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
$18.33+0.18 (+0.99%)
Close on Nov 13, 2026Market cap $455.35MP/E 30.0Yield –
Pioneer Bancorp statistics
86 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- –
- Last ex-dividend date
- No dividends
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 13, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.54
- 1.52
- P/OCF Ratio
- 19.09
- 9.82
Enterprise valuationIndustry
- EV / Sales
- 14.68
- 2.95
- EV / FCF
- 9.54
- 8.49
Share statisticsIndustry
- Shares Change (YoY)
- 0.21%
- 0.33%
- Shares Change (QoQ)
- 0.03%
- 0.00%
- Float
- 25M
- 17M
- Shares Held by Insiders
- 0.70%
- 6.05%
- Shares Held by Institutions
- 22.9%
- 61.3%
Short sellingIndustry
- Short Interest
- 107,166
- –
- Short Interest Change
- -15.6%
- -4.13%
- Short % of Float
- 0.43%
- 3.58%
- Short % of Shares Outstanding
- 0.43%
- 3.18%
- Days to Cover
- 9.15
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $19.91
- –
- 52-Week Low
- $13.00
- –
- 20-Day Moving Average
- $18.22
- –
- 50-Day Moving Average
- $17.97
- –
- 200-Day Moving Average
- $16.18
- –
- Average True Range (14)
- $0.42
- –
- Price Change (1 Week)
- -0.11%
- 0.69%
- Price Change (1 Month)
- 3.38%
- 3.79%
- Price Change (3 Months)
- 7.19%
- -2.72%
- Price Change (6 Months)
- 24.5%
- 12.2%
- Price Change (YTD)
- 36.0%
- 19.9%
- Price Change (1 Year)
- 37.8%
- 25.7%
- Price Change (3 Years)
- 126.6%
- 65.1%
- Price Change (5 Years)
- 41.3%
- 26.9%
- Average Volume (10 Days)
- 13,054
- –
- Average Volume (20 Days)
- 12,607
- –
- Average Volume (90 Days)
- 12,580
- –
- Relative Volume
- 0.78
- 0.68
- Relative Strength Index (14)
- 53.9
- 53.1
- Volatility (1 Year)
- 24.9%
- 24.4%
- Beta (5 Years)
- 0.35
- 0.63
MarginsIndustry
- Pretax Margin
- 129.8%
- 37.0%
- FCF Margin
- 153.9%
- 33.9%
Returns on capitalIndustry
- Return on Equity (ROE)
- 4.72%
- 10.7%
- Return on Assets (ROA)
- 0.59%
- 1.16%
GrowthIndustry
- Revenue Growth (YoY)
- 15.2%
- 11.7%
- Net Income Growth (YoY)
- -30.5%
- 22.6%
- EPS Growth (YoY)
- -29.9%
- 21.6%
- FCF Growth (YoY)
- -10.9%
- 27.2%
- Revenue Growth (3Y CAGR)
- 5.41%
- 5.82%
- Revenue Growth (5Y CAGR)
- 3.01%
- 6.17%
- EPS Growth (3Y CAGR)
- 148.0%
- 1.31%
EfficiencyIndustry
- Asset Turnover
- 0.01
- 0.04
- Revenue Per Employee
- $58.18K
- $358.92K
- Profits Per Employee
- $59.38K
- $110.51K
- Employee Count
- 257
- 492
- WACC
- 7.60%
- 8.13%
Income statement (TTM)Industry
- Pretax Income
- $19.41M
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- $235.87M
- $165.09M
- Net Cash Per Share
- $9.49
- $8.07
- Equity (Book Value)
- $323.30M
- $570.13M
- Book Value Per Share
- $13.01
- $28.12
- Tangible Book Value
- $296.07M
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$838.00K
- -$4.24M
- FCF Per Share
- $0.93
- $3.37
Dividends and yieldsIndustry
- Earnings Yield
- 3.35%
- 8.29%
- FCF Yield
- 5.05%
- 9.18%
- Buyback Yield
- 0.24%
- 1.82%
- Shareholder Yield
- 0.24%
- 3.26%
Taxes and interestIndustry
- Interest Expense
- $21.80M
- $24.37M
- Income Tax
- $4.15M
- $16.14M
- Effective Tax Rate
- 21.4%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $13.36
- $45.07
- Graham Upside
- -27.1%
- 18.8%
- Altman Z-Score
- 0.24
- 0.22
- Piotroski F-Score
- 5
- 6
- Lynch Fair Value
- $15.25
- –
- Lynch Upside
- -16.8%
- -0.43%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | PBFS | S&P 500 | Difference | PBFS per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +4.1% | -3.0% | +7.2 pts | ||
| 3 months | +6.0% | -2.8% | +8.8 pts | ||
| Year to date | +36.0% | +11.5% | +24.5 pts | ||
| 1 year | +36.5% | +13.5% | +23.0 pts | ||
| 3 years | +131.7% | +77.7% | +54.0 pts | +32.3% | +21.1% |
| 5 years | +41.3% | +72.6% | −31.3 pts | +7.2% | +11.5% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
0M PBFS shares were sold short on Oct 30, 2026, down 15.6% from the previous report, or 0.43% of the shares available to trade. At recent volumes it would take 9.2 days to buy them back. Over the last 20 sessions, 38.1% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 107,166 | -15.6% | 11,710 | 9.2 |
| Oct 15, 2026 | 126,911 | +0.2% | 12,998 | 9.8 |
| Sep 30, 2026 | 126,640 | -13.2% | 19,993 | 6.3 |
| Sep 15, 2026 | 145,924 | +8.7% | 14,600 | 10.0 |
| Aug 31, 2026 | 134,290 | +4.2% | 8,263 | 16.3 |
| Aug 14, 2026 | 128,822 | +9.2% | 7,861 | 16.4 |
| Jul 31, 2026 | 117,956 | +3.7% | 11,137 | 10.6 |
| Jul 15, 2026 | 113,770 | +12.0% | 12,185 | 9.3 |
| Jun 30, 2026 | 101,537 | -8.0% | 34,370 | 3.0 |
| Jun 15, 2026 | 110,339 | +25.9% | 18,145 | 6.1 |
| May 29, 2026 | 87,615 | +2.9% | 33,416 | 2.6 |
| May 15, 2026 | 85,137 | -1.5% | 12,026 | 7.1 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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