Pioneer Bancorp, Inc.
PBFSFinancial ServicesNASDAQBanks - Regional
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Daily timeframePioneer Bancorp, Inc. operates as a holding company for Pioneer Bank, National Association that provides various banking products and services in New York. With a market capitalization of $440.6M, it sits in small-cap territory. It accepts various deposit accounts, such as demand, savings, and money market accounts, as well as certificates of deposit accounts.
Market Cap
$440.6M
Beta
0.42
P/E (TTM)
26.41
P/E (Fwd)
—
EPS (TTM)
$0.69
EPS (Fwd)
—
ROE
5.2%
ROA
0.8%
Cash
$116.9M
Total Debt
$8.5M
Free CF
—
52W Change
37.6%
Annual Financials
Cash vs Debt
Where PBFS stands vs its 150-day and 200-day moving averages
As of the October 20, 2026 close, PBFS finished 8.35% above its 150-day moving average ($16.29) and 12.21% above its 200-day moving average ($15.73). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is PBFS overbought or oversold?
At the October 20, 2026 close, PBFS's RSI(14) was 45.2, in neutral territory (between 30 and 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
Pioneer Bancorp, Inc. holds $116.9M in cash against $8.5M in total debt, giving it a net cash position. This means the company could theoretically pay off all its debt and still have cash remaining. ROE of 5.2% points to modest capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 0.8% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $56.5M (2022) to $96.3M (2025), reflecting a 71% increase over the period.
The relatively low beta of 0.42 suggests PBFS is a less volatile holding compared to the broader index. With cash comfortably exceeding debt, PBFS has financial flexibility that may help navigate uncertain periods. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing PBFS.