Pioneer Bancorp（PBFS）株式概要パイオニア・バンコープ・インクは、ニューヨークで様々な銀行商品やサービスを提供するパイオニア・バンク・ナショナル・アソシエーションの持株会社として運営されている。 詳細PBFS ファンダメンタル分析スノーフレーク・スコア評価0/6将来の成長0/6過去の実績2/6財務の健全性6/6配当金0/6報酬過去5年間の収益は年間25.9%増加しました。 リスク分析リスクチェックの結果、PBFS 、リスクは検出されなかった。すべてのリスクチェックを見るPBFS Community Fair Values Create NarrativeSee what others think this stock is worth. Follow their fair value or set your own to get alerts.Your Fair ValueUS$Current PriceUS$15.8224.1% 割安 内在価値ディスカウントGrowth estimate overAnnual revenue growth rate5 Yearstime period%/yrDecreaseIncreasePastFuture0169m2016201920222025202620282031Revenue US$168.9mEarnings US$35.5mAdvancedSet Fair ValueView all narrativesPioneer Bancorp, Inc. 競合他社Plumas BancorpSymbol: NasdaqCM:PLBCMarket cap: US$372.8mFarmers & Merchants BancorpSymbol: NasdaqCM:FMAOMarket cap: US$381.6mMVB FinancialSymbol: NasdaqCM:MVBFMarket cap: US$345.8mBankFirst CapitalSymbol: OTCPK:BFCCMarket cap: US$333.1m価格と性能株価の高値、安値、推移の概要Pioneer Bancorp過去の株価現在の株価US$15.8252週高値US$17.0452週安値US$11.24ベータ0.411ヶ月の変化11.25%3ヶ月変化9.94%1年変化38.89%3年間の変化64.96%5年間の変化34.41%IPOからの変化7.25%最新ニュースBoard Change • May 24Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 2 experienced directors. 4 highly experienced directors. Independent Director Charles Seifert was the last director to join the board, commencing their role in 2024. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.Reported Earnings • May 01First quarter 2026 earnings released: EPS: US$0.22 (vs US$0.23 in 1Q 2025)First quarter 2026 results: EPS: US$0.22 (down from US$0.23 in 1Q 2025). Revenue: US$23.8m (up 8.3% from 1Q 2025). Net income: US$5.29m (down 8.2% from 1Q 2025). Profit margin: 22% (down from 26% in 1Q 2025). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 4% per year but the company’s share price has increased by 18% per year, which means it is tracking significantly ahead of earnings growth.お知らせ • Apr 08Pioneer Bancorp, Inc., Annual General Meeting, May 19, 2026Pioneer Bancorp, Inc., Annual General Meeting, May 19, 2026.Reported Earnings • Mar 15Full year 2025 earnings released: EPS: US$0.83 (vs US$0.73 in FY 2024)Full year 2025 results: EPS: US$0.83 (up from US$0.73 in FY 2024). Revenue: US$92.6m (up 8.1% from FY 2024). Net income: US$20.3m (up 11% from FY 2024). Profit margin: 22% (in line with FY 2024). Non-performing loans: 0.67% (up from 0.36% in FY 2024). Over the last 3 years on average, earnings per share has increased by 7% per year whereas the company’s share price has increased by 12% per year.Reported Earnings • Feb 01Full year 2025 earnings released: EPS: US$0.83 (vs US$0.77 in FY 2024)Full year 2025 results: EPS: US$0.83 (up from US$0.77 in FY 2024). Revenue: US$92.6m (up 5.1% from FY 2024). Net income: US$20.3m (up 5.7% from FY 2024). Profit margin: 22% (in line with FY 2024). Over the last 3 years on average, earnings per share has increased by 7% per year whereas the company’s share price has increased by 8% per year.Recent Insider Transactions • Dec 17Executive VP & Chief Banking Officer recently sold US$79k worth of stockOn the 12th of December, Jesse Tomczak sold around 5k shares on-market at roughly US$14.69 per share. This transaction amounted to 9.3% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. This was the only on-market transaction from insiders over the last 12 months.最新情報をもっと見るRecent updatesBoard Change • May 24Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 2 experienced directors. 4 highly experienced directors. Independent Director Charles Seifert was the last director to join the board, commencing their role in 2024. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.Reported Earnings • May 01First quarter 2026 earnings released: EPS: US$0.22 (vs US$0.23 in 1Q 2025)First quarter 2026 results: EPS: US$0.22 (down from US$0.23 in 1Q 2025). Revenue: US$23.8m (up 8.3% from 1Q 2025). Net income: US$5.29m (down 8.2% from 1Q 2025). Profit margin: 22% (down from 26% in 1Q 2025). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 4% per year but the company’s share price has increased by 18% per year, which means it is tracking significantly ahead of earnings growth.お知らせ • Apr 08Pioneer Bancorp, Inc., Annual General Meeting, May 19, 2026Pioneer Bancorp, Inc., Annual General Meeting, May 19, 2026.Reported Earnings • Mar 15Full year 2025 earnings released: EPS: US$0.83 (vs US$0.73 in FY 2024)Full year 2025 results: EPS: US$0.83 (up from US$0.73 in FY 2024). Revenue: US$92.6m (up 8.1% from FY 2024). Net income: US$20.3m (up 11% from FY 2024). Profit margin: 22% (in line with FY 2024). Non-performing loans: 0.67% (up from 0.36% in FY 2024). Over the last 3 years on average, earnings per share has increased by 7% per year whereas the company’s share price has increased by 12% per year.Reported Earnings • Feb 01Full year 2025 earnings released: EPS: US$0.83 (vs US$0.77 in FY 2024)Full year 2025 results: EPS: US$0.83 (up from US$0.77 in FY 2024). Revenue: US$92.6m (up 5.1% from FY 2024). Net income: US$20.3m (up 5.7% from FY 2024). Profit margin: 22% (in line with FY 2024). Over the last 3 years on average, earnings per share has increased by 7% per year whereas the company’s share price has increased by 8% per year.Recent Insider Transactions • Dec 17Executive VP & Chief Banking Officer recently sold US$79k worth of stockOn the 12th of December, Jesse Tomczak sold around 5k shares on-market at roughly US$14.69 per share. This transaction amounted to 9.3% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. This was the only on-market transaction from insiders over the last 12 months.Recent Insider Transactions Derivative • Dec 14Executive VP & Chief Banking Officer notifies of intention to sell stockJesse Tomczak intends to sell 5k shares in the next 90 days after lodging an Intent To Sell Form on the 12th of December. If the sale is conducted around the recent share price of US$14.21, it would amount to US$77k. Since March 2025, Jesse's direct individual holding has decreased from 59.54k shares to 58.05k. There have been no trades via on-market transactions or options from company insiders in the last 12 months.Buy Or Sell Opportunity • Nov 05Now 21% overvalued after recent price riseOver the last 90 days, the stock has risen 8.3% to US$13.40. The fair value is estimated to be US$11.05, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 10% over the last 3 years. Earnings per share has grown by 9.1%.Reported Earnings • Nov 02Third quarter 2025 earnings released: EPS: US$0.18 (vs US$0.25 in 3Q 2024)Third quarter 2025 results: EPS: US$0.18 (down from US$0.25 in 3Q 2024). Revenue: US$23.2m (up 1.5% from 3Q 2024). Net income: US$4.33m (down 31% from 3Q 2024). Profit margin: 19% (down from 28% in 3Q 2024). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 9% per year whereas the company’s share price has increased by 8% per year.お知らせ • Oct 31Pioneer Bancorp, Inc. Announces Net Charge-Offs for the Three Months Ended September 30, 2025Pioneer Bancorp, Inc. announced net charge-offs for the three months ended September 30, 2025. For the period, company reported Net charge-offs were $4,000 compared to net recoveries of $134,000 for the three months ended September 30, 2024.Reported Earnings • Jul 31Second quarter 2025 earnings released: EPS: US$0.26 (vs US$0.16 in 2Q 2024)Second quarter 2025 results: EPS: US$0.26 (up from US$0.16 in 2Q 2024). Revenue: US$22.9m (up 14% from 2Q 2024). Net income: US$6.45m (up 64% from 2Q 2024). Profit margin: 28% (up from 20% in 2Q 2024). