PIONEER BANCORP INC/NY (PBFS) Stock Fundamental Analysis

NASDAQ:PBFS • US7235611065

14.59 USD
-0.07 (-0.48%)
At close: Feb 13, 2026
14.59 USD
0 (0%)
After Hours: 2/13/2026, 8:00:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

PBFS gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 381 industry peers in the Banks industry. PBFS scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. PBFS is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • PBFS had positive earnings in the past year.
  • In the past year PBFS had a positive cash flow from operations.
  • PBFS had positive earnings in each of the past 5 years.
  • In the past 5 years PBFS always reported a positive cash flow from operatings.
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

  • With a Return On Assets value of 0.88%, PBFS perfoms like the industry average, outperforming 48.29% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 6.31%, PBFS is doing worse than 69.82% of the companies in the same industry.
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 62.99% of its industry peers.
  • PBFS's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for PBFS so they could not be analyzed.
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

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ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • PBFS has more shares outstanding than it did 5 years ago.
  • 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
WACC12.64%
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

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • PBFS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.35%, which is quite good.
  • 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.
  • PBFS shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 17.70%.
  • Measured over the past years, PBFS shows a small growth in Revenue. The Revenue has been growing by 3.75% on average per year.
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

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Find the best growth stocksShow best growing peers

1

4. Valuation

4.1 Price/Earnings Ratio

  • PBFS is valuated rather expensively with a Price/Earnings ratio of 18.24.
  • PBFS's Price/Earnings ratio is a bit more expensive when compared to the industry. PBFS is more expensive than 79.27% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of PBFS to the average of the S&P500 Index (26.68), we can say PBFS is valued slightly cheaper.
Industry RankSector Rank
PE 18.24
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 20.73
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)1.09
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • PBFS does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

PIONEER BANCORP INC/NY

NASDAQ:PBFS (2/13/2026, 8:00:02 PM)

After market: 14.59 0 (0%)

14.59

-0.07 (-0.48%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-28
Inst Owners22.96%
Inst Owner Change2.31%
Ins Owners1.85%
Ins Owner Change0.1%
Market Cap365.92M
Revenue(TTM)93.50M
Net Income(TTM)19.84M
Analysts0
Price TargetN/A
Short Float %0.92%
Short Ratio6.77
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 18.24
Fwd PE N/A
P/S 3.91
P/FCF 20.73
P/OCF 17.95
P/B 1.16
P/tB 1.22
EV/EBITDA N/A
EPS(TTM)0.8
EY5.48%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.7
FCFY4.82%
OCF(TTM)0.81
OCFY5.57%
SpS3.73
BVpS12.53
TBVpS12
PEG (NY)N/A
PEG (5Y)1.09
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
WACC12.64%
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.