PBFS Stock Price, Pioneer Bancorp Inc-NY Quote, Chart

Market Summary

USD9.28+0.09

Delayed

0.98%

PBFS Stock Price

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PBFS RSI Chart

PBFS Valuation

Market Cap

241.1M

Price/Earnings (Trailing)

15.22

Price/Sales (Trailing)

2.88

EV/EBITDA

-0.06

Price/Free Cashflow

8.48

PBFS Price/Sales (Trailing)

PBFS Profitability

EBT Margin

23.97%

Return on Equity

5.48%

Return on Assets

0.8%

Free Cashflow Yield

11.8%

PBFS Fundamentals

PBFS Revenue

Revenue (TTM)

83.8M

Rev. Growth (Yr)

23.09%

Rev. Growth (Qtr)

7.58%

PBFS Earnings

Earnings (TTM)

15.8M

Earnings Growth (Yr)

-21.66%

Earnings Growth (Qtr)

47.84%

Breaking Down PBFS Revenue

Last 7 days

-0.3%

Last 30 days

3.7%

Last 90 days

-1.4%

Trailing 12 Months

10.1%

How does PBFS drawdown profile look like?

PBFS Financial Health

PBFS Investor Care

Diluted EPS (TTM)

0.64

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2024	83.8M	0	0	0
2023	64.1M	71.0M	76.0M	79.5M
2022	42.4M	43.8M	48.4M	55.5M
2021	45.1M	43.9M	43.5M	43.1M
2020	55.9M	53.5M	50.0M	47.4M
2019	52.2M	54.2M	55.7M	56.2M
2018	0	46.5M	48.4M	50.3M

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Tracking the Latest Insider Buys and Sells of Pioneer Bancorp Inc-NY

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Jul 19, 2019	reed james k	bought	14,450	14.45	1,000	-
Jul 18, 2019	reed james k	bought	56,651	14.1628	4,000	-

Which funds bought or sold PBFS recently?

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Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 16, 2024	CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM	reduced	-38.94	-7,722	11,507	-%
May 15, 2024	STATE STREET CORP	added	0.17	-32,861	1,763,510	-%
May 15, 2024	MORGAN STANLEY	reduced	-17.72	-71,822	299,009	-%
May 15, 2024	BANK OF AMERICA CORP /DE/	reduced	-39.19	-68,619	101,200	-%
May 15, 2024	BARCLAYS PLC	reduced	-49.29	-80,000	79,000	-%
May 15, 2024	Integrated Wealth Concepts LLC	unchanged	-	-3,000	147,150	-%
May 15, 2024	Tower Research Capital LLC (TRC)	reduced	-70.37	-7,409	3,031	-%
May 15, 2024	NORTHWESTERN MUTUAL WEALTH MANAGEMENT CO	unchanged	-	-1,000	49,050	-%
May 15, 2024	BRIDGEWAY CAPITAL MANAGEMENT, LLC	added	2.95	11,530	1,308,570	0.03%
May 15, 2024	Royal Bank of Canada	reduced	-15.39	-37,000	179,000	-%

Are Funds Buying or Selling PBFS?

Are funds buying PBFS calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own PBFS

No. of Funds

Unveiling Pioneer Bancorp Inc-NY's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 14, 2024	m3 partners lp	6.97%	1,809,350	SC 13G/A
Feb 06, 2024	fj capital management llc	6.19%	1,607,359	SC 13G/A
Feb 10, 2023	m3 partners lp	5.85%	1,518,787	SC 13G/A
Feb 08, 2023	fj capital management llc	4.06%	1,055,461	SC 13G/A
Apr 21, 2022	m3 partners lp	5.16%	1,341,036	SC 13G
May 18, 2021	fj capital management llc	1.46%	380,387	SC 13G

Recent SEC filings of Pioneer Bancorp Inc-NY

View All Filings

Date Filed	Form Type	Document
May 13, 2024	10-Q	Quarterly Report
May 01, 2024	8-K	Current Report
Apr 01, 2024	8-K	Current Report
Feb 14, 2024	SC 13G/A	Major Ownership Report
Feb 13, 2024	10-Q	Quarterly Report
Feb 08, 2024	8-K	Current Report

