Pioneer Bancorp (PBFS) Stock Price, News & Analysis

Company Overview

Pioneer Bancorp, Inc. is a bank holding company for Pioneer Bank, a full-service community bank headquartered in Albany, New York. The company provides banking and financial services to individuals, families, businesses and nonprofit organizations primarily in New York’s Capital Region and Hudson Valley.

Pioneer Bank offers a range of deposit products, including checking and savings accounts, money market accounts and certificates of deposit. Its lending activities include residential mortgages, home equity loans, consumer loans, commercial real estate financing, construction loans and commercial and industrial lending. The bank also provides online and mobile banking, treasury management and other business banking services.

Pioneer Bank traces its history to 1889 and has expanded through its longstanding focus on community banking in eastern New York. Pioneer Bancorp became a publicly traded company in 2019 following the bank’s mutual holding company conversion. Through its branch network and digital services, the company serves consumers and businesses across the communities in which it operates.

Key Stats

• Today's Range: $17.26 to $17.84
• 50-Day Range: $17.08 to $18.54
• 52-Week Range: $12.64 to $19.91
• Volume: 25,733 shs
• Average Volume: 17,106 shs
• Market Capitalization: $437.18 million
• P/E Ratio: 22.00
• Dividend Yield: N/A
• Price Target: N/A
• Consensus Rating: Buy

Pioneer Bancorp Stock Analysis - MarketRank™

Pioneer Bancorp scored higher than 29% of companies evaluated by MarketBeat, and ranked 732nd out of 846 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: 1.7 / 5
• Analyst Rating: Buy

Consensus Rating

Pioneer Bancorp has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on no strong buy ratings, 1 buy rating, no hold ratings, and no sell ratings.

Amount of Analyst Coverage

Pioneer Bancorp has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 0.6 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Pioneer Bancorp is 32.59, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.75.

Price to Earnings Ratio vs. Sector

The P/E ratio of Pioneer Bancorp is 32.59, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 24.58.

Price to Book Value per Share Ratio

Pioneer Bancorp has a P/B Ratio of 1.36. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

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

Percentage of Shares Shorted

0.52% 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 6.33.

Change versus previous month

Short interest in Pioneer Bancorp has recently decreased by 13.22%, indicating that investor sentiment is improving significantly.

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.

News and Social Media

• Score: 3.3 / 5
• News Sentiment: 1.23

News Sentiment

Pioneer Bancorp has a news sentiment score of 1.23. 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 0.66 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for Pioneer Bancorp this week, compared to 0 articles on an average week.

Company Ownership

• Score: 0.1 / 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

2.80% of the stock of Pioneer Bancorp is held by insiders.

Percentage Held by Institutions

Pioneer Bancorp has minimal institutional ownership at this time.

Company Calendar

• Last Earnings: 8/10/2026
• Today: 10/14/2026
• Next Earnings (Estimated): 10/29/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:PBFS
• CIK: 1769663
• Web: www.pioneerny.com
• Phone: (518) 730-3025
• Fax: N/A
• Employees: 269
• Year Founded: 1889

Profitability

• EPS (Trailing Twelve Months): $0.54
• Trailing P/E Ratio: 22.00
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: N/A
• Net Margins: N/A
• Pretax Margin: 15.84%
• Return on Equity: 4.05%
• Return on Assets: 0.58%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 1.00
• Quick Ratio: 1.00

Sales & Book Value

• Annual Sales: $104.65 million
• Price / Sales: 4.18
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: $12.91 per share
• Price / Book: 1.36

Miscellaneous

• Outstanding Shares: 24,840,000
• Free Float: 24,146,000
• Market Cap: $437.18 million
• Optionable: Not Optionable
• Beta: 0.42