PIONEER BANCORP INC/NY
PBFSNASDAQTrading Snapshot
- Day Range
- $17.59 β $18.04
- 52-Week Range
- $12.64 β $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
- βHigh-growth profile β revenue up +41.7% YoY with expanding US Equity exposure.
- βHealthy economics β 51% gross margin and 7% free-cash-flow margin.
- βNew products and segments could unlock additional revenue streams.
Execution delays, intensifying competition, and valuation compression if growth decelerates.
PIONEER BANCORP INC/NY
PBFSAbout 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.
Otter Score Breakdown
How it's scoredFive components, each rated 1β5β and equally weighted (20%), averaged to a 0β100 score:π Quality β gross marginπ Growth β revenue YoYβοΈ Valuation β P/S ratioβ‘ Momentum β 30-day price changeπ§ Dilution β 1-yr share issuance (buybacks score higher)Analyst Price Target
βLatest News & Updates

Pioneer Bancorp Q2 Earnings Fall Y/Y as Expenses Offset Income Growth
PBFS's Q2 earnings fall y/y as litigation, acquisition and staffing costs outweigh higher net interest income and loan growth.

PBFS's Valuation Remains Premium: Is It Worth Overpaying for?
PBFS trades near its 52-week high as acquisitions, loan and deposit growth, and stronger core banking performance support its premium valuation.