NasdaqCM:PBFS

Stock Analysis Report

Executive Summary

Pioneer Bancorp, Inc. operates as a holding company for Pioneer Savings Bank that provides various banking products and services in New York.

Snowflake

Fundamentals

Flawless balance sheet with questionable track record.

Risks

  • Pioneer Bancorp is not covered by any analysts.

Similar Companies

Share Price & News

How has Pioneer Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0.9%

NasdaqCM:PBFS

2.4%

US Mortgage

2.9%

US Market


1 Year Return

n/a

NasdaqCM:PBFS

-1.5%

US Mortgage

0.2%

US Market

No trading data on PBFS.

No trading data on PBFS.


Share holder returns

PBFSIndustryMarket
7 Day0.9%2.4%2.9%
30 Day-2.8%-1.5%-2.3%
90 Dayn/a0.6%3.1%
1 Yearn/a0.6%-1.5%2.4%0.2%
3 Yearn/a32.6%23.8%41.7%32.4%
5 Yearn/a58.2%41.6%55.1%37.9%

Price Volatility Vs. Market

How volatile is Pioneer Bancorp's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Pioneer Bancorp undervalued based on future cash flows and its price relative to the stock market?


Intrinsic Value Based on Future Cash Flows

Pioneer Bancorp's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Pioneer Bancorp's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Unable to compare the PE ratio to the industry average as no data exists.

Unable to calculate PE ratio for Pioneer Bancorp, we can't compare the value of its earnings to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Pioneer Bancorp, we can't assess if its growth is good value.


Price Based on Value of Assets

Unable to compare the PB ratio to the industry average as no data exists.


Next Steps

Future Growth

How is Pioneer Bancorp expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

-1.9%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Pioneer Bancorp is high growth as no revenue estimate data is available.

Pioneer Bancorp's earnings are expected to decrease over the next 1-3 years, this is not considered high growth.

Unable to compare Pioneer Bancorp's revenue growth to the United States of America market average as no estimate data is available.

Pioneer Bancorp's earnings are expected to decrease over the next 1-3 years, this is below the United States of America market average.

Pioneer Bancorp's earnings are expected to decrease over the next 1-3 years, this is below the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Pioneer Bancorp will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Pioneer Bancorp performed over the past 5 years?

95.6%

Last years earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Insufficient data to establish if Pioneer Bancorp's year on year earnings growth rate was positive over the past 5 years.

Unable to compare Pioneer Bancorp's 1-year earnings growth to the 5-year average due to insufficient past data.

Pioneer Bancorp's earnings growth has exceeded the US Mortgage industry average in the past year (95.6% vs 32.9%).


Return on Equity

Pioneer Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Pioneer Bancorp used its assets more efficiently than the US Mortgage industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Pioneer Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Pioneer Bancorp's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Pioneer Bancorp has an acceptable proportion of non-loan assets held.

Pioneer Bancorp has a sufficient allowance for bad loans.

Pioneer Bancorp's liabilities are made up of primarily low risk sources of funding.

Pioneer Bancorp's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at Pioneer Bancorp are broadly funded by customer deposits.

Pioneer Bancorp has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Pioneer Bancorp's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate Pioneer Bancorp's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Pioneer Bancorp's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Pioneer Bancorp has not reported any payouts.

Unable to verify if Pioneer Bancorp's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Pioneer Bancorp has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Pioneer Bancorp's salary, the management and board of directors tenure and is there insider trading?

8.6yrs

Average board tenure


CEO

Tom Amell (51yo)

0.0yrs

Tenure

US$669,573

Compensation

Mr. Thomas L. Amell serves as President, Chief Executive Officer and Director at Pioneer Bank (MHC) (the "Bank") since June 2013. After graduating from Siena College in 1989, he accepted a position at a lo ...


Board Age and Tenure

8.6yrs

Average Tenure

66yo

Average Age

The tenure for the Pioneer Bancorp board of directors is about average.


Insider Trading

More shares have been bought than sold by Pioneer Bancorp individual insiders in the past 3 months.


Recent Insider Transactions

BuyUS$71,10122 Jul 19
James Reed
EntityIndividual
Role
Member of the Board of Directors
Director
Shares5,000
Max PriceUS$14.45

Ownership Breakdown


Management Team

  • Tom Amell (51yo)

    President

    • Tenure: 0.0yrs
    • Compensation: US$669.57k
  • Frank Sarratori (54yo)

    Executive VP

    • Tenure: 6.6yrs
    • Compensation: US$307.06k
  • Patrick Hughes (46yo)

    Executive VP & CFO

    • Tenure: 2.8yrs
  • John L. Buono

    Former Director

    • Tenure: 0.0yrs
    • Compensation: US$56.00k
  • Craig A. Duncan

    Former Director

    • Tenure: 0.0yrs
    • Compensation: US$37.50k

Board Members

  • Don Fane (66yo)

    Director

    • Tenure: 13.6yrs
    • Compensation: US$56.00k
  • James Reed (69yo)

    Director

    • Tenure: 2.6yrs
    • Compensation: US$56.00k
  • Ed Reinfurt (65yo)

    Director

    • Tenure: 13.6yrs
    • Compensation: US$56.00k
  • Tom Amell (51yo)

    President

    • Tenure: 0.0yrs
    • Compensation: US$669.57k
  • Lyn Taylor (72yo)

    Chairman of the Board

    • Tenure: 0.0yrs
    • Compensation: US$56.00k
  • Shaun Mahoney (54yo)

    Director

    • Tenure: 0.6yrs
  • Chris Freihofer

    Chairman of The Board

    • Tenure: 0.0yrs
  • Eileen Bagnoli (69yo)

    Director

    • Tenure: 9.6yrs
    • Compensation: US$56.00k

Company Information

Pioneer Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Pioneer Bancorp, Inc.
  • Ticker: PBFS
  • Exchange: NasdaqCM
  • Founded: 1889
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: US$367.065m
  • Shares outstanding: 25.98m
  • Website: https://www.pioneerbanking.com

Number of Employees


Location

  • Pioneer Bancorp, Inc.
  • 652 Albany Shaker Road
  • Albany
  • New York
  • 12211
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
PBFSNasdaqCM (Nasdaq Capital Market)YesCommon StockUSUSDJul 2019

Biography

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, s ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/22 00:52
End of Day Share Price2019/08/21 00:00
Earnings2018/12/31
Annual Earnings2018/06/30


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.