Pioneer Bancorp, Inc.
Explore Pioneer Bancorp, Inc. stock price, valuation, financial statements, dividend history, analyst estimates, and long-term business fundamentals on StockSifting.
PBFS — Monthly Price History
Adjusted close price · Hover to see price & month
Pros
- Strong operating margin profile.
- Net margin remains healthy.
- Valuation is not stretched on P/E basis.
Cons
- Return on equity is on the weaker side.
Sift Stocks
| S.No. | Name | Price | P.E. | Market Cap | Div Yld % | ROCE | ROE | 52Week High/ Low | Book Value |
|---|---|---|---|---|---|---|---|---|---|
| 1. | HDFC Bank Limited | $23.41 | 15.28 | $122.02 B | 0.01% | — | 13.6% | $1,020.5 / $726.65 | $4 |
| 2. | ICICI Bank Limited | $25.95 | 16.43 | $93.55 B | 0% | — | 15.75% | $15.75 / $1,187.6 | $5.33 |
| 3. | The PNC Financial Services Group, Inc. | $228.37 | 12.57 | $90.67 B | 2.99% | — | 11.98% | $243.94 / $172.73 | $155.18 |
| 4. | U.S. Bancorp | $55.69 | 10.57 | $82.49 B | 3.94% | — | 12.21% | $61.19 / $42.55 | $41.92 |
| 5. | Truist Financial Corporation | $49.2 | 11.09 | $61.3 B | 4.23% | — | 8.51% | $56.2 / $38.84 | $51.64 |
| 6. | Deutsche Bank Aktiengesellschaft | $31.51 | 7.34 | $60.06 B | 0.03% | — | 9.12% | $34.26 / $23.55 | $47.78 |
| 7. | Fifth Third Bancorp | $52.01 | 21.7 | $47.15 B | 3.09% | — | 8.86% | $55.44 / $37.86 | $32.86 |
Quarterly Results
Figures shown in M / B
| Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q3 2024 | |
|---|---|---|---|---|---|
| Sales | 25.05 M | 24.02 M | 24.41 M | 22.81 M | 22.02 M |
| Operating Profit | — | — | — | — | — |
| Net Profit | 3.74 M | 4.33 M | 6.45 M | 5.76 M | 6.31 M |
| EPS in Rs | 0.15 | 0.18 | 0.26 | 0.24 | 0.26 |
Profit & Loss
Figures shown in M / B
| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Sales | 96.29 M | 76.89 M | 79.69 M | 56.45 M |
| Operating Profit | — | — | — | — |
| Net Profit | 20.29 M | 15.26 M | 21.95 M | 10.28 M |
| EPS in Rs | 0.83 | 0.63 | 0.9 | 0.42 |
Balance Sheet
Figures shown in M / B
| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Total Assets | 2.15 B | 1.9 B | 1.86 B | 1.96 B |
| Total Liabilities | 1.83 B | 1.6 B | 1.59 B | 1.72 B |
| Equity | 323.86 M | 296.53 M | 266.7 M | 242.63 M |
| Current Assets | — | — | — | — |
| Current Liabilities | — | — | — | — |
Cash Flow
Last available yearly cash flow history
| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Operating CF | 11.12 M | 23.85 M | 26.27 M | 49.97 M |
| Investing CF | -125.79 M | -18.05 M | -114.87 M | -148.03 M |
| Financing CF | 151.83 M | 8.91 M | -136.98 M | 149.16 M |
| Free CF | 8.8 M | 23.01 M | 25.82 M | 49.19 M |
| Capex | -2.32 M | -0.84 M | -0.45 M | -0.78 M |
5Y Margin & Growth History
Last 5 years of annual financial statement data.
| 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|
| Revenue Growth % | -3.51% | 41.16% | — | — |
| Earnings Growth % | -30.47% | 113.52% | — | — |
| Profit Margin % | 19.85% | 27.54% | 18.21% | — |
| Operating Margin % | — | — | — | — |
| Gross Margin % | — | — | — | — |
| EBITDA Margin % | — | — | — | — |
Dividend & Split History
Latest dividend payments and stock split events.
Dividend History
No dividend history available.
Stock Splits
No stock split history available.
Frequently Asked Questions — Pioneer Bancorp, Inc.
Will Pioneer Bancorp, Inc. stock hit $19 in 2026?
Pioneer Bancorp, Inc. (PBFS) is currently trading at $16.20, with a 52-week range of $11.24 to $17.04. Reaching the $19 level would represent a 20% gain from the current price — a target many investors consider when evaluating near-term upside potential.
