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Pioneer Bancorp

PBFS
52
Banks - Regional · Financial Services
Price
$17.36
+0.24 (+1.43%)
Market Cap
$435.5M
Exchange
NASDAQ
Winston Score
52
Winston is curious
Mixed quality — meaningful strengths and weaknesses.
Data as of Aug 23, 2026 · filings through Jun 30, 2026
How the score breaks down
Bank Quality
Mixed
Growth
Mixed
Capital Strength
Exceptional
Asset Quality
Exceptional
Valuation
Mixed
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Share count falling — buybacks

−2.2% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 25.1M (2022) → 24.6M (2026)

Winston Score History

The full picture

Pioneer Bancorp is a regional bank holding company based in Albany, New York. It operates through its main subsidiary, Pioneer Bank, which offers everyday banking services like checking and savings accounts, home loans, business loans, and other financial products. The bank mainly serves individuals, families, and small to mid-sized businesses in the Hudson Valley and Capital Region of upstate New York.

Pioneer Bancorp makes money primarily by collecting interest on loans and mortgages, as well as earning fees on various banking services. It operates a network of branches concentrated in eastern New York State, making it a community-focused institution rather than a national player. With a market cap of roughly $400 million, it is a small regional bank competing against both larger national banks and other local lenders. Its main competitive edge comes from local relationships and community knowledge, but rising interest rates and credit quality in its loan portfolio remain key risks to watch.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+17.4% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

-46.2% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

58.8%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Runway

5+ years

Quarterly Free Cash Flow

↓ Burn rate worsening

$2.1B cash & investments at current burn rate

Growth context

Pioneer Bancorp is growing revenue at 17% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Bank Quality

Return on owners' money
Return on Equity
7.7%
no trend
Weak — 7.7% return on equity

Standard mid-range return on equity. Acceptable.

Profit on lending
Net Interest Margin
3.99%
no trend
Wide spread — 3.99% net interest margin
Cost of running the bank
Efficiency Ratio
72.5%
no trend
Bloated cost base — 72.5% efficiency ratio

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Growth

Sales growth
Sales YoY
+13.3%
Fast-growing sales (+13.3% YoY)
Profit growth
EPS YoY
-19.5%
Earnings shrinking (-19.5% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

How steady the profit is
EPS Consistency
4/8 quarters
Earnings inconsistent quarter-to-quarter

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Capital Strength

Safety cushion
Capital Ratio
16.2%
no trend
Fortress balance sheet — 16.2% CET1

A strong capital cushion. This bank is well padded against a bad year.

Asset Quality

Loans not being repaid
Non-Performing Loans
0.52%
no trend
Clean loan book — 0.52% non-performing

Below 1% of loans are troubled. Still a healthy, well-run loan book.

Loans written off
Net Charge-Offs
0.01%
no trend
Minimal losses — 0.01% net charge-offs

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Valuation

Price vs profit
P/E Ratio (TTM)
24.8x
Growth-priced — P/E 24.8

P/E above the market average. People are paying up for expected growth.

Cheaper or dearer next year
P/E vs Forward
N/A
not available
Data not available

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Dividends

Not applicable for this business.
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