Peers (Alternatives to Pioneer Bancorp Inc-NY)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	588.1B	174.7B	13.73%	46.82%	11.68	3.37	53.11%	19.83%
BAC	307.4B	137.9B	11.58%	38.08%	12.28	2.23	56.12%	-12.56%
WFC	213.0B	85.8B	6.86%	51.95%	11.35	2.48	35.02%	26.14%
C	122.2B	125.0B	10.16%	38.13%	15.29	0.98	37.85%	-
CFG	16.9B	10.4B	12.51%	41.04%	11.81	1.62	26.22%	-33.87%
KEY	14.5B	8.1B	6.72%	53.23%	16.61	1.78	32.15%	-50.93%
MID-CAP
CMA	7.3B	4.2B	10.08%	41.38%	10.46	1.71	34.68%	-45.96%
ZION	6.6B	4.1B	14.23%	65.05%	10.55	1.63	32.93%	-30.73%
ABCB	3.5B	1.3B	13.35%	57.95%	12.32	2.65	30.60%	-12.99%
ASB	3.4B	2.0B	11.57%	43.03%	20.88	1.65	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
AROW	417.1M	173.1M	15.06%	27.00%	14.3	2.41	26.54%	-34.86%
ALRS	390.4M	152.4M	-0.90%	32.84%	39.27	2.56	16.94%	-73.84%
ACNB	295.5M	98.7M	10.19%	20.01%	10.04	2.99	6.27%	-22.90%
ASRV	48.0M	62.5M	8.95%	-1.75%	-16.24	0.77	18.83%	-145.18%

Pioneer Bancorp Inc-NY News

Latest updates

Pioneer Bancorp Inc-NY Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	7.6%	23,115	21,486	20,156	19,084	18,779	17,979	15,192	12,129	10,245	10,851	10,616	10,684	10,940	11,238	11,065	11,816	13,288	13,830	14,585	14,227	13,599
EBITDA Margin	-7.1%	1.05*	1.13*	1.25*	1.35*	1.39*	1.34*	1.40*	1.33*	1.20*	1.22*	1.09*	1.08*	1.17*	-	-	-	-	-	-	-	-
Interest Expenses	7.7%	17,331	16,094	15,890	16,217	17,516	17,135	14,674	11,745	9,906	10,491	10,235	10,286	10,502	10,679	10,350	10,924	12,053	12,553	13,258	12,940	12,460
Income Taxes	62.7%	1,337	822	890	1,214	1,644	1,792	1,257	687	154	1,804	414	430	296	554	303	199	211	985	-597	-2,588	1,437
Earnings Before Taxes	50.9%	6,056	4,014	4,309	5,721	7,668	7,975	6,491	3,050	456	8,061	1,771	-3,123	1,637	2,449	1,697	1,675	1,060	4,835	-1,574	-9,301	6,216
EBT Margin	-12.2%	0.24*	0.27*	0.34*	0.39*	0.39*	0.32*	0.37*	0.30*	0.17*	0.19*	0.06*	0.06*	0.17*	-	-	-	-	-	-	-	-
Net Income	47.8%	4,719	3,192	3,419	4,507	6,024	6,183	5,234	2,363	302	6,257	1,357	-3,553	1,341	1,895	1,394	1,476	849	3,850	-977	-6,713	4,779
Net Income Margin	-12.4%	0.19*	0.22*	0.26*	0.31*	0.31*	0.25*	0.29*	0.23*	0.10*	0.13*	0.02*	0.02*	0.14*	-	-	-	-	-	-	-	-
Free Cashflow	421.6%	3,242	-1,008	12,377	13,574	2,214	2,311	7,910	21,274	22,641	-460	5,732	5,164	21,280	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Assets	7.0%	1,982	1,853	1,963	1,856	1,864	1,835	2,070	1,964	1,974	1,843	1,968	1,796	1,788	1,574	1,629	1,526	1,500	1,392	1,450	1,468	1,386
Cash Equivalents	76.6%	247	140	217	150	145	147	403	376	465	349	479	325	329	196	262	157	190	115	189	230	157
Net PPE	-	-	-	-	-	42.00	43.00	43.00	38.00	38.00	38.00	38.00	39.00	39.00	40.00	40.00	41.00	41.00	42.00	42.00	42.00	42.00
Goodwill	0%	11.00	11.00	11.00	9.00	9.00	9.00	9.00	9.00	0.00	1.00	7.00	7.00	7.00	7.00	7.00	7.00	7.00	7.00	7.00	7.00	7.00
Liabilities	7.9%	1,693	1,569	1,692	1,589	1,604	1,585	1,828	1,722	1,737	1,599	1,729	1,558	1,560	1,347	1,404	1,302	1,271	1,164	1,226	1,345	1,254
Shareholder's Equity	1.8%	289	284	272	267	260	250	242	243	237	244	239	238	229	227	225	224	229	228	224	123	132
Retained Earnings	2.6%	185	180	177	173	169	163	156	151	149	148	142	141	144	143	141	140	139	138	134	134	130
Additional Paid-In Capital	0.0%	113	113	113	114	114	114	114	114	114	114	114	114	114	114	114	114	114	114	114	-	-
Shares Outstanding	0%	26.00	26.00	26.00	26.00	26.00	25.00	25.00	26.00	25.00	25.00	25.00	26.00	25.00	-	-	-	-	-	-	-	-
Float	-	-	-	-	-	-	122	-	-	-	121	-	-	-	112	-	-	-	160	-	-	-