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 13% per year but the company’s share price has only increased by 7% per year, which means it is significantly lagging earnings growth.お知らせ • Jul 31Pioneer Bancorp, Inc. Reports Net Charge-Offs for the Quarter Ended June 30, 2025Pioneer Bancorp, Inc. reported net charge-offs for the quarter ended June 30, 2025. For the quarter, the company reported net charge-offs of $70,000 compared to net charge-offs of $129,000 reported a year ago.Buy Or Sell Opportunity • Jul 23Now 20% overvalued after recent price riseOver the last 90 days, the stock has risen 14% to US$12.61. The fair value is estimated to be US$10.48, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 13% over the last 3 years. Earnings per share has grown by 20%.お知らせ • Jun 30Pioneer Bancorp, Inc.(NasdaqCM:PBFS) dropped from Russell 2000 Dynamic IndexPioneer Bancorp, Inc.(NasdaqCM:PBFS) dropped from Russell 2000 Dynamic IndexReported Earnings • May 01First quarter 2025 earnings released: EPS: US$0.23 (vs US$0.19 in 1Q 2024)First quarter 2025 results: EPS: US$0.23 (up from US$0.19 in 1Q 2024). Revenue: US$22.0m (up 2.4% from 1Q 2024). Net income: US$5.76m (up 22% from 1Q 2024). Profit margin: 26% (up from 22% in 1Q 2024). The increase in margin was primarily driven by lower expenses. Over the last 3 years on average, earnings per share has increased by 20% per year but the company’s share price has only increased by 4% per year, which means it is significantly lagging earnings growth.お知らせ • Apr 14Pioneer Bancorp, Inc., Annual General Meeting, May 20, 2025Pioneer Bancorp, Inc., Annual General Meeting, May 20, 2025.Buy Or Sell Opportunity • Mar 24Now 22% overvalued after recent price riseOver the last 90 days, the stock has risen 4.2% to US$11.91. The fair value is estimated to be US$9.74, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 14% over the last 3 years. Earnings per share has grown by 27%.Reported Earnings • Mar 13Full year 2024 earnings released: EPS: US$0.77 (vs US$0.68 in FY 2023)Full year 2024 results: EPS: US$0.77 (up from US$0.68 in FY 2023). Revenue: US$88.1m (up 22% from FY 2023). Net income: US$19.2m (up 12% from FY 2023). Profit margin: 22% (down from 24% in FY 2023). The decrease in margin was driven by higher expenses. Non-performing loans: 0.36% (down from 0.93% in FY 2023). Over the last 3 years on average, earnings per share has increased by 27% per year but the company’s share price has only increased by 4% per year, which means it is significantly lagging earnings growth.Buy Or Sell Opportunity • Feb 13Now 23% overvalued after recent price riseOver the last 90 days, the stock has risen 4.0% to US$11.99. The fair value is estimated to be US$9.74, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 12% over the last 3 years. Earnings per share has grown by 26%.Reported Earnings • Jan 31Second quarter 2025 earnings released: EPS: US$0.13 (vs US$0.13 in 2Q 2024)Second quarter 2025 results: EPS: US$0.13 (up from US$0.13 in 2Q 2024). Revenue: US$21.2m (up 53% from 2Q 2024). Net income: US$3.29m (up 3.1% from 2Q 2024). Profit margin: 16% (down from 23% in 2Q 2024). Over the last 3 years on average, earnings per share has increased by 26% per year but the company’s share price has remained flat, which means it is significantly lagging earnings.お知らせ • Jan 31Pioneer Bancorp, Inc. Reports Net Charge Offs for the Three Months Ended December 31, 2024Pioneer Bancorp, Inc. reported net charge offs for the three months ended December 31, 2024. For the period, the company reported Net charge-offs of $156,000 compared to net charge-offs of $366,000 for the three months ended December 31, 2023.Reported Earnings • Nov 01First quarter 2025 earnings released: EPS: US$0.25 (vs US$0.14 in 1Q 2024)First quarter 2025 results: EPS: US$0.25 (up from US$0.14 in 1Q 2024). Revenue: US$22.9m (up 22% from 1Q 2024). Net income: US$6.31m (up 85% from 1Q 2024). Profit margin: 28% (up from 18% in 1Q 2024). Over the last 3 years on average, earnings per share has increased by 38% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.お知らせ • Oct 22Pioneer Bancorp, Inc., Annual General Meeting, Nov 19, 2024Pioneer Bancorp, Inc., Annual General Meeting, Nov 19, 2024.Reported Earnings • Sep 26Full year 2024 earnings released: EPS: US$0.61 (vs US$0.87 in FY 2023)Full year 2024 results: EPS: US$0.61 (down from US$0.87 in FY 2023). Revenue: US$74.2m (down 6.9% from FY 2023). Net income: US$15.3m (down 31% from FY 2023). Profit margin: 21% (down from 28% in FY 2023). Net interest margin (NIM): 3.78% (up from 3.72% in FY 2023). Cost-to-income ratio: 73.3% (up from 65.1% in FY 2023). Non-performing loans: 0.66% (down from 1.52% in FY 2023). Over the last 3 years on average, earnings per share has increased by 50% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.New Risk • Aug 02New minor risk - Earnings qualityThe company has large one-off items impacting its financial results. One-off items were 45% of the size of the rest of the company's trailing 12-month earnings before tax. This is considered a minor risk. One-off items are incomes or expenses that the company does not expect to repeat in future periods. Examples include profits from the sale of a business or expenses from a restructuring or legal settlements. If the company's reported statutory earnings include a large proportion of one-off items it means they may be an unreliable indicator of its true business performance as the earnings were skewed by these incomes or expenses. This is currently the only risk that has been identified for the company.Reported Earnings • Aug 01Full year 2024 earnings released: EPS: US$0.61 (vs US$0.87 in FY 2023)Full year 2024 results: EPS: US$0.61 (down from US$0.87 in FY 2023). Revenue: US$80.1m (flat on FY 2023). Net income: US$15.3m (down 31% from FY 2023). Profit margin: 19% (down from 28% in FY 2023). Over the last 3 years on average, earnings per share has increased by 50% per year but the company’s share price has fallen by 2% per year, which means it is significantly lagging earnings.Buy Or Sell Opportunity • Jul 11Now 21% overvalued after recent price riseOver the last 90 days, the stock has risen 20% to US$10.80. The fair value is estimated to be US$8.96, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 16% over the last 3 years. Earnings per share has grown by 56%.New Risk • May 06New minor risk - Earnings qualityThe company has large one-off items impacting its financial results. One-off items were 43% of the size of the rest of the company's trailing 12-month earnings before tax. This is considered a minor risk. One-off items are incomes or expenses that the company does not expect to repeat in future periods. Examples include profits from the sale of a business or expenses from a restructuring or legal settlements. If the company's reported statutory earnings include a large proportion of one-off items it means they may be an unreliable indicator of its true business performance as the earnings were skewed by these incomes or expenses. This is currently the only risk that has been identified for the company.Reported Earnings • May 02Third quarter 2024 earnings released: EPS: US$0.19 (vs US$0.24 in 3Q 2023)Third quarter 2024 results: EPS: US$0.19 (down from US$0.24 in 3Q 2023). Revenue: US$21.5m (up 3.5% from 3Q 2023). Net income: US$4.72m (down 22% from 3Q 2023). Profit margin: 22% (down from 29% in 3Q 2023). