Logo image of PBFS

PIONEER BANCORP INC/NY (PBFS) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:PBFS - US7235611065 - Common Stock

13.48 USD
+0.07 (+0.52%)
Last: 12/31/2025, 8:22:58 PM
13.48 USD
0 (0%)
After Hours: 12/31/2025, 8:22:58 PM
Fundamental Rating

3

Taking everything into account, PBFS scores 3 out of 10 in our fundamental rating. PBFS was compared to 388 industry peers in the Banks industry. The financial health of PBFS is average, but there are quite some concerns on its profitability. PBFS is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

Quickly go to:

3

1. Profitability

1.1 Basic Checks

In the past year PBFS was profitable.
In the past year PBFS had a positive cash flow from operations.
PBFS had positive earnings in each of the past 5 years.
Each year in the past 5 years PBFS had a positive operating cash flow.
PBFS Yearly Net Income VS EBIT VS OCF VS FCFPBFS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

1.2 Ratios

Looking at the Return On Assets, with a value of 0.88%, PBFS is in line with its industry, outperforming 48.20% of the companies in the same industry.
PBFS has a Return On Equity of 6.31%. This is in the lower half of the industry: PBFS underperforms 69.85% of its industry peers.
Industry RankSector Rank
ROA 0.88%
ROE 6.31%
ROIC N/A
ROA(3y)0.84%
ROA(5y)0.58%
ROE(3y)5.87%
ROE(5y)4.08%
ROIC(3y)N/A
ROIC(5y)N/A
PBFS Yearly ROA, ROE, ROICPBFS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

PBFS has a worse Profit Margin (21.21%) than 62.63% of its industry peers.
In the last couple of years the Profit Margin of PBFS has grown nicely.
PBFS does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 21.21%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y119.56%
PM growth 5Y11.67%
GM growth 3YN/A
GM growth 5YN/A
PBFS Yearly Profit, Operating, Gross MarginsPBFS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

More info and screens

4

2. Health

2.1 Basic Checks

PBFS does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for PBFS has been increased compared to 1 year ago.
Compared to 5 years ago, PBFS has more shares outstanding
The debt/assets ratio for PBFS has been reduced compared to a year ago.
PBFS Yearly Shares OutstandingPBFS Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
PBFS Yearly Total Debt VS Total AssetsPBFS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

There is no outstanding debt for PBFS. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC13.05%
PBFS Yearly LT Debt VS Equity VS FCFPBFS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PBFS Yearly Current Assets VS Current LiabilitesPBFS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2023 2024 2M 4M 6M

More info and screens

3

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 11.35% over the past year.
Measured over the past years, PBFS shows a quite strong growth in Earnings Per Share. The EPS has been growing by 16.66% on average per year.
The Revenue has grown by 17.70% in the past year. This is quite good.
PBFS shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.75% yearly.
EPS 1Y (TTM)11.35%
EPS 3Y147.3%
EPS 5Y16.66%
EPS Q2Q%-29.78%
Revenue 1Y (TTM)17.7%
Revenue growth 3Y10.11%
Revenue growth 5Y3.75%
Sales Q2Q%9.1%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
PBFS Yearly Revenue VS EstimatesPBFS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

More info and screens

1

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 16.85, the valuation of PBFS can be described as correct.
PBFS's Price/Earnings ratio is a bit more expensive when compared to the industry. PBFS is more expensive than 74.23% of the companies in the same industry.
PBFS's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.51.
Industry RankSector Rank
PE 16.85
Fwd PE N/A
PBFS Price Earnings VS Forward Price EarningsPBFS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, PBFS is valued a bit more expensive than the industry average as 71.65% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 19.15
EV/EBITDA N/A
PBFS Per share dataPBFS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1.01
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

0

5. Dividend

5.1 Amount

No dividends for PBFS!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

PIONEER BANCORP INC/NY

NASDAQ:PBFS (12/31/2025, 8:22:58 PM)

After market: 13.48 0 (0%)

13.48

+0.07 (+0.52%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-28 2025-10-28
Earnings (Next)01-28 2026-01-28
Inst Owners22.96%
Inst Owner Change-5.95%
Ins Owners1.79%
Ins Owner Change0.1%
Market Cap338.08M
Revenue(TTM)93.50M
Net Income(TTM)19.84M
Analysts0
Price TargetN/A
Short Float %0.87%
Short Ratio5.97
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 16.85
Fwd PE N/A
P/S 3.62
P/FCF 19.15
P/OCF 16.59
P/B 1.08
P/tB 1.12
EV/EBITDA N/A
EPS(TTM)0.8
EY5.93%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.7
FCFY5.22%
OCF(TTM)0.81
OCFY6.03%
SpS3.73
BVpS12.53
TBVpS12
PEG (NY)N/A
PEG (5Y)1.01
Graham Number15.02
Profitability
Industry RankSector Rank
ROA 0.88%
ROE 6.31%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.21%
GM N/A
FCFM 18.88%
ROA(3y)0.84%
ROA(5y)0.58%
ROE(3y)5.87%
ROE(5y)4.08%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y119.56%
PM growth 5Y11.67%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 113.78%
Cap/Sales 2.92%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 88.98%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC13.05%
ROIC/WACCN/A
Cap/Depr(3y)25.8%
Cap/Depr(5y)31.36%
Cap/Sales(3y)1.01%
Cap/Sales(5y)1.35%
Profit Quality(3y)248.97%
Profit Quality(5y)744.17%
High Growth Momentum
Growth
EPS 1Y (TTM)11.35%
EPS 3Y147.3%
EPS 5Y16.66%
EPS Q2Q%-29.78%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)17.7%
Revenue growth 3Y10.11%
Revenue growth 5Y3.75%
Sales Q2Q%9.1%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y22.75%
FCF growth 3Y-10.46%
FCF growth 5Y42.98%
OCF growth 1Y38.1%
OCF growth 3Y-9.94%
OCF growth 5Y31.22%

PIONEER BANCORP INC/NY / PBFS FAQ

What is the fundamental rating for PBFS stock?

ChartMill assigns a fundamental rating of 3 / 10 to PBFS.


What is the valuation status of PIONEER BANCORP INC/NY (PBFS) stock?

ChartMill assigns a valuation rating of 1 / 10 to PIONEER BANCORP INC/NY (PBFS). This can be considered as Overvalued.


Can you provide the profitability details for PIONEER BANCORP INC/NY?

PIONEER BANCORP INC/NY (PBFS) has a profitability rating of 3 / 10.


How financially healthy is PIONEER BANCORP INC/NY?

The financial health rating of PIONEER BANCORP INC/NY (PBFS) is 4 / 10.