Whether Pioneer Bancorp, Inc. can reach $19 in 2026 depends on several factors: revenue and earnings growth trajectory, broader market conditions, sector sentiment within the Financial Services space, and any company-specific catalysts such as product launches, earnings beats, or strategic announcements.
Historically, PBFS has delivered a 3.8% CAGR over the past 5 years, which suggests the stock has demonstrated meaningful long-term growth momentum. However, past performance does not guarantee future results, and short-term price movements can be influenced by macroeconomic shifts, interest rate changes, and investor sentiment. Use the PBFS Stock Return Calculator on StockSifting to model different growth scenarios and see how various CAGR assumptions translate to potential price targets. This content is for informational purposes only and does not constitute financial advice.
Is Pioneer Bancorp, Inc. stock worth buying at $16.20?
Whether Pioneer Bancorp, Inc. (PBFS) is worth buying at $16.20 depends on your investment goals, time horizon, and risk tolerance. Here is a breakdown of the key metrics investors typically evaluate:
Valuation: Pioneer Bancorp, Inc. trades at a Price-to-Earnings (P/E) ratio of 20.5x, which can be compared against other Financial Services companies to assess whether the stock is expensive or attractively priced relative to its peers.
Profitability & efficiency: Its Return on Equity (ROE) stands at 6.2%.
Financial health: Review the balance sheet section on StockSifting for the latest debt levels, cash reserves, and liquidity ratios.
Analyst view: Analyst estimates are not currently available for PBFS. Always conduct your own due diligence and consider consulting a qualified financial advisor before making any investment decisions. Nothing on StockSifting constitutes financial advice.
What is the analyst price target for Pioneer Bancorp, Inc. (PBFS) in 2026?
Analyst price target data for Pioneer Bancorp, Inc. (PBFS) is not currently available on StockSifting. Analyst coverage and price targets are typically published by brokerage research desks for widely followed stocks, and are updated regularly after earnings results or major corporate events. Check back for the latest estimates, or explore PBFS's financial ratios, historical returns, and fundamental data available on this page to form your own view.
Is Pioneer Bancorp, Inc. overvalued at a P/E ratio of 20.5x?
Pioneer Bancorp, Inc. (PBFS) currently has a Price-to-Earnings (P/E) ratio of 20.5x, meaning investors are paying $20.5 for every $1 of the company's trailing twelve-month earnings. Whether this makes the stock overvalued depends on several contextual factors:
Sector context: The Financial Services sector tends to command higher valuation multiples when growth expectations are elevated. A 20.5x P/E falls within a moderate range, reflecting reasonable market confidence in Pioneer Bancorp, Inc.'s earnings outlook.
Growth-adjusted valuation: A P/E ratio in isolation can be misleading. Fast-growing companies often deserve higher P/E multiples because their future earnings are expected to rise significantly. A more complete picture comes from looking at the PEG ratio (P/E divided by earnings growth rate) — a PEG below 1 is often considered undervalued, while above 2 may signal overvaluation.
Additional metrics to review: P/E is just one lens. Compare it alongside the Price-to-Book (P/B) ratio, EV/EBITDA, Price-to-Sales, and free cash flow yield for a more complete valuation picture. View all of PBFS's valuation ratios on StockSifting's ratios section. Valuation is subjective and context-dependent — this is not investment advice.
What will Pioneer Bancorp, Inc. stock be worth in 2029?
Projecting Pioneer Bancorp, Inc. (PBFS)'s stock price 3 years into the future — to 2029 — requires making assumptions about the company's earnings growth, valuation multiple, and broader market conditions. No projection is guaranteed, but historical growth rates offer a reasonable starting point.
Based on PBFS's historical 5-year Compound Annual Growth Rate (CAGR) of 3.8%, if that rate of growth were to continue, the stock could reach approximately $18 by 2029 — up from its current price of $16.20. This projection assumes the historical CAGR holds, which depends on Pioneer Bancorp, Inc. sustaining its revenue growth, maintaining profit margins, and the market continuing to reward it at a similar valuation multiple.
In reality, stock prices rarely follow a straight-line trajectory. Short-term volatility, earnings misses, sector rotations, interest rate changes, and macroeconomic events can all cause significant deviations from any modeled path. Investors with a 3-year horizon should focus on the fundamental business trajectory — revenue growth, expanding margins, and free cash flow generation — rather than short-term price fluctuations.
You can model different scenarios — conservative, base, and bull case — using the PBFS Return Calculator on StockSifting. Enter any investment amount and CAGR assumption to see projected outcomes over your chosen time horizon. All projections are mathematical estimates only and do not constitute financial advice.