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 56% per year but the company’s share price has fallen by 9% per year, which means it is significantly lagging earnings.New Risk • Feb 16New minor risk - Earnings qualityThe company has large one-off items impacting its financial results. One-off items were 38% of the size of the rest of the company's trailing 12-month earnings before tax. This is considered a minor risk. One-off items are incomes or expenses that the company does not expect to repeat in future periods. Examples include profits from the sale of a business or expenses from a restructuring or legal settlements. If the company's reported statutory earnings include a large proportion of one-off items it means they may be an unreliable indicator of its true business performance as the earnings were skewed by these incomes or expenses. This is currently the only risk that has been identified for the company.Reported Earnings • Feb 08Second quarter 2024 earnings released: EPS: US$0.13 (vs US$0.25 in 2Q 2023)Second quarter 2024 results: EPS: US$0.13 (down from US$0.25 in 2Q 2023). Revenue: US$19.8m (down 7.8% from 2Q 2023). Net income: US$3.19m (down 48% from 2Q 2023). Profit margin: 16% (down from 29% in 2Q 2023). The decrease in margin was primarily driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 62% per year but the company’s share price has fallen by 4% per year, which means it is significantly lagging earnings.Board Change • Feb 01Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 4 experienced directors. 3 highly experienced directors. Independent Director Stacey Hengsterman was the last director to join the board, commencing their role in 2021. The following issues are considered to be risks according to the Simply Wall St Risk Model: Insufficient board refreshment.Board Change • Feb 01Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 4 experienced directors. 3 highly experienced directors. Independent Director Stacey Hengsterman was the last director to join the board, commencing their role in 2021. The following issues are considered to be risks according to the Simply Wall St Risk Model: Insufficient board refreshment.お知らせ • Nov 22Pioneer Bancorp, Inc. Announces Board ChangesOn November 21, 2023, Donald E. Fane resigned from the Board of Directors of Pioneer Bancorp, Inc.Reported Earnings • Nov 09First quarter 2024 earnings released: EPS: US$0.14 (vs US$0.21 in 1Q 2023)First quarter 2024 results: EPS: US$0.14 (down from US$0.21 in 1Q 2023). Revenue: US$18.7m (up 1.9% from 1Q 2023). Net income: US$3.42m (down 35% from 1Q 2023). Profit margin: 18% (down from 28% in 1Q 2023). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 61% per year but the company’s share price has fallen by 10% per year, which means it is significantly lagging earnings.お知らせ • Oct 21Pioneer Bancorp, Inc., Annual General Meeting, Nov 21, 2023Pioneer Bancorp, Inc., Annual General Meeting, Nov 21, 2023, at 09:00 US Eastern Standard Time. Agenda: To consider the election of three directors; to consider the ratification of the appointment of Bonadio & Co., LLP as the independent registered public accounting firm for the year ending June 30, 2024; and to consider such other matters as may properly come before the annual meeting, or any adjournments thereof. The Board of Directors is not aware of any other business to come before the annual meeting.Reported Earnings • Aug 18Full year 2023 earnings released: EPS: US$0.87 (vs US$0.41 in FY 2022)Full year 2023 results: EPS: US$0.87 (up from US$0.41 in FY 2022). Revenue: US$79.7m (up 40% from FY 2022). Net income: US$21.9m (up 114% from FY 2022). Profit margin: 28% (up from 18% in FY 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 59% per year but the company’s share price has only increased by 3% per year, which means it is significantly lagging earnings growth.お知らせ • Aug 17Pioneer Bancorp, Inc. Reports Net Charge-Offs for the Fourth Quarter Ended June 30, 2023Pioneer Bancorp, Inc. reported net charge-offs for the fourth quarter ended June 30, 2023. The company recorded net charge-offs of $25,000 for the three months ended June 30, 2023, compared to net recoveries of $749,000 for the three months ended June 30, 2022.お知らせ • Jul 18Pioneer Bancorp, Inc. (NasdaqCM:PBFS) acquired Hudson Financial LLC.Pioneer Bancorp, Inc. (NasdaqCM:PBFS) acquired Hudson Financial LLC on July 17, 2023. Following the takeover, Hudson Financial is to maintain its office in Hudson, New York.Pioneer Bancorp, Inc. (NasdaqCM:PBFS) completed the acquisition of Hudson Financial LLC on July 17, 2023.Reported Earnings • May 07Third quarter 2023 earnings released: EPS: US$0.24 (vs US$0.012 in 3Q 2022)Third quarter 2023 results: EPS: US$0.24 (up from US$0.012 in 3Q 2022). Revenue: US$20.8m (up 54% from 3Q 2022). Net income: US$6.02m (up US$5.72m from 3Q 2022). Profit margin: 29% (up from 2.2% in 3Q 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 42% per year but the company’s share price has fallen by 3% per year, which means it is significantly lagging earnings.Reported Earnings • Feb 01Second quarter 2023 earnings released: EPS: US$0.25 (vs US$0.25 in 2Q 2022)Second quarter 2023 results: EPS: US$0.25 (down from US$0.25 in 2Q 2022). Revenue: US$21.5m (up 49% from 2Q 2022). Net income: US$6.18m (down 1.2% from 2Q 2022). Profit margin: 29% (down from 43% in 2Q 2022). Over the last 3 years on average, earnings per share has increased by 12% per year but the company’s share price has fallen by 9% per year, which means it is significantly lagging earnings.Reported Earnings • Nov 16First quarter 2023 earnings released: EPS: US$0.21 (vs US$0.054 in 1Q 2022)First quarter 2023 results: EPS: US$0.21 (up from US$0.054 in 1Q 2022). Revenue: US$18.4m (up 39% from 1Q 2022). Net income: US$5.23m (up 286% from 1Q 2022). Profit margin: 28% (up from 10% in 1Q 2022). Over the last 3 years on average, earnings per share has fallen by 13% per year but the company’s share price has only fallen by 5% per year, which means it has not declined as severely as earnings.Reported Earnings • Nov 10First quarter 2023 earnings released: EPS: US$0.21 (vs US$0.054 in 1Q 2022)First quarter 2023 results: EPS: US$0.21 (up from US$0.054 in 1Q 2022). Revenue: US$18.4m (up 39% from 1Q 2022). Net income: US$5.23m (up 286% from 1Q 2022). Profit margin: 28% (up from 10% in 1Q 2022). Over the last 3 years on average, earnings per share has fallen by 13% per year but the company’s share price has only fallen by 7% per year, which means it has not declined as severely as earnings.