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XNAS
PBFS
Market cap321mUSD
Jul 22, Last price  
12.43USD
1D
2.30%
1Q
10.98%
IPO
-13.38%
Name

Pioneer Bancorp Inc

Chart & Performance

D1W1MN
P/E
21.06
P/S
4.33
EPS
0.59
Div Yield, %
Shrs. gr., 5y
-0.59%
Rev. gr., 5y
2.97%
Revenues
74m
-6.90%
46,107,00059,418,00064,086,00064,470,00057,567,00056,452,00079,689,00074,193,000
Net income
15m
-30.47%
5,631,00011,499,00019,016,000-6,509,0001,077,00010,279,00021,948,00015,260,000
CFO
24m
-9.22%
11,865,00020,234,0006,129,0002,025,00032,653,00049,967,00026,269,00023,847,000
Earnings
Jul 29, 2025

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.
IPO date
Jul 18, 2019
Employees
256
Domiciled in
US
Incorporated in
US

Valuation

Title
USD in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFY
2024‑062023‑062022‑062021‑062020‑062019‑062018‑062017‑06
Income
Revenues
74,193
-6.90%
79,689
41.16%
Cost of revenue
31,957
38,667
Unusual Expense (Income)
NOPBT
42,236
41,022
NOPBT Margin
56.93%
51.48%
Operating Taxes
4,149
5,907
Tax Rate
9.82%
14.40%
NOPAT
38,087
35,115
Net income
15,260
-30.47%
21,948
113.52%
Dividends
Dividend yield
Proceeds from repurchase of equity
(1,075)
BB yield
0.43%
Debt
Debt current
Long-term debt
5,122
Deferred revenue
Other long-term liabilities
1,598,876
1,589,491
Net debt
(294,346)
(918,158)
Cash flow
Cash from operating activities
23,847
26,269
CAPEX
(838)
(451)
Cash from investing activities
(18,048)
(114,873)
Cash from financing activities
8,913
(136,978)
FCF
825,831
(2,107,050)
Balance
Cash
294,346
465,251
Long term investments
458,029
Excess cash
290,636
919,296
Stockholders' equity
192,936
163,730
Invested Capital
1,702,468
1,682,913
ROIC
2.25%
3.15%
ROCE
2.23%
2.21%
EV
Common stock shares outstanding
25,223
25,169
Price
10.01
11.84%
8.95
-8.67%
Market cap
252,483
12.08%
225,266
-8.53%
EV
(41,863)
(692,892)
EBITDA
44,832
43,720
EV/EBITDA
Interest
21,803
5,492
Interest/NOPBT
51.62%
13.39%