PBFS Stock Overview
Pioneer Bancorp, Inc. operates as a holding company for Pioneer Savings Bank that provides various banking products and services in New York.
Pioneer Bancorp Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$9.75|
|52 Week High||US$13.98|
|52 Week Low||US$9.39|
|1 Month Change||-1.52%|
|3 Month Change||-0.10%|
|1 Year Change||-16.60%|
|3 Year Change||-31.05%|
|5 Year Change||n/a|
|Change since IPO||-33.90%|
Recent News & Updates
|PBFS||US Mortgage||US Market|
Return vs Industry: PBFS exceeded the US Mortgage industry which returned -21.1% over the past year.
Return vs Market: PBFS underperformed the US Market which returned -9.6% over the past year.
|PBFS Average Weekly Movement||3.1%|
|Mortgage Industry Average Movement||3.5%|
|Market Average Movement||7.7%|
|10% most volatile stocks in US Market||16.9%|
|10% least volatile stocks in US Market||3.2%|
Stable Share Price: PBFS is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: PBFS's weekly volatility (3%) has been stable over the past year.
About the Company
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.
Pioneer Bancorp Fundamentals Summary
|PBFS fundamental statistics|
Is PBFS overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|PBFS income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||0.17|
|Net Profit Margin||8.03%|
How did PBFS perform over the long term?See historical performance and comparison
Is PBFS undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 0/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for PBFS?
Other financial metrics that can be useful for relative valuation.
|What is PBFS's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does PBFS's PE Ratio compare to its peers?
|PBFS PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
OCN Ocwen Financial
TBNK Territorial Bancorp
TSBK Timberland Bancorp
NECB Northeast Community Bancorp
PBFS Pioneer Bancorp
Price-To-Earnings vs Peers: PBFS is expensive based on its Price-To-Earnings Ratio (56.1x) compared to the peer average (9.4x).
Price to Earnings Ratio vs Industry
How does PBFS's PE Ratio compare vs other companies in the US Mortgage Industry?
Price-To-Earnings vs Industry: PBFS is expensive based on its Price-To-Earnings Ratio (56.1x) compared to the US Mortgage industry average (11.6x)
Price to Earnings Ratio vs Fair Ratio
What is PBFS's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||56.1x|
|Fair PE Ratio||n/a|
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate PBFS's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of PBFS when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: PBFS ($9.75) is trading above our estimate of fair value ($1.86)
Significantly Below Fair Value: PBFS is trading above our estimate of fair value.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Insufficient data to show price forecast.
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How is Pioneer Bancorp forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Pioneer Bancorp has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
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- Examine Pioneer Bancorp's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
How has Pioneer Bancorp performed over the past 5 years?
Past Performance Score1/6
Past Performance Score 1/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: PBFS has high quality earnings.
Growing Profit Margin: PBFS's current net profit margins (8%) are lower than last year (11.6%).
Past Earnings Growth Analysis
Earnings Trend: PBFS's earnings have declined by 28.6% per year over the past 5 years.
Accelerating Growth: PBFS's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: PBFS had negative earnings growth (-28.5%) over the past year, making it difficult to compare to the Mortgage industry average (3.1%).
Return on Equity
High ROE: PBFS's Return on Equity (1.8%) is considered low.
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How is Pioneer Bancorp's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score6/6
Financial Health Score 6/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: PBFS's Assets to Equity ratio (8.3x) is low.
Allowance for Bad Loans: PBFS has a sufficient allowance for bad loans (140%).
Low Risk Liabilities: 99% of PBFS's liabilities are made up of primarily low risk sources of funding.
Loan Level: PBFS has an appropriate level of Loans to Assets ratio (49%).
Low Risk Deposits: PBFS's Loans to Deposits ratio (56%) is appropriate.
Level of Bad Loans: PBFS has an appropriate level of bad loans (1.6%).
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What is Pioneer Bancorp current dividend yield, its reliability and sustainability?
Dividend Score 0/6
Future Dividend Coverage
Dividend Yield vs Market
Notable Dividend: Unable to evaluate PBFS's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate PBFS's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if PBFS's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if PBFS's dividend payments have been increasing.
Current Payout to Shareholders
Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of PBFS's dividend in 3 years as they are not forecast to pay a notable one for the US market.
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Tom Amell (55 yo)
After graduating from Siena College in 1989, Mr. Thomas L. Amell, also known as Tom, accepted a position at a local bank. He has worked in different areas of banking including retail and commercial, sales...
CEO Compensation Analysis
Compensation vs Market: Tom's total compensation ($USD715.56K) is below average for companies of similar size in the US market ($USD1.67M).
Compensation vs Earnings: Tom's compensation has been consistent with company performance over the past year.
Experienced Management: PBFS's management team is seasoned and experienced (5.8 years average tenure).
Experienced Board: PBFS's board of directors are seasoned and experienced ( 10.6 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Pioneer Bancorp, Inc.'s employee growth, exchange listings and data sources
- Name: Pioneer Bancorp, Inc.
- Ticker: PBFS
- Exchange: NasdaqCM
- Founded: 1889
- Industry: Thrifts and Mortgage Finance
- Sector: Banks
- Implied Market Cap: US$244.967m
- Shares outstanding: 25.12m
- Website: https://www.pioneerny.com
Number of Employees
- Pioneer Bancorp, Inc.
- 652 Albany Shaker Road
- New York
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/08/16 00:00|
|End of Day Share Price||2022/08/16 00:00|
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.