お知らせ • Oct 15Pioneer Bancorp, Inc., Annual General Meeting, Nov 15, 2022Pioneer Bancorp, Inc., Annual General Meeting, Nov 15, 2022, at 09:00 US Eastern Standard Time. Agenda: To consider the election of two directors; to consider the ratification of the appointment of bonadio & co., llp as the independent registered public accounting firm for the year ending june 30, 2023; and such other matters as may properly come before the annual meeting, or any adjournments thereof. The Board of Directors is not aware of any other business to come before the annual meeting.Reported Earnings • Sep 24Full year 2022 earnings released: EPS: US$0.41 (vs US$0.043 in FY 2021)Full year 2022 results: EPS: US$0.41 (up from US$0.043 in FY 2021). Net income: US$10.3m (up US$9.20m from FY 2021). Net interest margin (NIM): 2.41% (down from 2.79% in FY 2021). Cost-to-income ratio: 77.4% (down from 88.3% in FY 2021). Non-performing loans: 0.70% (down from 1.99% in FY 2021). Over the last 3 years on average, earnings per share has fallen by 45% per year but the company’s share price has only fallen by 10% per year, which means it has not declined as severely as earnings.お知らせ • Aug 31Pioneer Bancorp, Inc. Names Thomas Signor as Chief Administrative OfficerPioneer Bancorp, Inc. has hired Thomas Signor as executive vice president and chief administration officer. Signor replaces Frank Sarratori, who resigned in June [1] from his roles as executive vice president, chief administrative officer, general counsel and corporate secretary of Pioneer Bank. He had worked at the bank for 18 years. In Signor's role at Pioneer, he will oversee bank operations, including deposit and retail loan operations, compliance, risk, information technology, security, and facilities management. He spent 16 years at Kinderhook Bank, where he started as an internal auditor and later was executive vice president and chief operating officer. At Kinderhook, he managed operations, retail loan servicing, IT, compliance, electronic banking and facilities. He oversaw construction of five new bank branches, and he led the integration process for the bank's acquisition of Patriot Federal Bank. Signor, a licensed CPA, was previously a shareholder at Pattison, Koskey, Rath & Florio PC in Valatie. Previous jobs included chief compliance officer for Paradigm Capital Management and most recently chief risk officer for National Bank of Coxsackie. Signor graduated from Siena College with a bachelor's degree in accounting. He lives with his family in Clifton Park.Reported Earnings • May 13Third quarter 2022 earnings released: EPS: US$0.012 (vs US$0.053 in 3Q 2021)Third quarter 2022 results: EPS: US$0.012 (down from US$0.053 in 3Q 2021). Revenue: US$13.5m (up 1.4% from 3Q 2021). Net income: US$302.0k (down 78% from 3Q 2021). Profit margin: 2.2% (down from 10% in 3Q 2021). The decrease in margin was driven by higher expenses.Reported Earnings • Feb 11Second quarter 2022 earnings: Revenues and EPS in line with analyst expectationsSecond quarter 2022 results: EPS: US$0.25 (up from US$0.076 in 2Q 2021). Revenue: US$14.4m (up 4.2% from 2Q 2021). Net income: US$6.26m (up 230% from 2Q 2021). Profit margin: 43% (up from 14% in 2Q 2021). Revenue was in line with analyst estimates.Reported Earnings • Nov 11First quarter 2022 earnings released: EPS US$0.054 (vs US$0.056 in 1Q 2021)The company reported a soft first quarter result with weaker earnings, although revenues and profit margins were flat. First quarter 2022 results: Revenue: US$13.2m (flat on 1Q 2021). Net income: US$1.36m (down 2.7% from 1Q 2021). Profit margin: 10% (in line with 1Q 2021).Reported Earnings • Sep 30Full year 2021 earnings released: EPS US$0.043 (vs US$0.26 loss in FY 2020)The company reported a strong full year result with improved earnings, revenues and profit margins. Full year 2021 results: Revenue: US$53.5m (up 28% from FY 2020). Net income: US$1.08m (up US$7.59m from FY 2020). Profit margin: 2.0% (up from net loss in FY 2020).Reported Earnings • May 16Third quarter 2021 earnings released: EPS US$0.053 (vs US$0.034 in 3Q 2020)The company reported a strong third quarter result with improved earnings, revenues and profit margins. Third quarter 2021 results: Revenue: US$13.3m (up 9.6% from 3Q 2020). Net income: US$1.34m (up 58% from 3Q 2020). Profit margin: 10% (up from 7.0% in 3Q 2020).お知らせ • Feb 18Pioneer Bancorp, Inc. announced delayed 10-Q filingOn 02/16/2021, Pioneer Bancorp, Inc. announced that they will be unable to file their next 10-Q by the deadline required by the SEC.お知らせ • Jan 24Pioneer Bancorp, Inc. Appoints Stacy Hengsterman to Board of DirectorOn January 19, 2021, the Board of Directors of Pioneer Bancorp, Inc. appointed Stacy Hengsterman to the Company's Board of Directors. Ms. Hengsterman is the President and Chief Executive Officer of Special Olympics New York The Board anticipates appointing Ms. Hengsterman to the Nominating and Corporate Governance Committee of the Board.分析記事 • Jan 13What You Need To Know About Pioneer Bancorp, Inc.'s (NASDAQ:PBFS) Investor CompositionIf you want to know who really controls Pioneer Bancorp, Inc. ( NASDAQ:PBFS ), then you'll have to look at the makeup...分析記事 • Nov 21Pioneer Bancorp's(NASDAQ:PBFS) Share Price Is Down 20% Over The Past Year.While not a mind-blowing move, it is good to see that the Pioneer Bancorp, Inc. (NASDAQ:PBFS) share price has gained...お知らせ • Nov 18Pioneer Bank Appoints Kelli Arnold as Senior Vice President of Commercial and Community DevelopmentPioneer Bank announced that it has hired Kelli Arnold as senior vice president of commercial and community development. In the position, Arnold will expand the bank's commercial banking division. Arnold was previously the national director of corporate responsibility and community engagement at KeyBank. Arnold would be taking over the position left vacant by Rob Nichols, who was recently promoted to executive vice president and chief credit officer.Reported Earnings • Nov 14First quarter 2021 earnings released: EPS US$0.056The company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2021 results: Revenue: US$13.1m (up US$12.3m from 1Q 2020). Net income: US$1.39m (up US$14.1m from 1Q 2020). Profit margin: 11% (up from net loss in 1Q 2020). The move to profitability was primarily driven by higher revenue.Is New 90 Day High Low • Nov 10New 90-day high: US$10.51The company is up 19% from its price of US$8.85 on 12 August 2020. The American market is up 7.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Mortgage industry, which is down 2.0% over the same period.Is New 90 Day High Low • Oct 23New 90-day high: US$9.36The company is up 7.0% from its price of US$8.72 on 24 July 2020. The American market is up 8.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Mortgage industry, which is up 9.0% over the same period.Is New 90 Day High Low • Oct 06New 90-day high: US$9.06The company is up 6.0% from its price of US$8.55 on 08 July 2020. The American market is up 7.0% over the last 90 days, indicating the company underperformed over that time. However, it outperformed the Mortgage industry, which is down 13% over the same period.Reported Earnings • Sep 30Full year earnings released - US$0.26 loss per shareOver the last 12 months the company has reported total losses of US$6.51m, with earnings decreasing by US$25.3m from the prior year. Total revenue was US$41.9m over the last 12 months, down 32% from the prior year.お知らせ • Jul 03Pioneer Bancorp, Inc.(NasdaqCM:PBFS) dropped from Russell 2500 Growth IndexPioneer Bancorp, Inc.