earnings per share (EPS) for the quarter. The company earned $22.81 million during the quarter. Pioneer Bancorp had a trailing twelve-month return on equity of 6.35% and a net margin of 16.86%.

How do I buy shares of Pioneer Bancorp?

Shares of PBFS stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Pioneer Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Pioneer Bancorp investors own include Tesla (TSLA), NVIDIA (NVDA), Advanced Micro Devices (AMD), JPMorgan Chase & Co. (JPM), Meta Platforms (META), Netflix (NFLX) and Visa (V).

Company Calendar

• Last Earnings: 5/09/2025
• Today: 7/11/2025
• Next Earnings (Estimated): 7/29/2025
• Fiscal Year End: 6/30/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:PBFS
• CIK: 1769663
• Web: www.pioneerbanking.com
• Phone: (518) 730-3025
• Fax: N/A
• Employees: 260
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $0.77
• Trailing P/E Ratio: 15.90
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $15.26 million
• Net Margins: 16.86%
• Pretax Margin: 18.03%
• Return on Equity: 6.35%
• Return on Assets: 0.97%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.95
• Quick Ratio: 0.95

Sales & Book Value

• Annual Sales: $104.65 million
• Price / Sales: 3.02
• Cash Flow: $0.93 per share
• Price / Cash Flow: 13.21
• Book Value: N/A
• Price / Book: N/A

Miscellaneous

• Outstanding Shares: 25,850,000
• Free Float: 25,207,000
• Market Cap: $316.53 million
• Optionable: Not Optionable
• Beta: 0.35