Pioneer bancorp, inc. PBFS.US Overview
PBFS AI Analysis & Strategy
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PBFS Current Performance
-3.30%
Pioneer bancorp, inc.
-1.31%
Avg of Sector
-0.40%
S&P500
PBFS Key Information
PBFS Revenue by Segments
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PBFS Net Income
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PBFS Cash Flow
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PBFS Profit Margin
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PBFS PE Ratio River
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PBFS Financial Forecast
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PBFS Earnings Table
Unit : USD
| QTR | Non-GAAP EPS | EPS YoY | EPS Surprise % | Sales | Sales YoY | Sales Surprise % | NPM |
|---|---|---|---|---|---|---|---|
| Current | |||||||
| 2024Q4 | |||||||
| 2024Q3 | |||||||
| 2024Q2 | |||||||
| 2024Q1 |
PBFS Profile
Pioneer Bancorp, Inc. operates as a holding company for Pioneer Savings Bank that provides various banking products and services in New York. The company accepts various deposit products, such as demand, savings, and money market accounts, as well as certificates of deposit accounts. Its loan products include commercial real estate, commercial and industrial, commercial construction, one- to four-family residential real estate, home equity, and consumer loans; and home equity lines of credit. The company also invests in the U.S. governmental securities, fixed rate collateralized mortgage obligations, mortgage-backed securities, fixed-rate investment grade bonds, and equity securities. In addition, the company offers personal and commercial insurance products, including homeowners, automobile, and comprehensive business insurance; employee benefit products and services, such as group health, dental, disability, and life insurance products, as well as defined contribution, defined 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. It operates through a network of 22 retail banking offices in Albany, Greene, Rensselaer, Saratoga, Schenectady, and Warren Counties in New York. The company was founded in 1889 and is based in Albany, New York. Pioneer Bancorp, Inc. operates as a subsidiary of Pioneer Bancorp, MHC.
Price of PBFS
PBFS FAQ
When is PBFS's latest earnings report released?
The most recent financial report for Pioneer bancorp, inc. (PBFS) covers the period of 2025Q3 and was published on 2025/03/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating PBFS's short-term business performance and financial health. For the latest updates on PBFS's earnings releases, visit this page regularly.
Where does PBFS fall in the P/E River chart?
According to historical valuation range analysis, Pioneer bancorp, inc. (PBFS)'s current price-to-earnings (P/E) ratio is 15.58, placing it in the Undervalued zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning conservative. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.
What is the operating profit of PBFS?
According to the latest financial report, Pioneer bancorp, inc. (PBFS) reported an Operating Profit of 7.42M with an Operating Margin of 33.7% this period, representing a growth of 22.47% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.
How is PBFS's revenue growth?
In the latest financial report, Pioneer bancorp, inc. (PBFS) announced revenue of 22.01M, with a Year-Over-Year growth rate of 2.43%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.
How much cash does PBFS have?
At the end of the period, Pioneer bancorp, inc. (PBFS) held Total Cash and Cash Equivalents of 139.63M, accounting for 0.07 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.
Does PBFS go with three margins increasing?
In the latest report, Pioneer bancorp, inc. (PBFS) achieved the “three margins increasing” benchmark, with a gross margin of 100%%, operating margin of 33.7%%, and net margin of 26.2%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess PBFS's profit trajectory and future growth potential.
Is PBFS's EPS continuing to grow?
According to the past four quarterly reports, Pioneer bancorp, inc. (PBFS)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 0.23. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.
What is the FCF of PBFS?
Pioneer bancorp, inc. (PBFS)'s Free Cash Flow (FCF) for the period is -4.89M, calculated as Operating Cash Flow minus Capital Expenditures, representing a fall of 252.65% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.
What are the PEG ratio and PE ratio of PBFS?
The latest valuation data shows Pioneer bancorp, inc. (PBFS) has a Price-To-Earnings (PE) ratio of 15.58 and a Price/Earnings-To-Growth (PEG) ratio of 0.16. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.