PBFS logo

PIONEER BANCORP INC/NY

PBFSNASDAQ
πŸ† #3074 by market capEarnings Oct 29US Equity
$17.85β–² $0.13 (+0.73%)
πŸŒ™ After hours$17.85β–² 0.00%Regular close Β· extended-hours price shown
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24hβ–² 0.7%
7dβ–Ό 2.2%
14dβ–Ό 2.2%
30dβ–Ό 0.5%
ytdβ–² 32.7%
1yβ–² 37.1%
🏦Market Cap
$448M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+57.0%
High Growth
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
13.5%
Healthy
βš–οΈP/S Ratio
2.6x
Cheap
Otter Score
76
Good

Trading Snapshot

Day Range
$17.59 – $18.04
52-Week Range
$12.64 – $19.91
Volume
$2.78B
Avg Volume
$2.50B
Shares Outstanding
25.1M
Next Earnings
Dec 8, 2026

Fundamentals Snapshot

Annual Revenue
$127M
Last Q Revenue
$37M
P/E Ratio
26.4
P/S Ratio
2.6x
EPS (TTM)
$0.69
Dividend Yield
β€”
Dilution (1yr)
+0.2%

Why Investors Own PBFS

  • βœ“High-growth profile β€” revenue up +41.7% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 51% gross margin and 7% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

PBFS logo

PIONEER BANCORP INC/NY

PBFS
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$127Mβ–² +43.8% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
73.1%β–Ό βˆ’26.9% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$26Mβ–Ό βˆ’19.4% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$32Mβ–² +39.9% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
24.3Mβ–² +0.2% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$145Mβ–² +$14M YoY
StockOtter Β· stockotter.space

About PIONEER BANCORP INC/NY

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.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Good
76/100

Analyst Price Target

β“˜
Average Target
$18.74
β–² +5.0% Upside
High Target$21.83
Low Target$16.94
Based on 28 analysts

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