Pioneer Bancorp Inc
Research Pioneer Bancorp Inc (PBFS) on Bullrun: valuation model: 14.5% overvalued, market cap USD 425.29M, P/E 25.4. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerPBFS
- ExchangeNASDAQ
- CountryUnited States
- SectorFinancial Services
- IndustryBanks-Regional
- CurrencyUSD
- Valuation signal14.5% overvalued
- Market capUSD 425.29M
- P/E25.4
- Financial periodQ2 2026
- RevenueUSD 28.32M
- Net incomeUSD 3.48M
- Free cash flowUSD 14.23M
Valuation Snapshot
Bullrun's latest valuation model marks Pioneer Bancorp Inc as 14.5% overvalued; latest market cap is USD 425.29M; P/E is 25.4.
Peer valuation comparison
Latest P/E is 25.44x versus a Financial Services sector median of 13.41x (89.7% above).
Latest P/E is 25.44x versus a United States median of 23.75x (7.1% above).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 15.81M | USD 20.29M | USD 8.80M | n/a | 0.83 | USD 133.68M | n/a | USD 323.86M |
| FY2024 | USD 14.95M | USD 15.26M | USD 23.01M | n/a | 0.61 | USD 165.19M | n/a | USD 296.53M |
| FY2023 | USD 12.98M | USD 21.95M | USD 25.82M | n/a | 0.87 | USD 150.48M | n/a | USD 266.70M |
| FY2022 | USD 13.23M | USD 10.28M | USD 49.19M | n/a | 0.41 | USD 376.06M | n/a | USD 242.63M |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-10-12 | USD 425.29M | 25.4 | n/a | n/a |
| 2025 | 2025-12-31 | USD 329.05M | 16.4 | n/a | n/a |
| 2024 | 2024-12-31 | USD 291.07M | 19.5 | n/a | n/a |
| 2023 | 2023-12-29 | USD 252.26M | 12.5 | n/a | n/a |
| 2022 | 2022-12-30 | USD 296.15M | 20.4 | n/a | n/a |
| 2021 | 2021-12-31 | USD 294.07M | 51.5 | n/a | n/a |
About Pioneer Bancorp Inc
Pioneer Bancorp, Inc. operates as a holding company for Pioneer Bank, National Association that provides various banking products and services in New York. It accepts various deposit accounts, such as demand, savings, and money market accounts, as well as certificates of deposit accounts. The company's loan products include commercial real estate, commercial and industrial, commercial construction, residential mortgage, consumer loans, home equity loans, and lines of credit.
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Frequently asked questions
Is Pioneer Bancorp Inc overvalued or undervalued?
Bullrun's valuation model currently marks Pioneer Bancorp Inc as 14.5% overvalued.
What is Pioneer Bancorp Inc's market cap?
Pioneer Bancorp Inc's market capitalization is USD 425.29M.
What is Pioneer Bancorp Inc's P/E ratio?
Pioneer Bancorp Inc's price-to-earnings (P/E) ratio is 25.4.
What does Pioneer Bancorp Inc do?
Pioneer Bancorp, Inc. operates as a holding company for Pioneer Bank, National Association that provides various banking products and services in New York. It accepts various deposit accounts, such as demand, savings, and money market accounts, as well as certificates of deposit accounts. The company's loan products include commercial real estate, commercial and industrial, commercial construction, residential mortgage, consumer loans, home equity loans, and lines of credit. It also invests in securities, including U.S.