Pioneer Bancorp/$PBFS
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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
Primary listing
Employees
267
Headquarters
Website
Pioneer Bancorp Metrics
BasicAdvanced
$320M
14.29
$0.91
0.37
-
Price and volume
Market cap
$320M
Beta
0.37
52-week high
$13.65
52-week low
$10.60
Average daily volume
31K
Financial strength
Profitability
Net profit margin (TTM)
24.92%
Operating margin (TTM)
33.10%
Effective tax rate (TTM)
22.28%
Revenue per employee (TTM)
$340,000
Management effectiveness
Valuation
Price to earnings (TTM)
14.295
Price to revenue (TTM)
3.528
Price to book
1.03
Price to tangible book (TTM)
1.1
Price to free cash flow (TTM)
16.264
Free cash flow yield (TTM)
6.15%
Free cash flow per share (TTM)
0.8
Growth
Bulls say / Bears say
Net interest margin expanded to 4.13% in Q2 2025, up 20 basis points from 3.93% a year earlier, driven by a 31 basis point rise in average yields on interest-earning assets amid effective asset repricing (SEC EDGAR).
Net loans receivable grew by $108.3 million, or 7.5%, to $1.54 billion at June 30, 2025 compared to December 31, 2024, reflecting strong loan demand across residential mortgages and commercial portfolios (SEC EDGAR).
Noninterest income increased 30.3% year-over-year to $4.8 million in Q2 2025, driven by gains in insurance and wealth management services, contributing to diversified revenue streams (SEC EDGAR).
Non-performing assets doubled to $11.5 million, or 0.55% of total assets, at June 30, 2025 from $5.2 million, or 0.27%, at December 31, 2024, driven by a $4.7 million commercial real estate relationship placed on non-accrual, signaling rising credit stress (SEC EDGAR).
Provision for credit losses rose to $1.6 million in Q2 2025 from $0.75 million in Q2 2024, a 113% increase that reflects heightened expected loan defaults amid economic uncertainty (SEC EDGAR).
Commercial real estate loans represented 70.6% of the CRE portfolio as of March 31, 2025, with non-owner occupied property making up 49.8%, leaving the bank vulnerable to a regional CRE downturn (SEC EDGAR).
Data summarised monthly by Lightyear AI. Last updated on 3 Oct 2025.
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Capital at risk
Upcoming events
No upcoming events
FAQs
What’s the current market cap for Pioneer Bancorp stock?
Pioneer Bancorp (PBFS) has a market cap of $320M as of October 12, 2025.
What is the P/E ratio for Pioneer Bancorp stock?
The price to earnings (P/E) ratio for Pioneer Bancorp (PBFS) stock is 14.29 as of October 12, 2025.
Does Pioneer Bancorp stock pay dividends?
No, Pioneer Bancorp (PBFS) stock does not pay dividends to its shareholders as of October 12, 2025.
When is the next Pioneer Bancorp dividend payment date?
Pioneer Bancorp (PBFS) stock does not pay dividends to its shareholders.
What is the beta indicator for Pioneer Bancorp?
Pioneer Bancorp (PBFS) has a beta rating of 0.37. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.