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Pioneer Bancorp Inc (PBFS) Stock Price
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PBFS Stock Price & Analysis — Pioneer Bancorp Inc (Financial Services >> Banks - Regional)

PBFS FAQ

What is PBFS's P/E ratio?

Pioneer Bancorp Inc (PBFS) currently trades at a P/E ratio of 22.08.

What is PBFS's ROE?

Pioneer Bancorp Inc reports a Return on Equity (ROE) of 6.03%.

What is PBFS's dividend yield?

Pioneer Bancorp Inc offers a dividend yield of 0.00%.

What is PBFS's Quality Score?

Our AI rates PBFS's overall financial quality at 31 out of 100, based on profitability, growth, debt and earnings stability.

Is now a good time to buy PBFS?

Our AI Timing Score for PBFS is 91 out of 100, indicating the relative attractiveness of buying at the current price using technical and momentum signals.

Which sector does PBFS belong to?

Pioneer Bancorp Inc is classified under the Financial Services >> Banks - Regional sector on the NASDAQ exchange

Stock Check   *Daily update data at 8:30 AM*
(Price: 2026-08-04 | FS: 2026-03-31)

PBFS AI Analysis Summary

Our AI summary for PBFS: Pioneer Bancorp Inc (NASDAQ), Financial Services >> Banks - Regional sector. The stock currently trades at a P/E of 22.08, ROE of 6.03%, a dividend yield of 0.00%. Its financial Quality Score stands at 31/100 — fundamentals below the market average. The AI Timing Score is 91/100 — multiple technical signals currently support price momentum. All scores are recomputed automatically after each market close from official exchange data. This is systematically generated analysis, not personalized investment advice.

PBFS

Pioneer Bancorp Inc
USD 17.17
-0.28 (-1.60%) Day Change
22.08
P/E
5.76
D/E
6.0%
ROE
0.9%
ROA
0.00%
Div Yield
17.53
PEG
USD 17.17
Price
-0.28 (-1.60%)
Day Change
NEWS SCORE: 89

PBFS, the overall quality is not good ( Quality = 31) but the timing to buy is ...(Sign In to See)...

31

QUALITY

Signal
UNDERPERFORM
Signal Description
Company financial health is Not Good
Reason
ROE is relatively low.
ROA is relatively low.
Acceleration of ROE growth rate is below our criteria.
Historical ROE is relatively low
Historical ROA is relatively low.
Acceleration of ROA growth rate is below our criteria.
Historical ROA is relatively low.
Historical ROA is relatively low.
Acceleration of net profit margin growth rate is below our criteria

88 Sign in

TIMING

Signal
OUTPERFORM
Signal Descri...
Good
Reason
Momentum indicators aligned on the daily timeframe
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In details, quality factors are not good , financial health is not good , and ability to make profit is ok , ...

Quality Factors 45%
X
X
X
X
  In Recommendations? Not in any sections
  Select Rate 0.00 From 30 days period
  Watch Rate 0.00 From 30 days period
  News Score 89
  Magic Formula Rank by ROA
2666
  Magic Formula Rank by ROE
2666
  Magic Formula Rank by ROIC
2735
  Price 17.17
  PBV / Sector
1.33 / 1.34
GOOD
  Earning Per Share 0.78
  PE / Sector
22.08 / 13.69
  PEG or PE/Growth / Sector
17.53 / 0.01
  Average 1M Daily Value
0.19 M
GREAT
  Average 1W Daily Value
0.17 M
GREAT
Timing Factors 42%
  MACD
  MACD Signal
  MACD Divergence
  RSI
  Stochastic Oscillator K
  Stochastic Oscillator D
  ADX
  Avg 5 day Timing Score
Financial Health 37%
X
X
X
X
  DE / Sector
  DE Average / Sector
  DE Change Average (%) / Sector
  Current Ratio / Sector
  Current Ratio Average / Sector
  Current Ratio Change Average (%) / Sector
  Quick Ratio / Sector
  Quick Ratio Average / Sector
  Quick Ratio Change Average (%) / Sector
  FCF/Share / Sector
  FCF/Share Average / Sector
  FCF/Share Change Average (%) / Sector
Ability to Make Profit 62%
X
X
X
X
X
X
X
  GPM (%) / Sector
  GPM Average (%) / Sector
  GPM Change Average (%) / Sector
  OPM (%) / Sector
  OPM Average (%) / Sector
  OPM Change Average (%) / Sector
  NPM (%) / Sector
15.32 / 25.98
GOOD
  NPM Average (%) / Sector
19.23 / 20,092.93
GREAT
  NPM Change Average (%) / Sector
-8.44 / 20.72
  Asset Turnover / Sector
  Asset Turnover Average / Sector
  Asset Turnover Change Average (%) / Sector
  ROA (%) / Sector
0.89 / 1,212.43
  ROA Average (%) / Sector
0.95 / 243.35
  ROA Change Average (%) / Sector
-5.15 / 41,311.11
  ROE (%) / Sector
6.03 / 2,096.47
  ROE Average (%) / Sector
6.36 / 427.43
  ROE Change Average (%) / Sector
-4.99 / 5,460.63
  ROIC (%) / Sector
  ROIC Average (%) / Sector
  ROIC Change Average (%) / Sector
Return to Investors 4%
X
  Dividend (%) / Sector
N/A / 2.49
  Dividend Average (%) / Sector
N/A / 46.24
  Dividend Change Average (%) / Sector
N/A / -0.22
Registration Details
X
  Analyze Date 2026-08-05 08:00:40
  Symbol PBFS
  Name PIONEER BANCORP INC
  Sector Financial Services >> Banks - Regional
  Market NASDAQ
  Listed Shares 25.08 M
  Par Value N/A
  Calculated From Quarter
  Sign N/A
  Market Cap (M.USD) / Sector Average 437.59 / 7,069.04
News, Concensus, ...
  Estimation Consensus See at WSJ.com
  Full details See at WSJ.com
  Chart See in Chart feature
  News See at Yahoo Finance

Address: 652 Albany Shaker Road, Albany, NY, United States, 12211

Phone: 518 730 3025

Website: https://www.pioneerny.com

Employees: 298

Sector: Financial Services >> Banks - Regional

Description: 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.

ME vs SECTOR Financial Services >> Banks - Regional

PBFS (ME)
Sector Peers
Bubble size = Market Cap

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Stocks in the Same Sector

Financial Services › Banks - Regional

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PBFS
PBFS
USD 17.17 (-1.60%)
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