Explore 3 Stock Ideas & Industry Insights Download Free Report

888-969-2592
Shopping Cart 0
countryflagCA
Login

Home CompaniesPioneer Bancorp Inc

Pioneer Bancorp Inc

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
18.31 USD -0.23 ( 1.24%)
Last update at 2026-11-10T21:01:00Z
VOLUME
8214
Market Cap
439.59M
P/E
25.61

Momentum Score

…

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. treasury securities, fixed-rate mortgage-backed securities and collateralized mortgage obligations, fixed-rate investment grade bonds, and corporate debt securities. In addition, the company offers personal and commercial insurance products, including homeowners, automobile, and comprehensive business insurance; employee benefit products and consulting services, such as group health, dental, disability, and life insurance products; defined contribution and benefit administration, and human resource management services; and wealth management services comprising investment advice, retirement income planning, estate planning, business succession, and employer retirement planning. Pioneer Bancorp, Inc. was founded in 1889 and is based in Albany, New York. Pioneer Bancorp, Inc. operates as a subsidiary of Pioneer Bancorp MHC.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
18.30
Low
18.91
High
52 Week Price Range
12.64
Low
19.91
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
18.54
Dividend Yield
-
Revenue TTM
98.51M
Revenue Per Share
4.08
Gross Profit TTM
98.51M
Debt / Equity
0.13
ROE
5.24%
Net Debt
-130.88M
ROCE
6.58%
Diluted EPS TTM
0.71

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Income before tax 26.49M 24.82M 19.41M 27.86M 13.34M
Net income 20.29M 19.20M 15.26M 21.95M 10.28M
Selling general administrative 35.86M 11.69M 31.23M 29.19M 22.41M
Selling and marketing expenses 1.01M 0.96M 0.73M 0.82M 0.52M
Gross profit 92.59M 88.12M 74.19M 71.03M 56.45M
Reconciled depreciation 1.90M - 2.60M 2.70M 2.74M
Ebit 26.49M 0.00M 19.41M 25.16M 14.80M
Ebitda 28.39M 2.51M 22.00M 27.86M 17.55M
Depreciation and amortization 1.90M 2.51M 2.60M 2.70M 2.74M
Operating income 26.49M 32.86M 19.41M 27.86M 14.80M
Other operating expenses 100.18M 55.26M 79.29M 5.56M 4.03M
Interest expense 30.38M 14.16M 21.80M 5.49M 1.46M
Tax provision 6.20M - 4.15M 5.91M 3.06M
Interest income 109.53M - 88.32M 71.03M 43.84M
Net interest income 79.15M - 66.51M 65.54M 42.38M
Income tax expense 6.20M 5.62M 4.15M 5.91M 3.06M
Total revenue 126.67M 88.12M 98.70M 79.69M 56.45M
Total operating expenses 66.10M 55.26M 54.78M 5.56M 4.03M
Cost of revenue 34.08M 16.51M 24.50M 8.66M -
Total other income expense net - -8.04M 5.95M - -1.46M
Net income from continuing ops 20.29M - 15.26M 21.95M 10.28M
Net income applicable to common shares - - - 21.95M 10.28M
Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Total assets 2150.68M 2096.43M 1895.40M 1856.19M 1964.23M
Intangible assets 2.71M 2.46M 2.95M 2.10M 2.49M
Other current assets - - 172.90M 7.19M 548.84M
Total liab 1826.82M 1782.18M 1598.88M 1589.49M 1721.60M
Total stockholder equity 323.86M 314.25M 296.53M 266.70M 242.63M
Other current liab 1748.31M 1752.63M 1559.95M - 1680.28M
Common stock 0.25M 0.26M 0.26M 0.26M 0.26M
Capital stock 0.25M - 0.26M 0.26M 0.26M
Retained earnings 203.04M 201.38M 187.73M 173.04M 151.09M
Other liab - - - 22.39M 28.51M
Good will 9.60M 10.88M 10.88M 8.80M 8.80M
Other assets - 177.98M 195.50M 187.06M 2520.61M
Cash 130.88M 119.39M 151.55M 148.31M 372.59M
Total current liabilities 1748.31M 1752.63M 1559.95M 1561.40M 1680.28M
Net debt -130.88M -119.39M -151.55M -148.31M -372.59M
Short term debt - - 0.76M - -
Short long term debt total - 40.00M 6.14M - -
Other stockholder equity 106.53M 105.56M 103.59M 102.97M 102.46M
Property plant equipment - - - 41.62M 37.31M
Total current assets 194.13M 416.31M 416.52M 1616.61M 1407.84M
Long term investments 261.95M - 282.50M 458.03M 1488.31M
Net tangible assets - - - 255.81M 231.33M
Short term investments 54.37M 288.22M 257.41M 431.67M 481.79M
Net receivables 8.89M 8.70M 7.56M 7.19M 4.62M
Inventory - - 1171.17M - -
Accounts payable - - - 1541.85M 1680.28M
Accumulated other comprehensive income 14.03M 7.05M 4.94M -9.57M -11.18M
Common stock total equity - - - - 0.26M
Retained earnings total equity - - - - 151.09M
Non currrent assets other 54.83M 45.78M 55.79M -458.03M 45.54M
Non current assets total 1956.55M 1680.12M 1478.88M 52.51M 556.39M
Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Investments 94.57M - -18.05M -114.87M -147.59M
Change to liabilities - - - 0.00M 13.58M
Total cashflows from investing activities -125.79M -311.80M -18.05M -114.87M -148.03M
Net borrowings 9.91M - -0.10M -0.11M -0.11M
Total cash from financing activities 151.83M 140.76M 8.91M -136.98M 149.16M
Change to operating activities - - - 3.35M 35.23M
Net income 20.29M 19.20M 15.26M 21.95M 10.28M
Change in cash 37.15M 14.71M 14.71M -225.58M 51.10M
Begin period cash flow 96.52M 150.48M 150.48M 376.06M 324.96M
End period cash flow 133.68M 165.19M 165.19M 150.48M 376.06M
Total cash from operating activities 11.12M 33.71M 23.85M 26.27M 49.97M
Depreciation 1.90M 2.51M 2.60M 2.70M 2.74M
Other cashflows from investing activities -217.56M -308.31M -202.30M 1.04M 0.34M
Change to account receivables -0.95M -0.76M -0.36M -2.57M -0.58M
Sale purchase of stock -11.29M -6.29M -1.07M - -
Other cashflows from financing activities 153.13M 147.15M 10.09M -136.86M 149.16M
Change to netincome - - - 0.84M -0.12M
Capital expenditures 2.32M 1.51M 0.84M 0.45M 0.78M
Change receivables - - - - -0.58M
Cash flows other operating - - - - 22.38M
Cash and cash equivalents changes - - - - 51.10M
Change in working capital -13.70M 3.54M -0.84M 0.78M 34.65M
Stock based compensation 1.89M 1.94M 0.63M 0.51M 0.58M
Other non cash items 2.98M 6.52M 6.39M -0.52M 1.00M
Free cash flow 8.80M 32.20M 23.01M 25.82M 49.19M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
PBFS
Pioneer Bancorp Inc		 -0.23
1.24%		 18.31 25.61 - 4.46 1.32 4.26
DBSDY
DBS Group Holdings Ltd ADR		 -1.20
0.54%		 219.05 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H		 -
-%		 6.69 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd		 -0.15
0.43%		 34.53 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA		 -0.36
0.39%		 90.94 11.53 10.27 5.72 1.83 8.22

