Pioneer Bancorp, Inc.
Pioneer Bancorp, Inc.
Your view on PBFS
Overview
What the company does, where it operates, and who runs it.
About Pioneer Bancorp, Inc.
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- Thomas L. Amell
- Headquarters
- 652 Albany Shaker Road, Albany, NY, US
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- Thomas L. Amell
- Headquarters
- 652 Albany Shaker Road, Albany, NY, US
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.
Stock Data
Price chart, volume, and trading data.
Fair Value
What FRC thinks it is worth vs. the current price.
FRC's fair value estimate for Pioneer Bancorp, Inc., and the rating behind it. PBFS last traded at $18.24, 25.9× trailing earnings — the estimate is read against that market price. FRC analysts run the firm's valuation model across the companies on this platform to estimate what each one is worth, rather than republishing a consensus average. Shows the current estimate, our rating, and when it was last revised. A free account covers 7 company valuations a month; a paid subscription is unlimited.
Financial Ratios
Profitability, returns, valuation, and leverage ratios.
Valuation, profitability, liquidity and leverage ratios for Pioneer Bancorp, Inc.. Starting points for Pioneer Bancorp, Inc.: P/E 25.9, EPS $0.69, beta 0.42 — an Banks - Regional name. P/E, P/B, EV/EBITDA, margins, return on equity, current ratio and debt coverage, each shown against the company's own history.
Dividend Analysis
Yield, payout ratio, and dividend coverage metrics.
Dividend history, yield and payout sustainability for Pioneer Bancorp, Inc.. Pioneer Bancorp, Inc. does not currently pay a regular dividend, so this section tracks capacity rather than history. Per-share payments, yield over time, payout ratio and growth streak, with coverage measured against free cash flow.
Earnings Analysis
EPS history, beat rate, and upcoming earnings reports.
Reported vs. expected earnings history for Pioneer Bancorp, Inc.. Trailing twelve-month EPS for Pioneer Bancorp, Inc. stands at $0.69. EPS surprises by quarter, revenue against estimates, and the upcoming reporting date.
Financial Statements
Income statement, balance sheet, and cash flow statements.
Income statement, balance sheet and cash flow history for Pioneer Bancorp, Inc.. Pioneer Bancorp, Inc. has reported as a listed company since 2019. Annual and quarterly filings with period-over-period comparison, so you can trace how revenue, margins and cash generation have moved.
Comparables
List of peer companies in the same industry.
Pioneer Bancorp, Inc. valued side by side against its closest peers. Pioneer Bancorp, Inc. is measured against Banks - Regional peers within the Financial Services sector. Peer-relative multiples and operating metrics, so the valuation is read in the context of its own sector rather than in isolation.
Institutional Ownership
PremiumWhich funds and firms own the stock.
Which institutions hold Pioneer Bancorp, Inc., and how their positions are changing. At a $453.1M market value, institutional positions materially move Pioneer Bancorp, Inc.'s register. Top holders, position sizes, and quarter-over-quarter accumulation or distribution from regulatory filings. Included with FRC Premium.
Insider Trading
PremiumRecent buying and selling by company executives.
Buying and selling by Pioneer Bancorp, Inc. executives and directors. Shares of Pioneer Bancorp, Inc. have traded between $10.60 and $13.65 over the past 52 weeks — context for the timing of the transactions below. Insider transactions as disclosed to regulators, with role, size and date — the clearest read on how the people running the company are positioned. Included with FRC Premium.
Senate Trading
PremiumU.S. Senator disclosures filed under the STOCK Act.
U.S. Senate disclosures naming Pioneer Bancorp, Inc.. Pioneer Bancorp, Inc. is a $453.1M Financial Services company. Senators' reported transactions in this security, alongside the fundamentals — a signal most research platforms leave out entirely. Included with FRC Premium.
House Trading
PremiumU.S. Representative disclosures filed under the STOCK Act.
U.S. House of Representatives disclosures naming Pioneer Bancorp, Inc.. Representatives' reported transactions in this security, shown next to the company's fundamentals. Included with FRC Premium.
News
Latest headlines and market coverage.
Latest headlines and company announcements for Pioneer Bancorp, Inc.. Coverage tracks Pioneer Bancorp, Inc. within Banks - Regional (Financial Services). Press releases and market coverage, newest first.
Comments
Comments and replies from FRC members about this company.