NVDA+0.84%AAPL−2.51%GOOGL−1.17%MSFT−2.04%AMZN−0.15%TSM+2.85%SPCX−1.20%AVGO+0.21%
StockVS

NASDAQ · Banks - Regional · USD

Pioneer Bancorp, Inc. (PBFS) Stock Analysis

Pioneer Bancorp, Inc. (PBFS) is a Banks - Regional stock listed on NASDAQ and quoted in US Dollar.

PBFS

$18.54

+$0.51 (+2.83%)

Sep 4, 2026 · Market close

Compare

Price History

Hover for the daily close. The dotted line marks the period open.

Compare PBFS with… →

PBFS Key Statistics

As of Sep 4, 2026
Trading
Open
$17.90
Previous Close
$18.03
Day's Range
17.90–18.54
52-Week Range
12.64–19.42
Volume
13.10K
BetaHow much the share price moves relative to the wider market. 1.0 moves in line with it; above 1.0 swings more, below 1.0 less.
0.40
Valuation
Market Cap
$448.29M
P/E Ratio
26.49
P/S ratioMarket value divided by annual revenue. Useful for companies that are not yet profitable, where a P/E cannot be calculated.
4.55
EPS (ttm)Profit attributable to each share over the last twelve months.
0.70
Financials (FY)
Revenue (FY)
$96.29M+25.22%
Net Income (FY)
$20.29M+32.94%
Profit marginThe share of revenue left as profit after all costs and taxes.
17.10%
Shares OutstandingThe total number of shares held by all investors. Market value is this figure multiplied by the share price.
24.18M
1-Year Return
+40.45%
Dividend and dates
Earnings Date
October 29, 2026estimated
Avg Volume
14.32K

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

PBFS Stock Return by Calendar Year

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

YearReturn
2026 (partial year)+37.54%
2025+17.01%
2024+15.08%
2023−12.19%
2022+0.71%
2021+7.10%
2020−30.96%
2019 (partial year)+3.80%

As of September 4, 2026.

PBFS Revenue and Earnings by Fiscal Year

FY ends December
Fiscal yearRevenueNet incomeNet margin
2025$96.29M$20.29M21.1%
2024$76.89M$15.26M19.8%
2023$79.69M$21.95M27.5%
2022$56.45M$10.28M18.2%
Fiscal yearRevenueGross profitOperating incomeNet incomeNet margin
2025$96.29M——$20.29M21.1%
2024$76.89M——$15.26M19.8%
2023$79.69M——$21.95M27.5%
2022$56.45M——$10.28M18.2%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

PBFS Valuation vs Banks - Regional Median

Median of 380 stocks
MetricPBFSBanks - Regional medianvs median
P/E26.4912.62110% above
P/S ratio4.553.7721% above
Profit margin17.10%29.15%12.0 pts below

Medians across 380 Banks - Regional stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of September 4, 2026.

Recent News

News provided by third-party sources. Not financial advice.

Analysis

Data-derived

Company Overview

Pioneer Bancorp, Inc. (PBFS) carries a market capitalisation of $448.29M. The company sits in the Financial Services sector, in the Banks - Regional industry. Headcount on file is 298.

The most recent close on file for PBFS is $18.54, dated September 4, 2026. That is +$0.51 (+2.83%) against the previous close. The 52-week range on file runs from $12.64 to $19.42. The latest close sits 46.68% above that 52-week low.

Financial Health

Fiscal 2025 revenue came to $96.29M. That is +25.22% against the prior fiscal year, when revenue was $76.89M. The same year closed with net income of $20.29M. That is +32.94% against the prior fiscal year. Profit margin runs at 17.1%. That is 12 percentage points below the Banks - Regional median of 29.15%. Earnings per share on a trailing basis come to 0.7.

Across the 4 fiscal years on file, revenue moves from $56.45M in 2022 to $96.29M in 2025. Of those 4 years, 4 report positive net income.

Valuation Assessment

On trailing earnings, the shares are priced at 26.49 times earnings. That is 109.9% above the Banks - Regional median of 12.62. Measured against sales, the shares trade at 4.55 times revenue. On price-to-sales that is 20.67% above the Banks - Regional median of 3.77. 380 Banks - Regional companies report these metrics, and the medians quoted come from that group.

The reported beta is 0.4. Annualized volatility over the trailing 7 years is 34.2%. The trailing one-year price return is +40.45%. Across 5 years the annualized return works out at +7.14%.

Growth & Income

No dividend is on file for PBFS.

So far in 2026 the price is +37.54%. Across the complete calendar years on file, 2025 returned +17.01% and 2020 returned −30.96%. Of the 6 complete calendar years on file, 4 finished higher.

Peer Comparison

Pioneer Bancorp, Inc. (PBFS) operates in the Banks - Regional industry. Here is how it compares to its closest peers by market capitalization:

Company Ticker Market Cap P/E Ratio
Pioneer Bancorp, Inc. PBFS $448.29M 26.5
Mizuho Financial Group, Inc. MFG $135.92B 16.0
HDFC Bank Limited HDB $119.10B 16.0
ICICI Bank Limited IBN $108.74B 18.7

The Banks - Regional industry average P/E ratio is 12.6x. Pioneer Bancorp, Inc. trades at a P/E of 26.5.

Every figure above is read from this page's own data on each nightly rebuild. Informational only, not financial advice. As of September 4, 2026.

Related Banks - Regional Stocks

MFG

Mizuho Financial Group, Inc.

$135.92B

 HDB

HDFC Bank Limited

$119.10B

 IBN

ICICI Bank Limited

$108.74B

 USB

U.S. Bancorp

$98.73B

 PNC

The PNC Financial Services Group, Inc.

$97.98B

 ITUB

Itaú Unibanco Holding S.A.

$89.83B
View all Banks - Regional stocks →

Popular Financial Services Stocks

BRK-B

Berkshire Hathaway Inc.

$1.08T

 JPM

JPMorgan Chase & Co.

$953.33B

 V

Visa Inc.

$700.27B

 MA

Mastercard Incorporated

$507.39B

 BAC

Bank of America Corporation

$438.31B
View all Financial Services stocks →

About Pioneer Bancorp, Inc.

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 accounts. The company's loan products include commercial real estate, commercial and industrial, commercial construction, residential mortgage, consumer loans, 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. operates as a subsidiary of Pioneer Bancorp MHC.

Visit website →