Pioneer Bancorp, Inc. (PBFS) AI Stock Analysis
PBFS AI stock analysis summary
AI ResearchPioneer Bancorp, Inc. (PBFS) is the holding company for Pioneer Bank, providing regional banking, lending, and wealth management services across New York. In FY2026, the company generated revenue of $126.7M, an increase of 43.8% year-over-year, alongside net income of $20.3M. Over the trailing twelve months, Pioneer Bancorp recorded diluted EPS of $0.70 while holding total assets of $2.36B as of June 30, 2026.
- Market cap
- $425.1M
- Revenue (TTM)
- $98.5M
- P/E
- 25.1x
- 1Y return
- 35.1% S&P 500 16.8%
- Avg. target
- —
Bull case
- Revenue expanded 43.8% in FY2026 to reach $126.7M, supported by a 5-year revenue CAGR of 16.2%.
- Pioneer Bancorp held $85.1M in cash and short-term investments alongside total assets of $2.36B as of June 30, 2026.
- The stock delivered a 1-year return of 35.1%, outperforming the S&P 500 return of 16.8%.
Bear case
- Pioneer Bancorp trades at a trailing P/E of 25.1x, above the US-listed Financial Services peer median of 12.1x.
- Quarterly earnings fell 46.2% year-over-year in the quarter ended June 30, 2026.
- Free cash flow dropped to $8.8M in FY2026 from $32.2M in FY2025.
What Pioneer Bancorp does
Established in 1889 and headquartered in Albany, New York, Pioneer Bancorp, Inc. operates as the holding company for Pioneer Bank. The institution provides retail and commercial banking products, including demand, savings, money market, and certificate of deposit accounts. Its lending operations span commercial real estate loans, commercial and industrial loans, commercial construction financing, residential mortgages, and home equity lines of credit. Pioneer Bancorp also offers U.S. governmental securities, collateralized mortgage obligations, investment-grade bonds, and equity securities, alongside personal and commercial insurance, employee benefit products, and wealth management services.
Growth and profitability
Pioneer Bancorp increased revenue from $57.9M in FY2022 to $126.7M in FY2026, representing a 5-year revenue CAGR of 16.2%. Annual revenue grew 37.6% in FY2023 to $79.7M and 23.9% in FY2024 to $98.7M, before declining 10.7% to $88.1M in FY2025. In FY2026, revenue expanded 43.8% to $126.7M, while net income reached $20.3M with a net margin of 16.0% and EPS of $0.69. Operating margin stood at 20.9% in FY2026, compared to 37.3% in FY2025. For the latest quarter ended June 30, 2026, quarterly revenue grew 17.9% year-over-year, while quarterly earnings fell 46.2%.
Balance sheet and cash flow
As of June 30, 2026, Pioneer Bancorp reported total assets of $2.36B and shareholders' equity of $328.3M. Cash and short-term investments totaled $85.1M at the end of the period. In FY2026, operating cash flow was $11.1M, down from $33.7M in FY2025, while free cash flow reached $8.8M after capital expenditures of $2.3M. Capital deployment in FY2026 included $11.3M allocated toward share buybacks, contributing to a 3.1% reduction in share count over 5 years.
Valuation and performance
Pioneer Bancorp trades at a trailing price-to-earnings multiple of 25.1x, which stands above the 12.1x median of its US-listed Financial Services peers. Its price-to-sales ratio is 4.3x compared to the peer median of 3.2x, while its price-to-book ratio is 1.3x and enterprise value to revenue is 4.1x. Over the past year, the stock returned 35.1%, outperforming the S&P 500 return of 16.8%. However, its 5-year return of 42.8% lagged the S&P 500 5-year return of 83.0%.
What analysts expect
Formal Wall Street analyst consensus ratings, price targets, and forward earnings estimates are not published for Pioneer Bancorp. The company's next scheduled earnings date is November 6, 2026. Over the trailing twelve months ended June 30, 2026, Pioneer Bancorp recorded diluted earnings per share of $0.70, supported by trailing twelve month net revenue of $98.5M and a trailing net profit margin of 17.1%.
Key risks and what to watch
- Operating margin decreased from 37.3% in FY2025 to 20.9% in FY2026, showing annual profitability volatility.
- Return on equity over the trailing twelve months was 5.2%, and return on assets stood at 0.8%.
- Insiders hold 59.4% of shares, which concentrates ownership among internal stakeholders.
- Operating cash flow dropped from $33.7M in FY2025 to $11.1M in FY2026.
AI-generated research summary. Written with AI from Quotelinks data as of October 16, 2026 and checked so every figure matches that data. For information only, not investment advice. Disclaimer
About this PBFS AI stock analysis
This page is an AI-written research summary of Pioneer Bancorp, Inc. (PBFS). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.
Related: PBFS income statement, PBFS balance sheet, PBFS key metrics, PBFS chart. See the PBFS stock overview for the latest quote and news.
PBFS AI stock analysis FAQ
Does Pioneer Bancorp pay a dividend?
Pioneer Bancorp does not currently report a dividend payout. In FY2026, the company directed $11.3M toward share buybacks.
When is Pioneer Bancorp's next earnings date?
The company is scheduled to report its next earnings on November 6, 2026.
Who owns Pioneer Bancorp stock?
Insiders own 59.4% of the company, institutional investors own 23.1%, and short interest accounts for 1.3% of the float.
What was Pioneer Bancorp's revenue growth in FY2026?
In FY2026, Pioneer Bancorp generated revenue of $126.7M, representing 43.8% growth over FY2025.