Pioneer Bancorp/$PBFS
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About Pioneer Bancorp
Pioneer Bancorp Inc is involved in providing banking services. These services include Personal services such as Checking, Savings, eBanking Cards, and Business services such as Business Deposit and operating Accounts, Business eBanking, and Business loans. Some of the other services of the company include Government Banking, Wealth Management, Benefits Consulting and Insurance.
- Ticker
- $PBFS
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 263
- Headquarters
- Albany, United States
- Website
- www.pioneerny.com
Pioneer Bancorp Metrics
BasicAdvanced
$441M
35.10
$0.52
0.43
-
Price and volume
Market cap
$441M
Beta
0.43
52-week high
$19.91
52-week low
$13.00
Average daily volume
14K
Financial strength
Profitability
Net profit margin (TTM)
12.23%
Operating margin (TTM)
24.25%
Effective tax rate (TTM)
20.66%
Revenue per employee (TTM)
$390,000
Management effectiveness
Valuation
Price to earnings (TTM)
35.096
Price to revenue (TTM)
4.258
Price to book
1.34
Price to tangible book (TTM)
1.52
Growth
Revenue change (TTM)
12.39%
Earnings per share change (TTM)
-38.11%
Bulls say / Bears say
Loan growth and deposit growth are scaling the franchise: net loans rose 17.6% and deposits 22.5% from year-end 2025 by September 2026. The acquired equipment-finance business helped expand lending beyond the Capital Region. (SEC)
Core banking income is gaining momentum: third-quarter net interest income rose 16.9% year on year and net interest margin widened to 4.26% from 4.16%. Higher loan yields and a larger earning-asset base more than offset modestly higher funding costs. (SEC)
Growing fee businesses are adding another source of revenue: third-quarter non-interest income increased 44.3% to $5.5 million, with gains in insurance, wealth management and bank fees. This makes revenue less reliant on lending spreads alone. (SEC)
Earnings nearly disappeared in the third quarter: net income fell to $85,000 from $4.3 million after a $6.2 million litigation charge. The announced settlements remain subject to definitive agreements, so the legal matters are not fully closed yet. (SEC)
Funding is getting more expensive: third-quarter interest expense rose 24.6%, faster than net interest income, as deposits shifted towards higher-cost accounts. A large share of deposit growth came from certificates of deposit, including brokered deposits. (SEC)
Credit losses have risen from a very low base, particularly in the acquired lending book: nine-month net charge-offs reached $2.6 million, compared with $89,000 a year earlier. The company attributed the increase partly to acquired Targeted Lending loans and a charge-off on one commercial borrower. (SEC)
Data summarised monthly by Lightyear AI. Last updated on 5 Nov 2026.
Pioneer Bancorp Financial Performance
Revenues and expenses
Upcoming events
No upcoming events
Funds containing Pioneer Bancorp
Fund name | Fund size | $PBFS weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.00% |
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.00% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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