Pioneer Bancorp AI Stock Analysis
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Pioneer Bancorp (PBFS) AI Stock Analysis
Pioneer Bancorp
(NASDAQ:PBFS)
The overall score of 60 reflects a mixed outlook. Strengths include a robust balance sheet and positive corporate initiatives, while weaknesses include high valuation and recent softness in earnings and cash flow. Technicals are neutral with a slight bullish bias. The stock appears fairly valued with moderate upside potential but carries some near-term risks.
Pioneer Bancorp (PBFS) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $455.23M
- Dividend Yield
- ―
- Average Volume (3M)
- 13.68K
- Price to Earnings (P/E)
- 35.0
- Beta (1Y)
- 0.27
- Revenue Growth
- 17.83%
- EPS Growth
- -36.83%
- Country
- US
- Employees
- 269
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Pioneer Bancorp Business Overview & Revenue Model
Company Description
Pioneer Bancorp, Inc., founded in 1889 and based in Albany, New York, serves as the holding company for Pioneer Savings Bank. It offers a wide spectrum of financial products and services throughout New York. The company's banking services include var...
How the Company Makes Money
Pioneer Bancorp primarily makes money through traditional banking spread and fee-based activities. The largest driver is typically net interest income: it collects interest on loans (such as commercial real estate, commercial and industrial, resident...
Pioneer Bancorp Financial Statement Overview
Summary
Moderate financial health with a strong debt-free balance sheet (score 85) offset by recent declines in revenue (62) and cash flow (58). Solid capital base but near-term earnings and cash flow pressures.
Income Statement
62PositiveBalance Sheet
85Very PositiveCash Flow
58Neutral| Breakdown | TTM | Dec 2025 | Dec 2025 | Jun 2024 | Jun 2023 | Jun 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 126.67M | 88.12M | 126.67M | 98.70M | 85.18M | 57.92M |
| Gross Profit | 92.59M | 88.12M | 92.59M | 74.19M | 79.69M | 57.00M |
| EBITDA | 28.39M | 2.51M | 28.39M | 22.00M | 30.55M | 16.08M |
| Net Income | 20.29M | 19.20M | 20.29M | 15.26M | 21.95M | 10.28M |
Balance Sheet | ||||||
| Total Assets | 2.16B | 2.10B | 2.15B | 1.90B | 1.86B | 1.96B |
| Cash, Cash Equivalents and Short-Term Investments | 354.11M | 407.61M | 185.24M | 408.96M | 579.98M | 854.38M |
| Total Debt | 54.42M | 0 | 0 | 0 | 0 | 0 |
| Total Liabilities | 1.84B | 1.78B | 1.83B | 1.60B | 1.59B | 1.72B |
| Stockholders Equity | 323.86M | 314.25M | 323.86M | 296.53M | 266.70M | 242.63M |
Cash Flow | ||||||
| Free Cash Flow | 8.80M | 32.20M | 8.80M | 23.01M | 25.82M | 49.19M |
| Operating Cash Flow | 11.12M | 33.71M | 11.12M | 23.85M | 26.27M | 49.97M |
| Investing Cash Flow | -125.79M | -311.80M | -125.79M | -18.05M | -114.87M | -148.03M |
| Financing Cash Flow | 151.83M | 140.76M | 151.83M | 8.91M | -136.98M | 149.16M |
Pioneer Bancorp Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PBFS, the sentiment is Neutral. The current price of 18.15 is below the 20-day moving average (MA) of 18.18, above the 50-day MA of 17.97, and above the 200-day MA of 16.15, indicating a neutral trend. The MACD of 0.14 indicates Positive momentum. The RSI at 50.68 is Neutral, neither overbought nor oversold. The STOCH value of 27.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for PBFS.
Pioneer Bancorp Risk Analysis
Pioneer Bancorp disclosed 48 risk factors in its most recent earnings report. Pioneer Bancorp reported the most risks in the "Finance & Corporate" category.
Latest Risks Added
2 New RisksPioneer Bancorp Peers Comparison
Overall Rating
CZNC71Outperform
AVBC67Neutral
RBB65Neutral
CBAN62Neutral- PBFS60Neutral
GBFH60Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| CZNC | 71Outperform | $510.15M | 14.25 | 10.27% | 4.05% | 25.11% | 12.79% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| AVBC | 67Neutral | $455.92M | 15.41 | 7.14% | 0.71% | ― | ― |
| RBB | 65Neutral | $436.04M | 9.96 | 8.34% | 2.46% | 4.40% | 74.44% |
| CBAN | 62Neutral | $554.39M | 11.20 | 9.73% | 2.35% | 21.22% | 13.95% |
| PBFS | 60Neutral | $454.98M | 34.99 | 3.88% | ― | 17.83% | -36.83% |
| GBFH | 60Neutral | $222.74M | 12.15 | 10.58% | ― | 15.58% | -5.31% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| PBFS | Pioneer Bancorp | 18.15 | 4.78 | 35.75% | |
| CZNC | Citizens & Northern | 28.02 | 9.32 | 49.81% | |
| CBAN | Colony Bankcorp | 20.30 | 4.17 | 25.84% | |
| RBB | Rbb Bancorp | 26.04 | 7.29 | 38.88% | |
| GBFH | Gbank Financial Holdings Inc | 15.05 | -20.31 | -57.44% | |
| AVBC | Avidia Bancorp, Inc. | 22.58 | 7.42 | 48.95% |
Pioneer Bancorp Corporate Events
Pioneer Bancorp Launches Dedicated College Advising Division
PositiveOn July 29, 2026, Pioneer announced it had acquired The College Advisor of New York and simultaneously launched a dedicated College Advising Division led by founder Dr. Dean Skarlis as Vice President of College Advising. His existing team will contin...
Pioneer Bancorp appoints veteran banker to board
PositiveOn July 21, 2026, Pioneer Bancorp, Inc. appointed veteran banking executive Michael T. Keegan to its Board of Directors, a move announced publicly on July 23, 2026. Keegan brings more than 40 years of leadership experience in commercial and community...
Pioneer Bancorp shareholders back directors, auditor and pay
PositiveAt its Annual Meeting of Stockholders held on May 19, 2026, Pioneer Bancorp, Inc. shareholders elected directors Stacy Hengsterman, Dr. James K. Reed and Edward Reinfurt to three-year terms, affirming the existing board slate and signaling continuity...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Aug 18, 2026