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Pioneer Bancorp, Inc./MD logo

Pioneer Bancorp, Inc./MD (PBFS) stock

PBFSNasdaqSavings Institutions, Not Federally CharteredFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 6, 2026
$18.15−0.17 (-0.93%)

Close on Nov 12, 2026Market cap $450.88MP/E 29.8Yield –

Pioneer Bancorp, Inc./MD grew revenue 15.2% to $14.95M over the twelve months to Jun 30, 2024. Free cash flow was $23.01M, down 10.9% from a year earlier. At the latest close the market valued the company at $450.88M, 29.8 times its earnings.

Revenue
$14.95M
+15.2% vs. a year earlier
Free cash flow
$23.01M
-10.9% vs. a year earlier
EPS, diluted
$0.61
-29.9% vs. a year earlier

Key statistics

Valuation at the latest close; fundamentals over the trailing twelve months, balances at Sep 30, 2026

Valuation

Market cap
$450.88M
P/E ratio
29.8
Price to sales
30.15
Price to book
1.39
Dividend yield
–
Free cash flow yield
5.10%

Fundamentals

Revenue
$14.95M
Net income
$15.26M
EPS, diluted
$0.61
Free cash flow
$23.01M
Book value per share
$13.28
Diluted shares
24M

Trading

Previous close
$18.32
Open
$18.60
Day's range
$18.15 – $18.60
Volume
5,220
Average volume (20 days)
12,542
Index membership
Russell 2000
Beta (5 years)
0.35
52-week range
$13.00 – $19.91
RSI (14 days)
50.7
Volatility (1 year)
24.9%
Relative volume
0.41×
WACC
7.4%

Index membership is inferred from the holdings of funds that track each index (IWM), as reported to the SEC for Jun 30, 2026. Join dates come from quarterly fund reports since 2019, so they are accurate to the quarter.

Market cap history

Month-end market cap since 2019, using shares outstanding reported at the time

Total return vs. the S&P 500

Price change plus reinvested dividends, to the close on Nov 12, 2026. The S&P 500 is measured by the SPY fund.

PeriodPBFSS&P 500DifferencePBFS per yearS&P 500 per year
1 month+3.3%-2.7%+6.0 pts
3 months+4.7%-1.7%+6.5 pts
Year to date+34.6%+11.9%+22.7 pts
1 year+36.5%+12.0%+24.5 pts
3 years+127.7%+78.2%+49.6 pts+31.6%+21.2%
5 years+39.9%+73.2%−33.3 pts+7.0%+11.6%

Eight years at a glance

Fiscal years 2017 to 2024, USD

Revenue

$14.95M+15.2% YoY

Net income

$15.26M-30.5% YoY

EPS, diluted

$0.61-29.9% YoY

Free cash flow

$23.01M-10.9% YoY
Reported period

Press releases

Releases Pioneer Bancorp filed with the SEC as exhibits to Form 8-K or 6-K

All press releases and earnings

About Pioneer Bancorp

Savings Institutions, Not Federally Chartered

Pioneer Bancorp, Inc. is a bank holding company that conducts operations primarily through Pioneer Bank, National Association. The institution provides retail, commercial, and municipal banking services, attracting deposits through demand, savings, money market, and certificate of deposit accounts. Its lending activities concentrate on commercial real estate, commercial and industrial loans, commercial construction, and home equity lines of credit, while residential mortgage loans are purchased via a strategic partnership. In addition to banking, the company sells commercial and consumer insurance products, employee benefit packages, wealth management services, and human resources consulting. It serves retail customers, small-to-medium businesses, and local municipalities.

Company profile, executives and history

Pioneer Bancorp stock: common questions

What is Pioneer Bancorp's stock price?

PBFS closed at $18.15 on Nov 12, 2026, down 0.93% on the day. Over the past 52 weeks it traded between $13.00 and $19.91.

What is Pioneer Bancorp's market cap?

Pioneer Bancorp was worth $450.88M at the close on Nov 12, 2026: the share price times the diluted shares outstanding.

What is PBFS's P/E ratio?

PBFS trades at 29.8 times earnings, based on diluted earnings per share of $0.61 over the twelve months to Jun 30, 2024.

How much revenue does Pioneer Bancorp make?

Pioneer Bancorp reported revenue of $14.95M for the twelve months to Jun 30, 2024, up 15.2% from a year earlier.

Does Pioneer Bancorp pay a dividend?

No. Pioneer Bancorp has not paid a cash dividend over the last twelve months.

How has PBFS stock performed over the past year?

Including dividends, PBFS returned +36.5% over the past year, against +12.0% for the S&P 500.

How many PBFS shares are sold short?

0M shares were sold short at the latest FINRA report, 0.43% of the float, or 9.2 days of average trading volume.

Who are Pioneer Bancorp's competitors?

Companies most similar to Pioneer Bancorp by business, industry and size include GCBC, RBKB, NECB, GOVB, SRBK.

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