What is PBFS's P/E ratio?

PIONEER BANCORP INC (PBFS) currently trades at a P/E ratio of 19.89.

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 Deepscope Quality Score?

Deepscope rates PBFS's overall financial quality at 54 out of 100, based on profitability, growth, debt and earnings stability.

Is now a good time to buy PBFS?

Deepscope's 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.

PBFS (NASDAQ) Stock Analysis | PIONEER BANCORP INC

Stock Check Daily update data at 9:30 AM
(Price: 2026-06-05 | FS: 2026-03-31)

PBFS

PIONEER BANCORP INC

USD 16.20

0.06 (0.37%) Day Change

Watchlist Portfolio Compare Chart

19.89

P/E

5.76

D/E

6.0%

ROE

0.9%

ROA

0.00%

Div Yield

0.55

PEG

PIONEER BANCORP INC
TYPE: STOCK
MARKET: NASDAQ

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USD 16.20 Price 0.06 (0.37%) Day Change	NEWS SCORE: 94

PBFS, the overall quality is not quite good ( Quality = 54) but the timing to buy is ...(Sign In to See)...

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54 QUALITY

Signal: UNDERPERFORM

Signal Description: Company financial health is Not Good

Reason: ROE is relatively low.
ROA is relatively low.
Historical ROE is relatively low
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: Lorem ipsum dolor sit amet

Unlock timing signals and detailed reasons

In details, quality factors are not quite good , financial health is not good , and ability to make profit is good , ...

Quality Factors

54%

In Recommendations?	Not in any sections
Select Rate	0.00 From 30 days period
Watch Rate	0.00 From 30 days period
News Score	94
Magic Formula Rank by ROA	2655
Magic Formula Rank by ROE	2655
Magic Formula Rank by ROIC	2716
Price	16.20
PBV / Sector	1.20 / 1.15 GREAT
Earning Per Share	0.81

PE / Sector	19.89 / 12.90
PEG or PE/Growth / Sector	0.55 / 0.62 GOOD
Average 1M Daily Value	0.39 M GREAT
Average 1W Daily Value	0.43 M GREAT

Timing Factors

71%

MACD	SIGN IN
MACD Signal	SIGN IN
MACD Divergence	SIGN IN
RSI	SIGN IN
Stochastic Oscillator K	SIGN IN
Stochastic Oscillator D	SIGN IN
ADX	SIGN IN
Avg 5 day Timing Score	SIGN IN

Financial Health

37%

DE / Sector	SIGN IN
DE Average / Sector	SIGN IN
DE Change Average (%) / Sector	SIGN IN
Current Ratio / Sector	SIGN IN
Current Ratio Average / Sector	SIGN IN
Current Ratio Change Average (%) / Sector	SIGN IN
Quick Ratio / Sector	SIGN IN
Quick Ratio Average / Sector	SIGN IN
Quick Ratio Change Average (%) / Sector	SIGN IN
FCF/Share / Sector	SIGN IN
FCF/Share Average / Sector	SIGN IN
FCF/Share Change Average (%) / Sector	SIGN IN

Ability to Make Profit

70%

GPM (%) / Sector	SIGN IN
GPM Average (%) / Sector	SIGN IN
GPM Change Average (%) / Sector	SIGN IN
OPM (%) / Sector	SIGN IN
OPM Average (%) / Sector	SIGN IN
OPM Change Average (%) / Sector	SIGN IN
NPM (%) / Sector	15.32 / 18.84 GOOD
NPM Average (%) / Sector	19.57 / 19,649.48 GREAT
NPM Change Average (%) / Sector	5.64 / -14.03
Asset Turnover / Sector	SIGN IN
Asset Turnover Average / Sector	SIGN IN
Asset Turnover Change Average (%) / Sector	SIGN IN
ROA (%) / Sector	0.89 / 1.13
ROA Average (%) / Sector	0.86 / 1.09
ROA Change Average (%) / Sector	26.30 / -15.55 GREAT
ROE (%) / Sector	6.03 / 10.39
ROE Average (%) / Sector	5.95 / 10.17
ROE Change Average (%) / Sector	18.55 / -12.58 GOOD
ROIC (%) / Sector	SIGN IN
ROIC Average (%) / Sector	SIGN IN
ROIC Change Average (%) / Sector	SIGN IN

Return to Investors

Dividend (%) / Sector	N/A / 2.83
Dividend Average (%) / Sector	N/A / 3.78
Dividend Change Average (%) / Sector	N/A / 3.56

Registration Details

Analyze Date	2026-06-06 09:09:06
Symbol	PBFS
Name	PIONEER BANCORP INC
Sector	Financial Services >> Banks - Regional
Market	NASDAQ
Listed Shares	24.41 M
Par Value	N/A
Calculated From	Quarter
Sign	N/A
Market Cap (M.USD) / Sector Average	394.06 / 5,945.69

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: 265

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.