Pioneer Bancorp (PBFS) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Pioneer Bancorp

NasdaqCM•Financial Services•Banks - Regional

$18.18+0.21(0.01%)After hours

Market Cap

$431.85M

P/E

25.6x

P/S

3.2x

P/B

1.3x

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.

How this company scores

WeakMetricSide Score: 58/100

Grade capped at D — Interest coverage below 1× (0.5x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (21/25); weakest: Balance Sheet & Red Flags (8/25).

Profitability12/25

Growth17/25

Balance Sheet & Red Flags8/25

Cash & Earnings Quality21/25

Strengths

Growing revenueRising free cash flowStrong marginsConsistent growth

Grade capped at D

Interest coverage below 1× (0.5x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 25.6x5y range 10.3x – 300.9x

Currently above its 20-quarter median.

P/S · 3.2x5y range 2.4x – 5.3x

Currently near its 20-quarter median.

P/B · 1.3x5y range 0.8x – 1.3x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

Operating margins dropped 34.6% over recent quarters — a sharp decline suggesting serious cost or pricing challenges.

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.

Price & Volume

Market Cap $431.85M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $134.85M
Q. Revenue: $37.34M
TTM EBITDA: $25.02M
TTM Op. Income: $21.43M
Q. Op. Income: $4.79M
TTM Net Income: $16.85M
Q. Net Income: $3.48M
EPS: $0.14
Shares Out.: $24.03M

$134.85M in TTM revenue grew 15.1% YoY, reaching $37.34M last quarter. TTM EBITDA of $25.02M and TTM operating income of $21.43M show growth is flowing through to the bottom line. TTM net income of $16.85M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 75.8%
EBITDA Margin: 15.7%
Op. Margin: 12.8%
Net Margin: 9.3%

Op. margin of 12.8% is down 12.8% YoY — costs are rising relative to revenue. Net margin at 9.3% and gross margin of 75.8% show how much of each revenue dollar survives to profit. Over the past year, operating margin is down 50% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 25.6x
P/S Ratio: 3.2x
P/B Ratio: 1.3x

At 25.6x P/E, the stock trades within typical market levels. P/S of 3.2x and P/B of 1.3x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Across the last 8 quarters, P/E has risen for 4 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $2.36B
Cash: $94.57M
Long-Term Debt: N/A
Book Value: $328.34M
D/E Ratio: N/A
Debt/EBITDA: 0.0

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $14.65M
TTM Free Cash Flow: $22.57M
FCF Margin: 16.7%
FCF / Net Income: 1.3

TTM FCF of $22.57M on $14.65M in operating cash flow. The FCF / Net Income ratio of 1.3x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 3 consecutive quarters — an improving trend.