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Financial Services - Banks - Regional - NASDAQ - US
$ 11.29
-2 %
$ 292 M
Market Cap
15.68
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on May, 7, 2025.

The intrinsic value of one PBFS stock under the worst case scenario is HIDDEN Compared to the current market price of 11.3 USD, Pioneer Bancorp, Inc. is HIDDEN

This DCF valuation model was last updated on May, 7, 2025.

The intrinsic value of one PBFS stock under the base case scenario is HIDDEN Compared to the current market price of 11.3 USD, Pioneer Bancorp, Inc. is HIDDEN

This DCF valuation model was last updated on May, 7, 2025.

The intrinsic value of one PBFS stock under the best case scenario is HIDDEN Compared to the current market price of 11.3 USD, Pioneer Bancorp, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart PBFS

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$12.2$12.2$12.0$12.0$11.8$11.8$11.6$11.6$11.4$11.4$11.2$11.2$11.0$11.0$10.8$10.815 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '25
FINANCIALS
74.2 M REVENUE
-6.90%
13.5 M OPERATING INCOME
-51.68%
15.3 M NET INCOME
-30.47%
23.8 M OPERATING CASH FLOW
-9.22%
-18 M INVESTING CASH FLOW
84.29%
8.91 M FINANCING CASH FLOW
106.51%
29.1 M REVENUE
32.38%
4.22 M OPERATING INCOME
-48.57%
3.29 M NET INCOME
-47.81%
17.8 M OPERATING CASH FLOW
829.62%
-99.4 M INVESTING CASH FLOW
-67.58%
-46.8 M FINANCING CASH FLOW
-39.95%
Balance Sheet Pioneer Bancorp, Inc.
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Current Assets 1.65 B
Cash & Short-Term Investments 165 M
Receivables 1.35 B
Other Current Assets 129 M
Non-Current Assets 53.9 M
Long-Term Investments 0
PP&E 40.1 M
Other Non-Current Assets 13.8 M
9.72 %79.51 %7.60 %Total Assets$1.7b
Current Liabilities 0
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 1.6 B
Long-Term Debt 0
Other Non-Current Liabilities 1.6 B
100.00 %Total Liabilities$1.6b
EFFICIENCY
Earnings Waterfall Pioneer Bancorp, Inc.
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Revenue 74.2 M
Cost Of Revenue 0
Gross Profit 74.2 M
Operating Expenses 54 M
Operating Income 13.5 M
Other Expenses -1.8 M
Net Income 15.3 M
80m80m70m70m60m60m50m50m40m40m30m30m20m20m10m10m0074m074m(54m)13m2m15mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
18.14% OPERATING MARGIN
18.14%
20.57% NET MARGIN
20.57%
5.15% ROE
5.15%
0.81% ROA
0.81%
0.62% ROIC
0.62%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Pioneer Bancorp, Inc.
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50m50m45m45m40m40m35m35m30m30m25m25m20m20m15m15m10m10m5m5m002018201820192019202020202021202120222022202320232024202420252025
Net Income 15.3 M
Depreciation & Amortization 2.6 M
Capital Expenditures -838 K
Stock-Based Compensation 626 K
Change in Working Capital -841 K
Others 5.55 M
Free Cash Flow 23 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Pioneer Bancorp, Inc.
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PBFS has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
5. COMPETITION
slide 2 of 8
6. Ownership
Insider Ownership Pioneer Bancorp, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
46.8 K USD 1
9-12 MONTHS
7. News
Pioneer Natural Resources Grows, Making Intelligent Moves (NYSE:PXD) Pioneer Natural Resources has recently made intelligent moves to significantly improve its portfolio. The acquisition allows the company to use synergies to take advantage of low oil prices to improve its cash flow. seekingalpha.com - 4 years ago
Vestmark Advisory Solutions Inc. Trims Stock Position in Pioneer Natural Resources (NYSE:PXD) Vestmark Advisory Solutions Inc. decreased its holdings in Pioneer Natural Resources (NYSE:PXD) by 3.9% in the 3rd quarter, according to its most recent 13F filing with the Securities and Exchange Commission (SEC). The firm owned 5,257 shares of the oil and gas development company’s stock after selling 216 shares during the quarter. Vestmark Advisory Solutions […] thelincolnianonline.com - 4 years ago
Crude Oil Prices Pick up on Jobless, Housing Data But Stay in Range Crude Oil Prices Pick up on Jobless, Housing Data But Stay in Range investing.com - 4 years ago
Texas oil deal must navigate potential father-son conflict The latest merger between two U.S. shale producers is dealing with an unusual family dynamic that has raised concerns about a potential conflict of interest. houstonchronicle.com - 4 years ago
Pioneer Natural Resources to acquire Parsley Energy in $4.5B deal Pioneer Natural Resources plans to acquire rival Parsley Energy in an all stock deal valued at $4.5 billion, creating a powerhouse in the Permian Basin of West Texas. houstonchronicle.com - 4 years ago
Pioneer Natural, Parsley Ink $7.6B Deal; RBC Praises Stronger FCF Outlook Pioneer Natural Resources (PXD) and Parsley Energy have entered into a definitive agreement under which Pioneer will acquire all of the outstanding shares smarteranalyst.com - 4 years ago
Pioneer Natural Resources Announces Agreement to Acquire Parsley Energy - Oil & Gas 360 The transaction has been unanimously approved by the Boards of Directors of both Pioneer  and Parsley and is expected to close in the first quarter of 2021, subject to customary closing conditions, regulatory approvals and shareholder approvals. Parsley’s largest investor, Quantum Energy Partners, which owns approximately 17% of Parsley’s outstanding shares, has executed a Voting and Support Agreement in connection with the transaction. oilandgas360.com - 4 years ago
Texas Oil Deal Must Navigate Potential Father-Son Conflict Texas Oil Deal Must Navigate Potential Father-Son Conflict uk.investing.com - 4 years ago
Wall Street Breakfast: Gap Narrows On Stimulus Listen on the go! A daily podcast of Wall Street Breakfast will be available by 8:00 a.m. on Seeking Alpha, iTunes, Stitcher and Spotify. seekingalpha.com - 4 years ago
8. Profile Summary

Pioneer Bancorp, Inc. PBFS

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 292 M
Dividend Yield 0.00%
Description 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.
Contact 652 Albany Shaker Road, Albany, NY, 12211 https://www.pioneerny.com
IPO Date July 18, 2019
Employees 268
Officers Mr. Thomas L. Amell President, Chief Executive Officer & Director Mr. Patrick J. Hughes CPA Executive Vice President & Chief Financial Officer Mr. Jesse A. Tomczak Executive Vice President & Chief Banking Officer Mr. Thomas Harry Signor CPA Executive Vice President & Chief Administration Officer Ms. Susan M. Hollister Executive Vice President, Chief Human Resources Officer & Corporate Secretary Ms. Kelli Arnold Executive Vice President and Chief Strategy & Innovations Officer Mr. James A. Murphy Executive Vice President & Chief Credit Officer