Pioneer Bancorp Inc. Common Stock (PBFS)

FairStock Score: 42/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at Pioneer Bancorp as a small New York community bank: deposits, commercial real estate, commercial and industrial, residential and consumer loans. The filed numbers show a mixed picture. In fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $4.3 million, net income $3.5 million and diluted EPS $0.14, versus $4.0 million revenue, $6.5 million net income and $0.26 EPS in fiscal Q2 2025, the quarter ended 2025-06-30. So revenue rose modestly, but profit fell sharply. For FY2025, period ended 2025-12-31, revenue was $15.8 million, net income $20.3 million and diluted EPS $0.83; FY2024, period ended 2024-06-30, had revenue $15.0 million and net income $15.3 million. FairStock computes a 25.14 P/E and 1.30 P/B using the 2026-10-13 close of $17.60, a 5.24% ROE, and a Piotroski F-Score of 5/9. The Lynch classification is STALWART, citing 31.3% annual profit growth over five years and 4.7% revenue growth. That long-term profit record is attractive, but current profitability and the steep latest drop matter. A 1.3 times book valuation is not demanding for a bank, but a 25 times earnings multiple and low ROE leave little margin of safety if credit costs rise. The missing data - CET1, net interest margin, nonperforming loans, reserves, efficiency ratio, and loan-to-deposit - are precisely what I would need to judge underwriting and balance-sheet strength; the combined ratio is an insurer measure and not applicable. Without them, I treat this as a fair-to-full price on an uncertain earnings trend, not a bargain. The low beta and no dividend do not compensate for that opacity.

In plain English: Pioneer Bancorp is a small New York bank holding company that takes deposits and makes loans, including commercial real estate, business, and consumer loans. The business looks mixed: revenue has grown, but the latest reported quarterly profit fell sharply from a year earlier, and profitability is modest. At the latest close, the stock trades at about 25 times yearly earnings and 1.3 times its accounting net worth, which looks fair-to-full rather than clearly cheap.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-06-30) · FY2023 10-K (period ended 2023-06-30)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer