PBFS
Pioneer Bancorp, Inc.
There isn't enough reported data to score PBFS yet.
PBFS Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Healthy | |
| N/A | |
| N/A |
PBFS's profitability is currently healthy. There isn't enough data to rate its revenue. Free cash flow and net leverage aren't meaningful measures for financial services companies like PBFS.
PBFS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 14x | $7.06 | -61% |
| Fair | 20x | $10.45 | -42% |
| Current | 35x | $18.15 | — |
| Expensive | 52x | $27.26 | +50% |
Historical ranges are pointers, not guarantees.
PBFS's PE is 35x, but its earnings don't support one, so it isn't a reliable read right now.
PBFS Forward outlook
There aren't enough analyst estimates for PBFS to show an outlook.
PBFS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2024 | $0.72 | -10% |
| Q2 2024 | $0.61 | -30% |
| Q1 2024 | $0.63 | -21% |
| Q4 2023 | $0.68 | +19% |
| Q3 2023 | $0.80 | +40% |
| Q2 2023 | $0.87 | +112% |
| Q1 2023 | $0.80 | +400% |
| Q4 2022 | $0.57 | +185% |
PBFS's earnings per share have fallen from their peak: $0.52 over the past year, against $0.87 in mid-2023.
PBFS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $29.1M | +21% |
| Q2 2026 | $28.3M | +16% |
| Q1 2026 | $24.6M | +7.9% |
| Q3 2025 | $24M | +9.1% |
| Q2 2025 | $24.4M | +17% |
| Q1 2025 | $22.8M | +5.8% |
| Q3 2024 | $22M | +13% |
| Q2 2024 | $20.9M | +7.9% |
PBFS's revenue has grown year over year for 10 quarters in a row: $29M last quarter, up 21% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 0.2% | -23 points |
| Q2 2026 | 17% | -16 points |
| Q1 2026 | 23% | -9.3 points |
| Q4 2025 | 21% | N/A |
| Q3 2025 | 23% | -14 points |
| Q2 2025 | 33% | +9.3 points |
| Q1 2025 | 33% | +4.4 points |
| Q3 2024 | 37% | +15 points |
PBFS's operating margin was 0.2% last quarter, down 23 points from the same quarter a year ago, near the bottom of its range since 2019.
PBFS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $16.8M | +330% |
| Q2 2026 | $14.7M | +189% |
| Q1 2026 | -$161K | +$3.4M |
| Q3 2025 | $3.9M | +104% |
| Q2 2025 | $5.1M | -44% |
| Q1 2025 | -$3.5M | -207% |
| Q3 2024 | $1.9M | -85% |
| Q1 2024 | $3.3M | +42% |
PBFS's free cash flow was $37M over the past year, about five times what it generated the year before. Free cash flow isn't a meaningful measure for financial services companies like PBFS.
PBFS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +7.3K shares |
| 1 year | -1% | -255K shares |
| 3 years | -3.3% | -831K shares |
| 5 years | -2.9% | -729K shares |
| Available history | -2.6% | -659K shares |
PBFS has 24M diluted shares, down 1% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q4 2025 | $417,000 |
| Q3 2025 | $6M |
| Q2 2025 | $3.3M |
| Q1 2025 | $1.6M |
| Q3 2024 | $1.2M |
PBFS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -3.7x | Net Cash |
| Q2 2026 | -1.6x | Net Cash |
| Q1 2026 | -1.0x | Net Cash |
| Q4 2025 | -1.1x | Net Cash |
| Q3 2024 | -3.0x | Net Cash |
| Q2 2024 | -1.7x | Net Cash |
| Q1 2024 | -1.7x | Net Cash |
| Q4 2023 | -1.3x | Net Cash |
PBFS has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like PBFS.
PBFS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 62.4 | Neutral |
| Stochastic | 45.8 | Neutral |
PBFS's weekly RSI is 62 (neutral) and its Stochastic is 46 (neutral).
PBFS PE vs Financial Services Sector
| Metric | PBFS | Sector median | Relative |
|---|---|---|---|
| PE | 35x | 13x | 166% above |
| PE % | 67 | 63 | 4 pts above |
PBFS is trading at 35x earnings, a 166% premium to the Financial Services sector's median of 13x, though its earnings don't support one.
PBFS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $17.9 | 1.4% above |
| 20 week MA | $17.7 | 2.5% above |
| 50 week MA | $15.8 | 15% above |
| 100 week MA | $14.0 | 30% above |
| 200 week MA | $11.9 | 53% above |
PBFS is in an uptrend: it's above all five of its weekly moving averages, and 53% above its 200-week average.
PBFS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $15.2 | $10.5 | -31% |
| 2021 | $10.5 | $11.9 | +14% |
| 2022 | $11.9 | $11.5 | -3.1% |
| 2023 | $11.5 | $10.0 | -13% |
| 2024 | $10.0 | $11.4 | +14% |
| 2025 | $11.4 | $13.9 | +22% |
| 2026 YTD | $13.9 | $18.2 | +31% |
PBFS is up 31% so far in 2026, after finishing lower in three of the previous six years.