Pioneer Bancorp, Inc.

Pioneer Bancorp, Inc.

Financial Services

NASDAQ:PBFS · NASDAQ Capital Market

Market Cap $415.27M Beta 0.43 P/E (TTM) 20.5
$16.87 +0.36%

+$0.06 today

52W Low $11.40High $17.04

Vol 0.01M · Avg 0.02M

EPS (TTM)$0.82
Banks - Regional

Management

Put operating results in leadership context

Review returns on capital, executive background, insider transactions, and growth quality to judge whether management is compounding value well.

Return Metrics

ROE, ROIC & ROA over time

Management

ROE

6.1%

avg 5.3%

ROIC

7.4%

avg 5.0%

ROA

0.9%

avg 0.6%

Analysis

ROIC is currently the strongest return metric at 7.4% versus its period average of 5.0%. 0 of 3 return metrics are above their quality threshold, which helps indicate how efficiently the company turns capital and assets into profit.

Management

Key executives, compensation & ownership

Management
NameTitleCompensationTenureAgeShares OwnedOwnership %

Thomas L. Amell

President, Chief Executive Officer & Director$1.09M58$40,000.000.16%

Patrick J. Hughes

Executive Vice President & Chief Financial Officer$542,150.0052$100,000.000.40%

Jesse A. Tomczak

Executive Vice President & Chief Banking Officer$517,967.0052$46,143.000.18%

Susan Hollister

Executive Vice President, Chief Human Resources Officer & Corporate Secretary59$29,463.000.12%

Gary Christopher Galarpe

Chief Compliance Officer of Pioneer Capital Markets, Inc.

Robert Kursar

Senior Vice President of Pioneer Capital Markets, Inc.$0.00<0.01%

Thomas Harry Signor

Executive Vice President & Chief Administration Officer58$40,000.000.16%

Peter Brandel Jr.

President of Pioneer Capital Markets, Inc.

Thomas E. Ratsep

Executive Vice President & Chief Credit Officer57$40,000.000.16%

Insider Trading

SEC Form 4 transactions — last 12 months

Management

Buys

0

$0.00

Sells

22

$79,244.23

Net Sentiment

$79,244.23

Net selling

Most Active

Tomczak Jesse

22 transactions

DateInsiderTypeSharesPriceValue
Dec 12, 2025

Tomczak Jesse

Direct

Sell156$14.60$2,277.60
Dec 12, 2025

Tomczak Jesse

Direct

Sell96$14.61$1,402.08
Dec 12, 2025

Tomczak Jesse

Direct

Sell128$14.61$1,870.08
Dec 12, 2025

Tomczak Jesse

Direct

Sell339$14.62$4,956.18
Dec 12, 2025

Tomczak Jesse

Direct

Sell2$14.63$29.26
Dec 12, 2025

Tomczak Jesse

Direct

Sell62$14.64$907.68
Dec 12, 2025

Tomczak Jesse

Direct

Sell889$14.65$13,023.85
Dec 12, 2025

Tomczak Jesse

Direct

Sell277$14.66$4,060.82
Dec 12, 2025

Tomczak Jesse

Direct

Sell27$14.67$396.09
Dec 12, 2025

Tomczak Jesse

Direct

Sell624$14.68$9,160.32

1–10 of 22

Analysis

Insiders reported 0 buys worth $0.00 and 22 sells worth $79,244.23 over the last 12 months. That adds up to net selling of $79,244.23. Tomczak Jesse was the most active insider with 22 transactions.

Growth Analysis

Historical CAGR & forward analyst estimates

Metric 10yr5yr3yr Fwd Est.
EPSN/AN/A-65.3%
N/A
RevenueN/AN/A+0.2%
N/A
Net IncomeN/AN/A-54.6%
N/A
EBITN/AN/A-46.9%
N/A

Analysis

Recent growth has been strongest in Revenue at +0.2% over three years.

Who manages PBFS?

Pioneer Bancorp, Inc. (PBFS) lists 9 active executives. The top listed executive is Jesse A. Tomczak, Executive Vice President & Chief Banking Officer.

Are PBFS insiders buying or selling?

Recent insider activity shows net buying of $189,770.71.

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