Pioneer Bancorp, Inc.
PBFSFinancial ServicesNASDAQBanks - Regional · Last scanned Sep 8, 2026
Scan Results
Daily timeframeHeadquartered within the financial services sector, Pioneer Bancorp, Inc. focuses on Banks - Regional services and products. Pioneer 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 $448.3M, 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
$448.3M
Beta
0.40
P/E (TTM)
26.49
P/E (Fwd)
—
EPS (TTM)
$0.70
EPS (Fwd)
—
ROE
5.2%
ROA
0.8%
Cash
$116.9M
Total Debt
$8.5M
Free CF
—
52W Change
39.6%
Annual Financials
Cash vs Debt
Where PBFS stands vs its 150-day and 200-day moving averages
As of the August 31, 2026 close, PBFS finished 13.96% above its 150-day moving average ($15.47) and 17.53% above its 200-day moving average ($15.00). 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 August 31, 2026 close, PBFS's RSI(14) was 63.0, 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.
The balance sheet looks solid with $116.9M in cash comfortably exceeding the $8.5M debt load. A net cash position generally provides financial flexibility during uncertain economic periods. 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.
With a beta below 0.7, Pioneer Bancorp, Inc. typically sees smaller price swings than the overall market, offering a degree of stability during turbulent periods. With cash comfortably exceeding debt, PBFS has financial flexibility that may help navigate uncertain periods. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for Pioneer Bancorp, Inc. and its sector.