(NasdaqCM:PBFS) dropped from Russell 2500 Growth Indexお知らせ • Jul 02Pioneer Bancorp, Inc.(NasdaqCM:PBFS) dropped from Russell 3000 Growth IndexPioneer Bancorp, Inc.(NasdaqCM:PBFS) dropped from Russell 3000 Growth Index株主還元PBFSUS BanksUS 市場7D5.5%-0.02%0.3%1Y38.9%18.9%26.2%株主還元を見る業界別リターン: PBFS過去 1 年間で18.9 % の収益を上げたUS Banks業界を上回りました。リターン対市場: PBFS過去 1 年間で26.2 % の収益を上げたUS市場を上回りました。価格変動Is PBFS's price volatile compared to industry and market?PBFS volatilityPBFS Average Weekly Movement4.3%Banks Industry Average Movement3.2%Market Average Movement7.2%10% most volatile stocks in US Market16.8%10% least volatile stocks in US Market3.0%安定した株価: PBFS 、 US市場と比較して、過去 3 か月間で大きな価格変動はありませんでした。時間の経過による変動: PBFSの 週次ボラティリティ ( 4% ) は過去 1 年間安定しています。会社概要設立従業員CEO（最高経営責任者ウェブサイト1889263Tom Amellwww.pioneerny.comパイオニア・バンコープ・インクは、ニューヨークで様々な銀行商品やサービスを提供するパイオニア・バンク・ナショナル・アソシエーションの持株会社として運営されている。要求払い口座、貯蓄口座、マネーマーケット口座、譲渡性預金口座など、様々な預金口座を受け付けている。同社のローン商品には、商業用不動産、商工業用、商業用建設、住宅ローン、消費者ローン、ホームエクイティローン、クレジットラインなどがある。また、米国債、固定金利モーゲージ担保証券、モーゲージ担保債務、固定金利投資適格債、社債などの有価証券にも投資している。さらに、住宅所有者保険、自動車保険、総合事業保険などの個人・法人向け保険商品、団体医療保険、歯科保険、障害保険、生命保険商品などの従業員福利厚生商品およびコンサルティングサービス、確定拠出年金および福利厚生管理、人事管理サービス、投資アドバイス、退職所得計画、財産計画、事業承継、雇用者退職計画から成る資産管理サービスも提供している。パイオニア・バンコープは1889年に設立され、ニューヨーク州オルバニーに本拠を置く。パイオニア・バンコープMHC の子会社として営業。もっと見るPioneer Bancorp, Inc. 基礎のまとめPioneer Bancorp の収益と売上を時価総額と比較するとどうか。PBFS 基礎統計学時価総額US$410.14m収益（TTM）US$19.81m売上高(TTM)US$94.41m19.5xPER（株価収益率1.2xPBR（株価純資産倍率PBFS は割高か？公正価値と評価分析を参照収益と収入最新の決算報告書（TTM）に基づく主な収益性統計PBFS 損益計算書（TTM）収益US$94.41m売上原価US$0売上総利益US$94.41mその他の費用US$74.60m収益US$19.81m直近の収益報告Mar 31, 2026次回決算日該当なし一株当たり利益（EPS）0.81グロス・マージン100.00%純利益率20.99%有利子負債／自己資本比率2.3%PBFS の長期的なパフォーマンスは？過去の実績と比較を見るView Valuation企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/06/03 12:01終値2026/06/03 00:00収益2026/03/31年間収益2025/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレーク本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋Pioneer Bancorp, Inc. 0 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。0
Board Change • May 24Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 2 experienced directors. 4 highly experienced directors. Independent Director Charles Seifert was the last director to join the board, commencing their role in 2024. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
Reported Earnings • May 01First quarter 2026 earnings released: EPS: US$0.22 (vs US$0.23 in 1Q 2025)First quarter 2026 results: EPS: US$0.22 (down from US$0.23 in 1Q 2025). Revenue: US$23.8m (up 8.3% from 1Q 2025). Net income: US$5.29m (down 8.2% from 1Q 2025). Profit margin: 22% (down from 26% in 1Q 2025). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 4% per year but the company’s share price has increased by 18% per year, which means it is tracking significantly ahead of earnings growth.
お知らせ • Apr 08Pioneer Bancorp, Inc., Annual General Meeting, May 19, 2026Pioneer Bancorp, Inc., Annual General Meeting, May 19, 2026.
Reported Earnings • Mar 15Full year 2025 earnings released: EPS: US$0.83 (vs US$0.73 in FY 2024)Full year 2025 results: EPS: US$0.83 (up from US$0.73 in FY 2024). Revenue: US$92.6m (up 8.1% from FY 2024). Net income: US$20.3m (up 11% from FY 2024). Profit margin: 22% (in line with FY 2024). Non-performing loans: 0.67% (up from 0.36% in FY 2024). Over the last 3 years on average, earnings per share has increased by 7% per year whereas the company’s share price has increased by 12% per year.
Reported Earnings • Feb 01Full year 2025 earnings released: EPS: US$0.83 (vs US$0.77 in FY 2024)Full year 2025 results: EPS: US$0.83 (up from US$0.77 in FY 2024). Revenue: US$92.6m (up 5.1% from FY 2024). Net income: US$20.3m (up 5.7% from FY 2024). Profit margin: 22% (in line with FY 2024). Over the last 3 years on average, earnings per share has increased by 7% per year whereas the company’s share price has increased by 8% per year.
Recent Insider Transactions • Dec 17Executive VP & Chief Banking Officer recently sold US$79k worth of stockOn the 12th of December, Jesse Tomczak sold around 5k shares on-market at roughly US$14.69 per share. This transaction amounted to 9.3% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. This was the only on-market transaction from insiders over the last 12 months.
Board Change • May 24Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 2 experienced directors. 4 highly experienced directors. Independent Director Charles Seifert was the last director to join the board, commencing their role in 2024. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
Reported Earnings • May 01First quarter 2026 earnings released: EPS: US$0.22 (vs US$0.23 in 1Q 2025)First quarter 2026 results: EPS: US$0.22 (down from US$0.23 in 1Q 2025). Revenue: US$23.8m (up 8.3% from 1Q 2025). Net income: US$5.29m (down 8.2% from 1Q 2025). Profit margin: 22% (down from 26% in 1Q 2025). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 4% per year but the company’s share price has increased by 18% per year, which means it is tracking significantly ahead of earnings growth.
お知らせ • Apr 08Pioneer Bancorp, Inc., Annual General Meeting, May 19, 2026Pioneer Bancorp, Inc., Annual General Meeting, May 19, 2026.
Reported Earnings • Mar 15Full year 2025 earnings released: EPS: US$0.83 (vs US$0.73 in FY 2024)Full year 2025 results: EPS: US$0.83 (up from US$0.73 in FY 2024). Revenue: US$92.6m (up 8.1% from FY 2024). Net income: US$20.3m (up 11% from FY 2024). Profit margin: 22% (in line with FY 2024). Non-performing loans: 0.67% (up from 0.36% in FY 2024). Over the last 3 years on average, earnings per share has increased by 7% per year whereas the company’s share price has increased by 12% per year.
Reported Earnings • Feb 01Full year 2025 earnings released: EPS: US$0.83 (vs US$0.77 in FY 2024)Full year 2025 results: EPS: US$0.83 (up from US$0.77 in FY 2024). Revenue: US$92.6m (up 5.1% from FY 2024). Net income: US$20.3m (up 5.7% from FY 2024). Profit margin: 22% (in line with FY 2024). Over the last 3 years on average, earnings per share has increased by 7% per year whereas the company’s share price has increased by 8% per year.
Recent Insider Transactions • Dec 17Executive VP & Chief Banking Officer recently sold US$79k worth of stockOn the 12th of December, Jesse Tomczak sold around 5k shares on-market at roughly US$14.69 per share. This transaction amounted to 9.3% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. This was the only on-market transaction from insiders over the last 12 months.
Recent Insider Transactions Derivative • Dec 14Executive VP & Chief Banking Officer notifies of intention to sell stockJesse Tomczak intends to sell 5k shares in the next 90 days after lodging an Intent To Sell Form on the 12th of December. If the sale is conducted around the recent share price of US$14.21, it would amount to US$77k. Since March 2025, Jesse's direct individual holding has decreased from 59.54k shares to 58.05k. There have been no trades via on-market transactions or options from company insiders in the last 12 months.
Buy Or Sell Opportunity • Nov 05Now 21% overvalued after recent price riseOver the last 90 days, the stock has risen 8.3% to US$13.40. The fair value is estimated to be US$11.05, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 10% over the last 3 years. Earnings per share has grown by 9.1%.
