---
title: "Pioneer Bancorp, Inc. (PBFS.US)"
type: "Symbol"
locale: "en"
url: "https://longbridge.com/en/quote/PBFS.US.md"
symbol: "PBFS.US"
name: "Pioneer Bancorp, Inc."
industry: "Regional Banks"
datetime: "2026-05-21T16:50:30.110Z"
locales:
  - [en](https://longbridge.com/en/quote/PBFS.US.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/PBFS.US.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/PBFS.US.md)
---

# Pioneer Bancorp, Inc. (PBFS.US)

## Company Overview

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.

| Item | Detail |
|------|--------|
| Industry | Regional Banks |
| Exchange | US Market |
| Website | [www.pioneerny.com](https://www.pioneerny.com) |

## Key Drivers
> *AI-analyzed key factors driving this stock's performance*


## Longbridge Financial Score™: C
> *Longbridge Financial Score™ — Proprietary multi-factor rating model by Longbridge*
> Updated: 2026-05-21T04:30:19.000Z

**Overall: C (0.46)**

**Industry**: Regional Banks

| Metric | Value |
|--------|-------|
| Industry Ranking | 225 / 329 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Value - Stocks where the company's main business is in a mature stage.
- **Scale**: Small - The company's operation has a high degree of growth and volatility, making it easy to achieve high investment returns.

**Multi Score**: C

#### Style Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 9.52% |  |
| Net Profit YoY | 2.70% |  |
| P/B Ratio | 1.14 |  |
| Dividend Ratio | 0.00% |  |

#### Size Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 375148942.96 |  |
| Revenue | 94412000.00 |  |

#### Multi Score Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 6.20% | C |
| Profit Margin | 20.99% | A |
| Gross Margin | 0.00% | E |
| Revenue YoY | 9.52% | B |
| Net Profit YoY | 2.70% | C |
| Total Assets YoY | 7.35% | B |
| Net Assets YoY | 5.76% | C |
| Cash Flow Margin | 73.09% | C |
| OCF YoY | 9.52% | B |
| Turnover | 0.00 | E |
| Gearing Ratio | 0.00% | A |

```chart-data:radar
{
  "title": "Longbridge Financial Score - Pioneer Bancorp, Inc.",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Style Score",
      "grade": "",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "9.52%",
          "rating": ""
        },
        {
          "name": "Net Profit YoY",
          "value": "2.70%",
          "rating": ""
        },
        {
          "name": "P/B Ratio",
          "value": "1.14",
          "rating": ""
        },
        {
          "name": "Dividend Ratio",
          "value": "0.00%",
          "rating": ""
        }
      ]
    },
    {
      "name": "Size Score",
      "grade": "",
      "indicators": [
        {
          "name": "Market Cap",
          "value": "375148942.96",
          "rating": ""
        },
        {
          "name": "Revenue",
          "value": "94412000.00",
          "rating": ""
        }
      ]
    },
    {
      "name": "Multi Score",
      "grade": "C",
      "indicators": [
        {
          "name": "ROE",
          "value": "6.20%",
          "rating": "C"
        },
        {
          "name": "Profit Margin",
          "value": "20.99%",
          "rating": "A"
        },
        {
          "name": "Gross Margin",
          "value": "0.00%",
          "rating": "E"
        },
        {
          "name": "Revenue YoY",
          "value": "9.52%",
          "rating": "B"
        },
        {
          "name": "Net Profit YoY",
          "value": "2.70%",
          "rating": "C"
        },
        {
          "name": "Total Assets YoY",
          "value": "7.35%",
          "rating": "B"
        },
        {
          "name": "Net Assets YoY",
          "value": "5.76%",
          "rating": "C"
        },
        {
          "name": "Cash Flow Margin",
          "value": "73.09%",
          "rating": "C"
        },
        {
          "name": "OCF YoY",
          "value": "9.52%",
          "rating": "B"
        },
        {
          "name": "Turnover",
          "value": "0.00",
          "rating": "E"
        },
        {
          "name": "Gearing Ratio",
          "value": "0.00%",
          "rating": "A"
        }
      ]
    }
  ]
}
```

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 18.93 | 242/329 | 17.43 | 15.73 | 14.20 |
| PB | 1.14 | 152/329 | 1.11 | 1.04 | 1.00 |
| PS (TTM) | 3.97 | 198/329 | 3.84 | 3.58 | 3.50 |
| Dividend Yield | 0.00% | - | - | - | - |

## Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 01 | Truist Financial (TFC.US) | C | B | E | A | B | B |
| 02 | Huntington Bancshares (HBAN.US) | C | B | E | A | B | B |
| 03 | East West Bancorp (EWBC.US) | B | B | E | A | B | B |
| 04 | Pinnacle Financial (PNFP.US) | C | A | E | A | A | B |
| 05 | Wintrust Financial (WTFC.US) | B | B | E | A | B | B |

## References

- [Company Overview — Profile, executives, shareholders, business breakdown](https://longbridge.com/en/quote/PBFS.US/overview.md)
- [Financial Reports — Income, balance sheet, cash flow, dividends](https://longbridge.com/en/quote/PBFS.US/norm.md)
- [Related News](https://longbridge.com/en/quote/PBFS.US/news.md)
- [Filings — Company announcements and regulatory filings](https://longbridge.com/en/quote/PBFS.US/filings.md)

---

> **Disclaimer: This article is for reference only and does not constitute any investment advice.**