Accessibility Menu
Pioneer Bancorp logo

Pioneer Bancorp(NASDAQ) PBFS

Market Cap$444.86MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2019)+20%
5 Year+53%
1 Year+43%
1 Month+3%
$17.76
+0.11%
+0.02Today
Pioneer Bancorp last closing stock price
MetricPriceDate
Last closeUSD 17.742026-07-24
Pioneer Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+3.32%USD 17.172026-07-17
1 month+2.96%USD 17.232026-06-24
3 month+23.54%USD 14.362026-04-24
Year to date+31.6%USD 13.482025-12-31
1 year+43.06%USD 12.402025-07-24
3 year+85.18%USD 9.582023-07-25
5 year+53.2%USD 11.582021-07-23
Since inception+20.27%USD 14.752019-07-18

Pioneer Bancorp Financials at a Glance

Market Cap

$444.86MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$126.67M

Net Income (TTM)

$20.29M

EPS (TTM)

$0.81

P/E Ratio

21.90

Dividend

$0.00

Beta (Volatility)

0.38 (Low)

Price

$17.76

Volume

1

Open

$17.76

Previous Close

$17.76

Daily Range

$17.76 - $17.76

52-Week Range

$12.01 - $19.42

Estimated Earnings Date

Jul 29, 2026

PBFS News

Foolcom-Featured.png

Pioneer Bancorp (PBFS) Q2 Profit Up 67%

Motley Fool Markets TeamJul 31, 2025

PBFS: Motley Fool Moneyball Superscore

57

Our CEO Is Handing Members His Secret Weapon

It's called Motley Fool Moneyball, our new proprietary AI tool

We spent over half a million dollars in R&D to build a tool that makes stock research faster, sharper, and smarter. Our analysts use it every day, and now, you can too.

Get Access Now

About Pioneer Bancorp

Pioneer helps people in New York save and borrow money. It provides loans for homes and local businesses. The bank also offers insurance and investment advice.

What Pioneer Does

  • Residential Mortgages: Loans for single-family homes; made up 47.5% of total loans at December 31, 2025.
  • Commercial Real Estate: Financing for offices, warehouses, and retail spaces; represented 27.9% of total loans at December 31, 2025.
  • Construction Loans: Short-term funding for building or refurbishing properties; accounted for 10.2% of total loans at December 31, 2025.
  • Business Services: Checking accounts, insurance products, and human resources consulting for local firms.

Recent Strategic Moves

  • Converted to a national bank on April 1, 2024, after approval from the Office of the Comptroller of the Currency.
  • Launched Pioneer Capital Markets, Inc. in January 2026 to focus on municipal bond trading.
  • Partnered with Homestead Funding Corp. to manage residential mortgage processing and loan originations.
  • Purchased $5 million of consumer loans from BHG Financial during the 2025 calendar year.

What Makes Pioneer Different?

Pioneer operates as a full-service financial organization by combining traditional banking with insurance and human resources consulting. It maintains a deep regional focus with 22 offices serving the Capital Region of New York.

A Look at the Numbers

  • Revenue reached $32.2 million in Q3 2026, up 9% from $29.6 million in Q3 2025.
  • Net income was $5.3 million in Q3 2026, down 8.2% from the previous year.
  • Operating income fell to $5.7 million in Q3 2026, a 23.1% decrease from Q3 2025.
  • Market capitalization rose to $335.5 million in Q3 2026, up 15.5% year-over-year.

The Big Picture

Pioneer has evolved from a traditional savings bank into a diversified financial services firm. It balances regional lending with broader insurance and wealth management offerings to serve its New York markets.

AI Generated • May 8, 2026

Industry

Banks

Sector

Financials

Employees

269

CEO

Thomas L. Amell, MBA

Website

www.pioneerny.com

Headquarters

Albany, NY 12211, US

PBFS Financials

Key Financial Metrics (TTM)

Gross Margin

73.10%

Operating Margin

20.91%

Net Income Margin

16.02%

Return on Equity

6.29%

Return on Capital

8.18%

Return on Assets

0.91%

Earnings Yield

4.57%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$444.86MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

25.08M

Volume

1

Avg. Volume

20.28K

Financials (TTM)

Gross Profit

$92.59M

Operating Income

$26.49M

EBITDA

$28.39M

Operating Cash Flow

$11.12M

Capital Expenditure

-$2.32M

Free Cash Flow

$8.80M

Cash & ST Invst.

$198.21M

Total Debt

$0.00

Pioneer Bancorp Performance Analysis

Pioneer Bancorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-06-30USD 57,641,000N/A
20232023-06-30USD 85,181,00047.8%
20242024-06-30USD 98,696,00015.9%
20252025-12-31USD 126,670,00028.3%
Pioneer Bancorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q12025-09-300.9%
Q42025-12-31-9.6%
Q22025-12-313.4%
Q32026-03-31-2.9%
Pioneer Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-06-30USD 0.41N/A
20232023-06-30USD 0.87113.2%
20242024-06-30USD 0.61-30.6%
20252025-12-31USD 0.8336.5%
Pioneer Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q12025-09-30-30.8%
Q42025-12-3127.3%
Q22025-12-31-16.7%
Q32026-03-3146.7%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q3 2026YOY CHG

Revenue

$32.23M

+1.3%

Gross Profit

$23.83M

+4.2%

Gross Margin

73.92%

N/A

Market Cap

$444.86MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.66M

N/A

Employees

268

N/A

Net Income

$5.29M

-18.0%

EBITDA

$6.31M

-27.7%

Quarterly Fundamentals

Name
Q3 2026YOY CHG

Total Cash

$198.21M

-51.4%

Total Debt

$0.00

N/A

Accounts Receivable

$9.51M

+9.2%

Inventory

$0.00

N/A

Long Term Debt

$0.00

N/A

Short Term Debt

$0.00

N/A

Return on Assets

0.91%

N/A

Return on Invested Capital

7.33%

N/A

Free Cash Flow

-$797.00K

-117.5%

Operating Cash Flow

-$161.00K

-103.2%

Other Investments to Explore

People Also Watch

Symbol / CompanyPricePrice Chg
RBBRBB Bancorp
$26.56+1.07%
FMAOFarmers & Merchants Bancorp, Inc.
$31.20+0.81%
USCBUSCB Financial Holdings, Inc.
$22.67+4.59%
PDLBPonce Financial Group, Inc.
$20.03-0.84%

Trending Stocks

Symbol / CompanyPricePrice Chg
NVDGraniteShares ETF Trust - GraniteShares 2x ShortDA Daily ETF
$5.25+0.10%
NOKNokia
$9.28+0.02%
AALAmerican Airlines Group
$14.95+0.03%
TSLLDirexion Shares ETF Trust - Direxion Daily Tsla Bull 2x Shares
$7.24-0.02%

Questions About PBFS

What is the current price of Pioneer Bancorp?

Pioneer Bancorp is trading at $17.76 per share.

What is the 52-week range for Pioneer Bancorp?

Over the past 52 weeks, Pioneer Bancorp has traded between $12.01 and $19.42.

How much debt does Pioneer Bancorp have?

As of the most recent reporting period, Pioneer Bancorp reported total debt of $0.00.

How much cash does Pioneer Bancorp have on hand?

Pioneer Bancorp does not have cash on hand data available.

What is Pioneer Bancorp’s dividend yield?

Pioneer Bancorp does not currently have a dividend yield.

Premium Investing Services

Invest better with The Motley Fool. Get stock recommendations, portfolio guidance, and more from The Motley Fool's premium services.

View Premium Services