Reported Earnings • Nov 02Third quarter 2025 earnings released: EPS: US$0.18 (vs US$0.25 in 3Q 2024)Third quarter 2025 results: EPS: US$0.18 (down from US$0.25 in 3Q 2024). Revenue: US$23.2m (up 1.5% from 3Q 2024). Net income: US$4.33m (down 31% from 3Q 2024). Profit margin: 19% (down from 28% in 3Q 2024). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 9% per year whereas the company’s share price has increased by 8% per year.
お知らせ • Oct 31Pioneer Bancorp, Inc. Announces Net Charge-Offs for the Three Months Ended September 30, 2025Pioneer Bancorp, Inc. announced net charge-offs for the three months ended September 30, 2025. For the period, company reported Net charge-offs were $4,000 compared to net recoveries of $134,000 for the three months ended September 30, 2024.
Reported Earnings • Jul 31Second quarter 2025 earnings released: EPS: US$0.26 (vs US$0.16 in 2Q 2024)Second quarter 2025 results: EPS: US$0.26 (up from US$0.16 in 2Q 2024). Revenue: US$22.9m (up 14% from 2Q 2024). Net income: US$6.45m (up 64% from 2Q 2024). Profit margin: 28% (up from 20% in 2Q 2024). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 13% per year but the company’s share price has only increased by 7% per year, which means it is significantly lagging earnings growth.
お知らせ • Jul 31Pioneer Bancorp, Inc. Reports Net Charge-Offs for the Quarter Ended June 30, 2025Pioneer Bancorp, Inc. reported net charge-offs for the quarter ended June 30, 2025. For the quarter, the company reported net charge-offs of $70,000 compared to net charge-offs of $129,000 reported a year ago.
Buy Or Sell Opportunity • Jul 23Now 20% overvalued after recent price riseOver the last 90 days, the stock has risen 14% to US$12.61. The fair value is estimated to be US$10.48, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 13% over the last 3 years. Earnings per share has grown by 20%.
お知らせ • Jun 30Pioneer Bancorp, Inc.(NasdaqCM:PBFS) dropped from Russell 2000 Dynamic IndexPioneer Bancorp, Inc.(NasdaqCM:PBFS) dropped from Russell 2000 Dynamic Index
Reported Earnings • May 01First quarter 2025 earnings released: EPS: US$0.23 (vs US$0.19 in 1Q 2024)First quarter 2025 results: EPS: US$0.23 (up from US$0.19 in 1Q 2024). Revenue: US$22.0m (up 2.4% from 1Q 2024). Net income: US$5.76m (up 22% from 1Q 2024). Profit margin: 26% (up from 22% in 1Q 2024). The increase in margin was primarily driven by lower expenses. Over the last 3 years on average, earnings per share has increased by 20% per year but the company’s share price has only increased by 4% per year, which means it is significantly lagging earnings growth.
お知らせ • Apr 14Pioneer Bancorp, Inc., Annual General Meeting, May 20, 2025Pioneer Bancorp, Inc., Annual General Meeting, May 20, 2025.
Buy Or Sell Opportunity • Mar 24Now 22% overvalued after recent price riseOver the last 90 days, the stock has risen 4.2% to US$11.91. The fair value is estimated to be US$9.74, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 14% over the last 3 years. Earnings per share has grown by 27%.
Reported Earnings • Mar 13Full year 2024 earnings released: EPS: US$0.77 (vs US$0.68 in FY 2023)Full year 2024 results: EPS: US$0.77 (up from US$0.68 in FY 2023). Revenue: US$88.1m (up 22% from FY 2023). Net income: US$19.2m (up 12% from FY 2023). Profit margin: 22% (down from 24% in FY 2023). The decrease in margin was driven by higher expenses. Non-performing loans: 0.36% (down from 0.93% in FY 2023). Over the last 3 years on average, earnings per share has increased by 27% per year but the company’s share price has only increased by 4% per year, which means it is significantly lagging earnings growth.
Buy Or Sell Opportunity • Feb 13Now 23% overvalued after recent price riseOver the last 90 days, the stock has risen 4.0% to US$11.99. The fair value is estimated to be US$9.74, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 12% over the last 3 years. Earnings per share has grown by 26%.
Reported Earnings • Jan 31Second quarter 2025 earnings released: EPS: US$0.13 (vs US$0.13 in 2Q 2024)Second quarter 2025 results: EPS: US$0.13 (up from US$0.13 in 2Q 2024). Revenue: US$21.2m (up 53% from 2Q 2024). Net income: US$3.29m (up 3.1% from 2Q 2024). Profit margin: 16% (down from 23% in 2Q 2024). Over the last 3 years on average, earnings per share has increased by 26% per year but the company’s share price has remained flat, which means it is significantly lagging earnings.
お知らせ • Jan 31Pioneer Bancorp, Inc. Reports Net Charge Offs for the Three Months Ended December 31, 2024Pioneer Bancorp, Inc. reported net charge offs for the three months ended December 31, 2024. For the period, the company reported Net charge-offs of $156,000 compared to net charge-offs of $366,000 for the three months ended December 31, 2023.
Reported Earnings • Nov 01First quarter 2025 earnings released: EPS: US$0.25 (vs US$0.14 in 1Q 2024)First quarter 2025 results: EPS: US$0.25 (up from US$0.14 in 1Q 2024). Revenue: US$22.9m (up 22% from 1Q 2024). Net income: US$6.31m (up 85% from 1Q 2024). Profit margin: 28% (up from 18% in 1Q 2024). Over the last 3 years on average, earnings per share has increased by 38% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.
お知らせ • Oct 22Pioneer Bancorp, Inc., Annual General Meeting, Nov 19, 2024Pioneer Bancorp, Inc., Annual General Meeting, Nov 19, 2024.
Reported Earnings • Sep 26Full year 2024 earnings released: EPS: US$0.61 (vs US$0.87 in FY 2023)Full year 2024 results: EPS: US$0.61 (down from US$0.87 in FY 2023). Revenue: US$74.2m (down 6.9% from FY 2023). Net income: US$15.3m (down 31% from FY 2023). Profit margin: 21% (down from 28% in FY 2023). Net interest margin (NIM): 3.78% (up from 3.72% in FY 2023). Cost-to-income ratio: 73.3% (up from 65.1% in FY 2023). Non-performing loans: 0.66% (down from 1.52% in FY 2023). Over the last 3 years on average, earnings per share has increased by 50% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.
New Risk • Aug 02New minor risk - Earnings qualityThe company has large one-off items impacting its financial results. One-off items were 45% of the size of the rest of the company's trailing 12-month earnings before tax. This is considered a minor risk. One-off items are incomes or expenses that the company does not expect to repeat in future periods. Examples include profits from the sale of a business or expenses from a restructuring or legal settlements. If the company's reported statutory earnings include a large proportion of one-off items it means they may be an unreliable indicator of its true business performance as the earnings were skewed by these incomes or expenses. This is currently the only risk that has been identified for the company.
Reported Earnings • Aug 01Full year 2024 earnings released: EPS: US$0.61 (vs US$0.87 in FY 2023)Full year 2024 results: EPS: US$0.61 (down from US$0.87 in FY 2023). Revenue: US$80.1m (flat on FY 2023). Net income: US$15.3m (down 31% from FY 2023). Profit margin: 19% (down from 28% in FY 2023). Over the last 3 years on average, earnings per share has increased by 50% per year but the company’s share price has fallen by 2% per year, which means it is significantly lagging earnings.
Buy Or Sell Opportunity • Jul 11Now 21% overvalued after recent price riseOver the last 90 days, the stock has risen 20% to US$10.80. The fair value is estimated to be US$8.96, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 16% over the last 3 years. Earnings per share has grown by 56%.
