PIONEER BANCORP INC/NY (PBFS) Stock Fundamental Analysis

NASDAQ:PBFS • US7235611065

14.66 USD
+0.14 (+0.96%)
At close: Feb 12, 2026
14.66 USD
0 (0%)
After Hours: 2/12/2026, 8:09:24 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to PBFS. PBFS was compared to 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 has a expensive valuation and it also scores bad on growth.


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.
  • In the past 5 years PBFS has always been profitable.
  • 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

  • The Return On Assets of PBFS (0.88%) is comparable to the rest of the industry.
  • The Return On Equity of PBFS (6.31%) is worse than 69.82% 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

  • With a Profit Margin value of 21.21%, PBFS is not doing good in the industry: 63.25% of the companies in the same industry are doing better.
  • PBFS's Profit Margin has improved in the last couple of years.
  • 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

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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.
  • The number of shares outstanding for PBFS has been increased compared to 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

  • PBFS has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC12.76%
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.
  • The Revenue has grown by 17.70% in the past year. This is quite good.
  • The Revenue has been growing slightly by 3.75% on average over the past years.
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

  • Based on the Price/Earnings ratio of 18.32, the valuation of PBFS can be described as rather expensive.
  • Based on the Price/Earnings ratio, PBFS is valued expensively inside the industry as 80.05% of the companies are valued cheaper.
  • When comparing the Price/Earnings ratio of PBFS to the average of the S&P500 Index (27.67), we can say PBFS is valued slightly cheaper.
Industry RankSector Rank
PE 18.33
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of PBFS indicates a slightly more expensive valuation: PBFS is more expensive than 72.44% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 20.83
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)1.1
EPS Next 2YN/A
EPS Next 3YN/A

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

0

5. Dividend

5.1 Amount

  • No dividends for PBFS!.
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 (2/12/2026, 8:09:24 PM)

After market: 14.66 0 (0%)

14.66

+0.14 (+0.96%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-28
Inst Owners22.96%
Inst Owner Change-0.02%
Ins Owners1.85%
Ins Owner Change0.1%
Market Cap367.67M
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 18.33
Fwd PE N/A
P/S 3.93
P/FCF 20.83
P/OCF 18.04
P/B 1.17
P/tB 1.22
EV/EBITDA N/A
EPS(TTM)0.8
EY5.46%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.7
FCFY4.8%
OCF(TTM)0.81
OCFY5.54%
SpS3.73
BVpS12.53
TBVpS12
PEG (NY)N/A
PEG (5Y)1.1
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
WACC12.76%
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.