Profile*

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. It also invests in securities, including U.S. treasury securities, fixed-rate mortgage-backed securities and collateralized mortgage obligations, fixed-rate investment grade bonds, and corporate debt securities. In addition, the company offers personal and commercial insurance products, including homeowners, automobile, and comprehensive business insurance; employee benefit products and consulting services, such as group health, dental, disability, and life insurance products; defined contribution and benefit administration, and human resource management services; and wealth management services comprising investment advice, retirement income planning, estate planning, business succession, and employer retirement planning. Pioneer Bancorp, Inc. was founded in 1889 and is based in Albany, New York. Pioneer Bancorp, Inc. operates as a subsidiary of Pioneer Bancorp MHC.

652 Albany Shaker Road, Albany, NY, United States, 12211

518 730 3025

https://www.pioneerny.com

298

Name Title Year Born
Mr. Thomas L. Amell Pres, CEO & Director 1967
Mr. Patrick J. Hughes Exec. VP & CFO 1973
Mr. Jesse A. Tomczak Exec. VP & Chief Banking Officer 1973
Mr. Thomas Harry Signor CPA Exec. VP & Chief Admin. Officer 1968
Ms. Susan M. Hollister Exec. VP, Chief HR Officer & Corp. Sec. 1966
Mr. Robert J. Nichols Exec. VP & Chief Credit Officer 1965
Ms. Kelli Arnold Exec. VP and Chief Strategy & Innovations Officer 1970
Mr. Thomas L. Amell President, CEO & Director 1968
Mr. Patrick J. Hughes Executive VP & CFO 1973
Mr. Jesse A. Tomczak Executive VP & Chief Banking Officer 1974

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

Kalkine

3 Mining Stock
Ideas Report

Download a free report with stock ideas and industry insights for general information.

Download Free Report Now → sector image

Top Stocks by Market Cap*

DRUG
CAD 32.00
+23.08%
CHR
CAD 35.50
+7.80%
HG
CAD 4.77
+7.19%
QTWO
CAD 1.73
+7.14%
PET
CAD 23.03
+7.02%
MUX
CAD 18.80
-17.69%
URE
CAD 0.96
-15.04%
WELL
CAD 3.62
-14.82%
ITH
CAD 2.01
-10.67%
SGML
CAD 7.52
-9.94%

Equity Sectors*

  • Basic Materials

    -3.56%

  • Communication Services

    +0.11%

  • Consumer Cyclical

    -0.57%

  • Consumer Defensive

    -0.30%

  • Energy

    +0.19%

  • Financial Services

    -0.06%

  • Healthcare

    -0.37%

  • Industrials

    -0.81%

  • Real Estate

    -0.85%

  • Technology

    -0.12%

  • Utilities

    -0.11%

Note: Daily price change (%) by sector excluding stocks with +/-90% daily price change. Companies above $500 million market capitalization are considered.

Support

Hi! How can we help you today?

Loading…