New Risk • May 06New minor risk - Earnings qualityThe company has large one-off items impacting its financial results. One-off items were 43% of the size of the rest of the company's trailing 12-month earnings before tax. This is considered a minor risk. One-off items are incomes or expenses that the company does not expect to repeat in future periods. Examples include profits from the sale of a business or expenses from a restructuring or legal settlements. If the company's reported statutory earnings include a large proportion of one-off items it means they may be an unreliable indicator of its true business performance as the earnings were skewed by these incomes or expenses. This is currently the only risk that has been identified for the company.
Reported Earnings • May 02Third quarter 2024 earnings released: EPS: US$0.19 (vs US$0.24 in 3Q 2023)Third quarter 2024 results: EPS: US$0.19 (down from US$0.24 in 3Q 2023). Revenue: US$21.5m (up 3.5% from 3Q 2023). Net income: US$4.72m (down 22% from 3Q 2023). Profit margin: 22% (down from 29% in 3Q 2023). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 56% per year but the company’s share price has fallen by 9% per year, which means it is significantly lagging earnings.
New Risk • Feb 16New minor risk - Earnings qualityThe company has large one-off items impacting its financial results. One-off items were 38% of the size of the rest of the company's trailing 12-month earnings before tax. This is considered a minor risk. One-off items are incomes or expenses that the company does not expect to repeat in future periods. Examples include profits from the sale of a business or expenses from a restructuring or legal settlements. If the company's reported statutory earnings include a large proportion of one-off items it means they may be an unreliable indicator of its true business performance as the earnings were skewed by these incomes or expenses. This is currently the only risk that has been identified for the company.
Reported Earnings • Feb 08Second quarter 2024 earnings released: EPS: US$0.13 (vs US$0.25 in 2Q 2023)Second quarter 2024 results: EPS: US$0.13 (down from US$0.25 in 2Q 2023). Revenue: US$19.8m (down 7.8% from 2Q 2023). Net income: US$3.19m (down 48% from 2Q 2023). Profit margin: 16% (down from 29% in 2Q 2023). The decrease in margin was primarily driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 62% per year but the company’s share price has fallen by 4% per year, which means it is significantly lagging earnings.
Board Change • Feb 01Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 4 experienced directors. 3 highly experienced directors. Independent Director Stacey Hengsterman was the last director to join the board, commencing their role in 2021. The following issues are considered to be risks according to the Simply Wall St Risk Model: Insufficient board refreshment.
Board Change • Feb 01Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 4 experienced directors. 3 highly experienced directors. Independent Director Stacey Hengsterman was the last director to join the board, commencing their role in 2021. The following issues are considered to be risks according to the Simply Wall St Risk Model: Insufficient board refreshment.
お知らせ • Nov 22Pioneer Bancorp, Inc. Announces Board ChangesOn November 21, 2023, Donald E. Fane resigned from the Board of Directors of Pioneer Bancorp, Inc.
Reported Earnings • Nov 09First quarter 2024 earnings released: EPS: US$0.14 (vs US$0.21 in 1Q 2023)First quarter 2024 results: EPS: US$0.14 (down from US$0.21 in 1Q 2023). Revenue: US$18.7m (up 1.9% from 1Q 2023). Net income: US$3.42m (down 35% from 1Q 2023). Profit margin: 18% (down from 28% in 1Q 2023). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 61% per year but the company’s share price has fallen by 10% per year, which means it is significantly lagging earnings.
お知らせ • Oct 21Pioneer Bancorp, Inc., Annual General Meeting, Nov 21, 2023Pioneer Bancorp, Inc., Annual General Meeting, Nov 21, 2023, at 09:00 US Eastern Standard Time. Agenda: To consider the election of three directors; to consider the ratification of the appointment of Bonadio & Co., LLP as the independent registered public accounting firm for the year ending June 30, 2024; and to consider such other matters as may properly come before the annual meeting, or any adjournments thereof. The Board of Directors is not aware of any other business to come before the annual meeting.
Reported Earnings • Aug 18Full year 2023 earnings released: EPS: US$0.87 (vs US$0.41 in FY 2022)Full year 2023 results: EPS: US$0.87 (up from US$0.41 in FY 2022). Revenue: US$79.7m (up 40% from FY 2022). Net income: US$21.9m (up 114% from FY 2022). Profit margin: 28% (up from 18% in FY 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 59% per year but the company’s share price has only increased by 3% per year, which means it is significantly lagging earnings growth.
お知らせ • Aug 17Pioneer Bancorp, Inc. Reports Net Charge-Offs for the Fourth Quarter Ended June 30, 2023Pioneer Bancorp, Inc. reported net charge-offs for the fourth quarter ended June 30, 2023. The company recorded net charge-offs of $25,000 for the three months ended June 30, 2023, compared to net recoveries of $749,000 for the three months ended June 30, 2022.
お知らせ • Jul 18Pioneer Bancorp, Inc. (NasdaqCM:PBFS) acquired Hudson Financial LLC.Pioneer Bancorp, Inc. (NasdaqCM:PBFS) acquired Hudson Financial LLC on July 17, 2023. Following the takeover, Hudson Financial is to maintain its office in Hudson, New York.Pioneer Bancorp, Inc. (NasdaqCM:PBFS) completed the acquisition of Hudson Financial LLC on July 17, 2023.
Reported Earnings • May 07Third quarter 2023 earnings released: EPS: US$0.24 (vs US$0.012 in 3Q 2022)Third quarter 2023 results: EPS: US$0.24 (up from US$0.012 in 3Q 2022). Revenue: US$20.8m (up 54% from 3Q 2022). Net income: US$6.02m (up US$5.72m from 3Q 2022). Profit margin: 29% (up from 2.2% in 3Q 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 42% per year but the company’s share price has fallen by 3% per year, which means it is significantly lagging earnings.
Reported Earnings • Feb 01Second quarter 2023 earnings released: EPS: US$0.25 (vs US$0.25 in 2Q 2022)Second quarter 2023 results: EPS: US$0.25 (down from US$0.25 in 2Q 2022). Revenue: US$21.5m (up 49% from 2Q 2022). Net income: US$6.18m (down 1.2% from 2Q 2022). Profit margin: 29% (down from 43% in 2Q 2022). Over the last 3 years on average, earnings per share has increased by 12% per year but the company’s share price has fallen by 9% per year, which means it is significantly lagging earnings.
Reported Earnings • Nov 16First quarter 2023 earnings released: EPS: US$0.21 (vs US$0.054 in 1Q 2022)First quarter 2023 results: EPS: US$0.21 (up from US$0.054 in 1Q 2022). Revenue: US$18.4m (up 39% from 1Q 2022). Net income: US$5.23m (up 286% from 1Q 2022). Profit margin: 28% (up from 10% in 1Q 2022). Over the last 3 years on average, earnings per share has fallen by 13% per year but the company’s share price has only fallen by 5% per year, which means it has not declined as severely as earnings.
Reported Earnings • Nov 10First quarter 2023 earnings released: EPS: US$0.21 (vs US$0.054 in 1Q 2022)First quarter 2023 results: EPS: US$0.21 (up from US$0.054 in 1Q 2022). Revenue: US$18.4m (up 39% from 1Q 2022). Net income: US$5.23m (up 286% from 1Q 2022). Profit margin: 28% (up from 10% in 1Q 2022). Over the last 3 years on average, earnings per share has fallen by 13% per year but the company’s share price has only fallen by 7% per year, which means it has not declined as severely as earnings.
お知らせ • Oct 15Pioneer Bancorp, Inc., Annual General Meeting, Nov 15, 2022Pioneer Bancorp, Inc., Annual General Meeting, Nov 15, 2022, at 09:00 US Eastern Standard Time. Agenda: To consider the election of two directors; to consider the ratification of the appointment of bonadio & co., llp as the independent registered public accounting firm for the year ending june 30, 2023; and such other matters as may properly come before the annual meeting, or any adjournments thereof. The Board of Directors is not aware of any other business to come before the annual meeting.
