Pioneer Bancorp

NAQ:PBFS · US7235611065

BanksSmall

360

Medium confidence — indicative

Value38

Profit price9

Cash yield1

Sales & asset price50

Price/Sales38

EV / Gross Profit75

Price/Book38

Quality38

Returns on capital30

Profit margins—

Cash backing27

Cash Conversion26

Accruals36

Owner Earnings Margin18

Growth27

Sales growth35

Profit growth12

Profit Growth15

Owner Earnings Growth8

Reinvestment79

Price momentum71

Safety68

Debt load76

Debt serviceability3

Liquidity53

Sentiment45

Analyst ratings—

Expectations trend—

Market mood1

Value Creation10/20creating some value

Creates more value than its capital costs
Owner earnings growing
Owner earnings per share growing
Reinvests at strong returns
Solid earnings base

What this means

Pioneer Bancorp clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA

IndustryBanks

SizeSmall

TypePublic Company

ExchangeNASDAQCM

Founded2019

Employees231

Websiteinvestors.pioneerny.com

ISINUS7235611065

Last UpdateApr 2, 2026

Indices

NASDAQ (USA)

Description

Pioneer Bancorp, Inc. (Pioneer) operates as the bank holding company for Pioneer Bank, National Association (the ‘bank’). Pioneer Bancorp, MHC owns a majority of the outstanding shares of the company’s common stock. The company operates 21 retail b…

Analysis

Middle-of-the-road

Pioneer Bancorp, Inc. sits in the middle of our grid: average quality, average price, no obvious signal in either direction.

On valuation, the picture is fair. The owner-earnings multiple stands at 20.3×; owner earnings: the cash an owner could take out each year.

Growth is tepid; the safety picture is sturdy. The company scores 10/20 on our value-creation score: creating some value.

Flags to be aware of: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250

20232026

All-time high

Jan 2023

All-time low

Jun 2026

Average rank

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023

Price/Sales

—

Price/Earnings

—

Price/Book

—

Dividend Yield

—

Value (overall)

—

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View

1 · Watch OutGood· 100

Value

1 · ExpensiveGood Value· 100

Quality

1 · Weak FundamentalsHigh Quality· 100

Growth

1 · Tough TimesHigh Growth· 100

Safety

1 · High LeverageWell-Financed· 100

Sentiment

1 · SkepticismPositive· 100

Learn More →