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Pioneer Bancorp, Inc.

PBFS

Pioneer Bancorp, Inc. is a bank holding company that operates through its subsidiary, Pioneer Bank, providing a range of retail and commercial banking services.

Market cap
$449.88M+48.1%
Revenue$98.1M+16.7%
Net income$19.8M+21.5%
EPS (diluted)$0.82+26.2%
Trailing twelve months · change vs. prior year

Earnings

Next report

Date not yet announced

Financials

Q1 2026

Income statement

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Revenue$24.6M+7.9%
Net income$5.3M-8.2%
EPS (diluted)$0.22-4.3%

Balance sheet

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Cash & equivalents$156.9M+12.4%
Total equity$328.6M+5.8%
Total assets$2.2B+7.3%

Cash flow

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Operating cash flow-$161.0K+95.4%

Valuation & ratios

Valuation

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Market cap$449.88M+48.1%
P/E22.7×+6.2×
P/S4.6×+1.0×

Profitability

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Net margin20.2%+0.8pp

Returns & leverage

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Return on equity6.2%+0.8pp

Segments

By product

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Wealth Management Services$2.1M+13.2%
Credit And Debit Card$663.0K+0.3%
Deposit Account$622.0K+4.7%
Insurance Revenues Fee$403.0K-19.2%
Service Other$86.0K+22.9%

Competitors

Profile

Pioneer Bancorp, Inc. is a bank holding company that operates through its subsidiary, Pioneer Bank, providing a range of retail and commercial banking services. The company focuses on community-based financial solutions, including deposit products, lending, and wealth management services to individuals and businesses. Its core value proposition centers on localized decision-making and personalized customer service within its regional footprint.

Competitive position

A community-oriented regional bank with a strong local presence in the Capital Region of New York, competing through relationship-based service.

GeographiesUnited States, New York
Customer segmentsRetail, Commercial, SME
Business modelInterest Spread, Fee-based Services
SuppliersFederal Reserve System, Depositors, Financial Technology Providers
CustomersHomeowners, Local Businesses, Real Estate Investors, Municipalities
Listed2019
Employees279.0
CEOThomas L. Amell
FilingsSEC EDGAR

Questions, answered.

What is Pioneer Bancorp, Inc.'s market cap?
Pioneer Bancorp, Inc. (PBFS) has a market capitalization of $449.9M and trades on NASDAQ.
What is Pioneer Bancorp, Inc.'s revenue and profitability?
Pioneer Bancorp, Inc. generated $98.1M in trailing twelve-month revenue with net income of $19.8M, representing a net margin of 20.2%. These figures are based on the Q1 2026 filing.
Who are Pioneer Bancorp, Inc.'s competitors?
Pioneer Bancorp, Inc.'s key competitors include KeyCorp, Trustco Bank Corp NY, Community Bank System, Inc., and others. These companies compete in similar markets and product categories.
What subsidiaries does Pioneer Bancorp, Inc. have?
Pioneer Bancorp, Inc.'s subsidiaries include Pioneer Bank.
Where is Pioneer Bancorp, Inc. headquartered?
Pioneer Bancorp, Inc. is headquartered in United States of America and employs approximately 279 people. It has been publicly traded since 2019.