PBFS - Pioneer Bancorp Inc-NY Stock Price, Fair Value and News

9.33USD+0.13 (+1.41%)Market Closed

Market Summary

USD9.33+0.13

Market Closed

1.41%

PBFS Stock Price

View Fullscreen

PBFS RSI Chart

PBFS Valuation

Market Cap

242.4M

Price/Earnings (Trailing)

14.14

Price/Sales (Trailing)

3.05

EV/EBITDA

1.14

Price/Free Cashflow

8.84

PBFS Price/Sales (Trailing)

PBFS Profitability

EBT Margin

27.31%

Return on Equity

6.04%

Return on Assets

0.93%

Free Cashflow Yield

11.31%

PBFS Fundamentals

PBFS Revenue

Revenue (TTM)

79.5M

Rev. Growth (Yr)

19.51%

Rev. Growth (Qtr)

6.6%

PBFS Earnings

Earnings (TTM)

17.1M

Earnings Growth (Yr)

-48.37%

Earnings Growth (Qtr)

-6.64%

Breaking Down PBFS Revenue

Last 7 days

3.8%

Last 30 days

0.3%

Last 90 days

-5.8%

Trailing 12 Months

13.6%

How does PBFS drawdown profile look like?

PBFS Financial Health

PBFS Investor Care

Diluted EPS (TTM)

0.69

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs

Net sales

Year	Q1	Q2	Q3	Q4
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

Get all data in R, Python etc through our Historical Stock Data APIs

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?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 07, 2024	PANAGORA ASSET MANAGEMENT INC	added	6.18	4,926	126,147	-%
May 07, 2024	NEW YORK STATE COMMON RETIREMENT FUND	added	0.42	-1,000	39,000	-%
May 07, 2024	Empowered Funds, LLC	added	116	526,310	996,520	0.01%
May 06, 2024	FAGAN ASSOCIATES, INC.	unchanged	-	-3,400	166,770	0.03%
May 02, 2024	First Pacific Advisors, LP	new	-	516,281	516,281	0.01%
May 01, 2024	CONCOURSE FINANCIAL GROUP SECURITIES, INC.	sold off	-	-	-	-%
Apr 30, 2024	Sequoia Financial Advisors, LLC	unchanged	-	-2,193	107,587	-%
Apr 30, 2024	Avior Wealth Management, LLC	new	-	9.00	9.00	-%
Apr 25, 2024	Bank of New York Mellon Corp	reduced	-6.05	-27,031	313,930	-%
Apr 23, 2024	AMALGAMATED BANK	reduced	-62.89	-7,000	4,000	-%

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 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
Feb 07, 2024	8-K	Current Report
Feb 06, 2024	SC 13G/A	Major Ownership 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	567.2B	174.7B	0.18%	44.71%	11.26	3.25	53.11%	19.83%
BAC	299.4B	127.4B	1.46%	40.12%	11.96	2.17	56.12%	-12.56%
WFC	213.7B	85.8B	6.46%	60.14%	11.39	2.49	35.02%	26.14%
C	120.8B	125.0B	2.71%	36.58%	15.11	0.97	37.85%	-
CFG	16.4B	10.4B	2.97%	41.85%	11.46	1.57	26.22%	-33.87%
KEY	14.2B	8.1B	-2.96%	61.70%	16.26	1.75	32.15%	-50.93%
MID-CAP
CMA	7.1B	4.2B	-2.04%	52.25%	10.18	1.67	34.68%	-45.96%
ZION	6.5B	4.1B	1.86%	86.61%	10.4	1.6	32.93%	-30.73%
ABCB	3.5B	1.3B	4.92%	71.30%	12.23	2.63	30.60%	-12.99%
ASB	3.4B	1.8B	4.24%	49.43%	20.98	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%
ALRS	404.0M	152.4M	-2.01%	50.33%	40.64	2.65	16.94%	-73.84%
AROW	399.9M	162.6M	3.34%	19.72%	13.3	2.46	25.39%	-38.37%
ACNB	279.8M	98.7M	-6.05%	16.29%	9.51	2.84	6.27%	-22.90%
ASRV	44.6M	60.9M	12.07%	-9.72%	-13.32	0.73	24.06%	-144.92%