Reported Earnings • Sep 24Full year 2022 earnings released: EPS: US$0.41 (vs US$0.043 in FY 2021)Full year 2022 results: EPS: US$0.41 (up from US$0.043 in FY 2021). Net income: US$10.3m (up US$9.20m from FY 2021). Net interest margin (NIM): 2.41% (down from 2.79% in FY 2021). Cost-to-income ratio: 77.4% (down from 88.3% in FY 2021). Non-performing loans: 0.70% (down from 1.99% in FY 2021). Over the last 3 years on average, earnings per share has fallen by 45% per year but the company’s share price has only fallen by 10% per year, which means it has not declined as severely as earnings.
お知らせ • Aug 31Pioneer Bancorp, Inc. Names Thomas Signor as Chief Administrative OfficerPioneer Bancorp, Inc. has hired Thomas Signor as executive vice president and chief administration officer. Signor replaces Frank Sarratori, who resigned in June [1] from his roles as executive vice president, chief administrative officer, general counsel and corporate secretary of Pioneer Bank. He had worked at the bank for 18 years. In Signor's role at Pioneer, he will oversee bank operations, including deposit and retail loan operations, compliance, risk, information technology, security, and facilities management. He spent 16 years at Kinderhook Bank, where he started as an internal auditor and later was executive vice president and chief operating officer. At Kinderhook, he managed operations, retail loan servicing, IT, compliance, electronic banking and facilities. He oversaw construction of five new bank branches, and he led the integration process for the bank's acquisition of Patriot Federal Bank. Signor, a licensed CPA, was previously a shareholder at Pattison, Koskey, Rath & Florio PC in Valatie. Previous jobs included chief compliance officer for Paradigm Capital Management and most recently chief risk officer for National Bank of Coxsackie. Signor graduated from Siena College with a bachelor's degree in accounting. He lives with his family in Clifton Park.
Reported Earnings • May 13Third quarter 2022 earnings released: EPS: US$0.012 (vs US$0.053 in 3Q 2021)Third quarter 2022 results: EPS: US$0.012 (down from US$0.053 in 3Q 2021). Revenue: US$13.5m (up 1.4% from 3Q 2021). Net income: US$302.0k (down 78% from 3Q 2021). Profit margin: 2.2% (down from 10% in 3Q 2021). The decrease in margin was driven by higher expenses.
Reported Earnings • Feb 11Second quarter 2022 earnings: Revenues and EPS in line with analyst expectationsSecond quarter 2022 results: EPS: US$0.25 (up from US$0.076 in 2Q 2021). Revenue: US$14.4m (up 4.2% from 2Q 2021). Net income: US$6.26m (up 230% from 2Q 2021). Profit margin: 43% (up from 14% in 2Q 2021). Revenue was in line with analyst estimates.
Reported Earnings • Nov 11First quarter 2022 earnings released: EPS US$0.054 (vs US$0.056 in 1Q 2021)The company reported a soft first quarter result with weaker earnings, although revenues and profit margins were flat. First quarter 2022 results: Revenue: US$13.2m (flat on 1Q 2021). Net income: US$1.36m (down 2.7% from 1Q 2021). Profit margin: 10% (in line with 1Q 2021).
Reported Earnings • Sep 30Full year 2021 earnings released: EPS US$0.043 (vs US$0.26 loss in FY 2020)The company reported a strong full year result with improved earnings, revenues and profit margins. Full year 2021 results: Revenue: US$53.5m (up 28% from FY 2020). Net income: US$1.08m (up US$7.59m from FY 2020). Profit margin: 2.0% (up from net loss in FY 2020).
Reported Earnings • May 16Third quarter 2021 earnings released: EPS US$0.053 (vs US$0.034 in 3Q 2020)The company reported a strong third quarter result with improved earnings, revenues and profit margins. Third quarter 2021 results: Revenue: US$13.3m (up 9.6% from 3Q 2020). Net income: US$1.34m (up 58% from 3Q 2020). Profit margin: 10% (up from 7.0% in 3Q 2020).
お知らせ • Feb 18Pioneer Bancorp, Inc. announced delayed 10-Q filingOn 02/16/2021, Pioneer Bancorp, Inc. announced that they will be unable to file their next 10-Q by the deadline required by the SEC.
お知らせ • Jan 24Pioneer Bancorp, Inc. Appoints Stacy Hengsterman to Board of DirectorOn January 19, 2021, the Board of Directors of Pioneer Bancorp, Inc. appointed Stacy Hengsterman to the Company's Board of Directors. Ms. Hengsterman is the President and Chief Executive Officer of Special Olympics New York The Board anticipates appointing Ms. Hengsterman to the Nominating and Corporate Governance Committee of the Board.
分析記事 • Jan 13What You Need To Know About Pioneer Bancorp, Inc.'s (NASDAQ:PBFS) Investor CompositionIf you want to know who really controls Pioneer Bancorp, Inc. ( NASDAQ:PBFS ), then you'll have to look at the makeup...
分析記事 • Nov 21Pioneer Bancorp's(NASDAQ:PBFS) Share Price Is Down 20% Over The Past Year.While not a mind-blowing move, it is good to see that the Pioneer Bancorp, Inc. (NASDAQ:PBFS) share price has gained...
お知らせ • Nov 18Pioneer Bank Appoints Kelli Arnold as Senior Vice President of Commercial and Community DevelopmentPioneer Bank announced that it has hired Kelli Arnold as senior vice president of commercial and community development. In the position, Arnold will expand the bank's commercial banking division. Arnold was previously the national director of corporate responsibility and community engagement at KeyBank. Arnold would be taking over the position left vacant by Rob Nichols, who was recently promoted to executive vice president and chief credit officer.
Reported Earnings • Nov 14First quarter 2021 earnings released: EPS US$0.056The company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2021 results: Revenue: US$13.1m (up US$12.3m from 1Q 2020). Net income: US$1.39m (up US$14.1m from 1Q 2020). Profit margin: 11% (up from net loss in 1Q 2020). The move to profitability was primarily driven by higher revenue.
Is New 90 Day High Low • Nov 10New 90-day high: US$10.51The company is up 19% from its price of US$8.85 on 12 August 2020. The American market is up 7.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Mortgage industry, which is down 2.0% over the same period.
Is New 90 Day High Low • Oct 23New 90-day high: US$9.36The company is up 7.0% from its price of US$8.72 on 24 July 2020. The American market is up 8.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Mortgage industry, which is up 9.0% over the same period.
Is New 90 Day High Low • Oct 06New 90-day high: US$9.06The company is up 6.0% from its price of US$8.55 on 08 July 2020. The American market is up 7.0% over the last 90 days, indicating the company underperformed over that time. However, it outperformed the Mortgage industry, which is down 13% over the same period.
Reported Earnings • Sep 30Full year earnings released - US$0.26 loss per shareOver the last 12 months the company has reported total losses of US$6.51m, with earnings decreasing by US$25.3m from the prior year. Total revenue was US$41.9m over the last 12 months, down 32% from the prior year.
お知らせ • Jul 03Pioneer Bancorp, Inc.(NasdaqCM:PBFS) dropped from Russell 2500 Growth IndexPioneer Bancorp, Inc.(NasdaqCM:PBFS) dropped from Russell 2500 Growth Index
お知らせ • Jul 02Pioneer Bancorp, Inc.(NasdaqCM:PBFS) dropped from Russell 3000 Growth IndexPioneer Bancorp, Inc.(NasdaqCM:PBFS) dropped from Russell 3000 Growth Index