Cashflow (Last 12 Months)

(In Thousands)

Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	450.7%	3,307	-943	12,442	13,639	2,279	2,376	7,975	21,406	22,769	-109	5,901	5,420	21,469	7,784	-2,020	9,428	-18,381	11,893	-915	-1,798	157
Cashflow From Investing	-156.5%	-21,002	37,176	-38,971	11,180	-29,099	-19,968	-76,986	-81,105	-38,361	-6,270	-22,296	-7,694	-99,374	-17,682	-356	-57,540	-12,639	-23,310	-15,985	-14,919	2,605
Cashflow From Financing	210.1%	124,602	-113,143	92,595	-19,399	24,560	-237,959	95,820	-29,007	131,216	-123,058	170,011	-1,320	210,457	-56,255	107,631	14,814	106,336	-62,468	-24,439	90,040	97,568

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PBFS Income Statement

2024-03-31

CONSOLIDATED STATEMENTS OF OPERATIONS (unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023
Interest and dividend income:
Loans	$ 18,740	$ 14,658	$ 52,996	$ 39,676
Securities	2,341	2,624	7,510	7,081
Interest-earning deposits with banks and other	2,034	1,497	4,252	5,192
Total interest and dividend income	23,115	18,779	64,758	51,949
Interest expense:
Deposits	5,536	1,049	14,578	2,087
Borrowings and other	248	214	865	538
Total interest expense	5,784	1,263	15,443	2,625
Net interest income	17,331	17,516	49,315	49,324
Provision for credit losses	80		1,950	(280)
Net interest income after provision for credit losses	17,251	17,516	47,365	49,604
Noninterest income:
Bank fees and service charges	1,501	1,398	4,445	4,437
Insurance and wealth management services	2,298	1,715	7,035	5,636
Net gain (loss) on equity securities	386	(59)	735	170
Net loss on securities available for sale transactions			(5,645)
Litigation-related income			5,950
Other	49	196	122	758
Total noninterest income	4,234	3,250	12,642	11,001
Noninterest expense:
Salaries and employee benefits	7,387	7,068	21,768	20,881
Net occupancy and equipment	1,912	1,912	5,644	5,464
Data processing	1,065	1,143	3,569	3,256
Advertising and marketing	164	176	517	611
Insurance premiums	221	225	686	682
Federal Deposit Insurance Corporation insurance premiums	271	244	803	568
Professional fees	3,102	1,202	8,532	3,073
Other	1,307	1,128	4,109	3,936
Total noninterest expense	15,429	13,098	45,628	38,471
Income before income taxes	6,056	7,668	14,379	22,134
Income tax expense	1,337	1,644	3,049	4,693
Net income	$ 4,719	$ 6,024	$ 11,330	$ 17,441
Net earnings per common share:
Basic (in dollars per share)	$ 0.19	$ 0.24	$ 0.45	$ 0.69
Diluted (in dollars per share)	$ 0.19	$ 0.24	$ 0.45	$ 0.69
Weighted average shares outstanding - basic (in shares)	25,220,299	25,169,382	25,213,934	25,163,018
Weighted average shares outstanding - diluted (in shares)	25,220,299	25,169,382	25,213,934	25,163,018

About Pioneer Bancorp Inc-NY

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. The company was founded in 1889 and is based in Albany, New York. Pioneer Bancorp, Inc. operates as a subsidiary of Pioneer Bancorp, MHC.

CEO	Mr. Thomas L. Amell
WEBSITE	pioneerny.com
INDUSTRY	Banks Diversified
EMPLOYEES	256

Pioneer Bancorp Inc-NY Frequently Asked Questions

What is the ticker symbol for Pioneer Bancorp Inc-NY? What does PBFS stand for in stocks?

PBFS is the stock ticker symbol of Pioneer Bancorp Inc-NY. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Pioneer Bancorp Inc-NY (PBFS)?

As of Fri May 17 2024, market cap of Pioneer Bancorp Inc-NY is 241.07 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of PBFS stock?

You can check PBFS's fair value in chart for subscribers.

What is the fair value of PBFS stock?

You can check PBFS's fair value in chart for subscribers. The fair value of Pioneer Bancorp Inc-NY is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Pioneer Bancorp Inc-NY is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for PBFS so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Pioneer Bancorp Inc-NY a good stock to buy?

The fair value guage provides a quick view whether PBFS is over valued or under valued. Whether Pioneer Bancorp Inc-NY is cheap or expensive depends on the assumptions which impact Pioneer Bancorp Inc-NY's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for PBFS.

What is Pioneer Bancorp Inc-NY's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri May 17 2024, PBFS's PE ratio (Price to Earnings) is 15.22 and Price to Sales (PS) ratio is 2.88. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. PBFS PE ratio will change depending on the future growth rate expectations of investors.