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	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Revenue	6.6%	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	13,327
EBITDA Margin	-9.5%	1.13*	1.25*	1.35*	1.39*	1.34*	1.40*	1.33*	1.20*	1.22*	1.09*	1.08*	1.17*	1.13*	1.16*	-	-	-	-	-	-	-
Interest Expenses	1.3%	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	12,275
Income Taxes	-7.6%	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	665
Earnings Before Taxes	-6.8%	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	5,465
EBT Margin	-19.2%	0.27*	0.34*	0.39*	0.39*	0.32*	0.37*	0.30*	0.17*	0.19*	0.06*	0.06*	0.17*	0.15*	0.19*	-	-	-	-	-	-	-
Net Income	-6.6%	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	4,800
Net Income Margin	-18.6%	0.22*	0.26*	0.31*	0.31*	0.25*	0.29*	0.23*	0.10*	0.13*	0.02*	0.02*	0.14*	0.12*	0.15*	-	-	-	-	-	-	-
Free Cashflow	-107.6%	-943	12,442	13,574	2,264	2,261	7,910	21,274	22,641	-460	5,732	5,164	21,280	7,677	-2,064	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q2
Assets	-5.6%	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	1,284
Cash Equivalents	-35.5%	140	217	150	145	147	403	376	465	349	479	325	329	196	262	157	190	115	189	230	157	120
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	43.00
Goodwill	0%	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	7.00
Liabilities	-7.2%	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	1,166
Shareholder's Equity	4.4%	284	272	267	260	250	242	243	237	244	239	238	229	227	225	224	229	228	224	123	132	118
Retained Earnings	1.8%	180	177	173	169	163	156	151	149	148	142	141	144	143	141	140	139	138	134	134	130	116
Additional Paid-In Capital	-0.1%	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	25.00	25.00	26.00	25.00	25.00	25.00	26.00	25.00	25.00	-	-	-	-	-	-	-	-
Float	-	-	-	-	-	122	-	-	-	121	-	-	-	112	-	-	-	160	-	-	-	-

Cashflow (Last 12 Months)

(In Thousands)

Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Cashflow From Operations	-107.6%	-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	577
Cashflow From Investing	195.4%	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	-3,123
Cashflow From Financing	-222.2%	-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	-89,410

Get Full Access to Grufity – and Unlimited Downloads

Gain full access to fair value, watchlists, stock screener, unlimited page visits, and additional features by joining as a member today for just $1.99.

Try For Just $1.99

PBFS Income Statement

2023-12-31

CONSOLIDATED STATEMENTS OF OPERATIONS (unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2023	Dec. 31, 2022
Interest and dividend income:
Loans	$ 17,722	$ 13,506	$ 34,255	$ 25,018
Securities	2,601	2,523	5,169	4,457
Interest-earning deposits with banks and other	1,163	1,950	2,218	3,695
Total interest and dividend income	21,486	17,979	41,642	33,170
Interest expense:
Deposits	5,087	632	9,042	1,038
Borrowings and other	305	212	617	324
Total interest expense	5,392	844	9,659	1,362
Net interest income	16,094	17,135	31,983	31,808
Provision for credit losses	1,120	(400)	1,870	(280)
Net interest income after provision for credit losses	14,974	17,535	30,113	32,088
Noninterest income:
Bank fees and service charges	1,498	1,469	2,944	3,039
Insurance and wealth management services	2,756	2,187	4,737	3,921
Net gain on equity securities	269	268	349	228
Net loss on securities available for sale transactions	(5,645)		(5,645)
Litigation-related income	5,950		5,950
Other	7	22	74	563
Total noninterest income	4,835	3,946	8,409	7,751
Noninterest expense:
Salaries and employee benefits	7,457	7,220	14,381	13,812
Net occupancy and equipment	1,901	1,841	3,732	3,552
Data processing	1,314	1,076	2,503	2,113
Advertising and marketing	212	294	353	435
Insurance premiums	226	226	465	457
Federal Deposit Insurance Corporation insurance premiums	270	153	532	324
Professional fees	2,844	1,098	5,430	1,871
Other	1,571	1,598	2,803	2,810
Total noninterest expense	15,795	13,506	30,199	25,374
Income before income taxes	4,014	7,975	8,323	14,465
Income tax expense	822	1,792	1,712	3,048
Net income	$ 3,192	$ 6,183	$ 6,611	$ 11,417
Net earnings per common share:
Basic (in dollars per share)	$ 0.13	$ 0.25	$ 0.26	$ 0.45
Diluted (in dollars per share)	$ 0.13	$ 0.25	$ 0.26	$ 0.45
Weighted average shares outstanding - basic (in shares)	25,207,569	25,156,653	25,201,205	25,150,289
Weighted average shares outstanding - diluted (in shares)	25,207,569	25,156,653	25,201,205	25,150,289

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 Thu May 09 2024, market cap of Pioneer Bancorp Inc-NY is 242.37 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 Thu May 09 2024, PBFS's PE ratio (Price to Earnings) is 14.14 and Price to Sales (PS) ratio is 3.05. 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.