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. The $364.5M market capitalization puts PBFS squarely in small-cap range for its industry. It accepts various deposit accounts, such as demand, savings, and money market accounts, as well as certificates of deposit accounts.
Market Cap
$364.5M
Beta
0.41
P/E (TTM)
18.21
P/E (Fwd)
—
EPS (TTM)
$0.82
EPS (Fwd)
—
ROE
6.2%
ROA
0.9%
Cash
$165.5M
Total Debt
$7.7M
Free CF
—
52W Change
31.7%
Annual Financials
Cash vs Debt
Pioneer Bancorp, Inc. holds $165.5M in cash against $7.7M 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. Return on equity stands at 6.2%, which is modest for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 0.9% 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 0.41 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.