No connection

Search Results

PBFS

NEUTRAL
$14.1 Live
Pioneer Bancorp, Inc. · NASDAQ
$10.86 52W Range $15.18
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 17, 2026
Market cap
$344.25M
P/E
16.99
ROE
6.5%
Profit margin
21.9%
Debt/Equity
N/A
Dividend yield
N/A

AI Analysis

AI-powered fundamental assessment

Confidence
80%
PBFS presents a valuation paradox: it trades below both its Graham Number ($15.74) and Intrinsic Value ($24.48), yet exhibits significant fundamental weakness. The Piotroski F-Score of 3/9 indicates a 'Weak' health status, suggesting deteriorating financial quality despite strong YoY revenue (15.7%) and earnings (16.8%) growth. Bearish insider sentiment and a 0/100 technical trend further dampen the outlook, offsetting the attractive Price-to-Book ratio of 1.06.

Key Strengths

Trading below Graham Number ($15.74) and Intrinsic Value ($24.48)
Strong YoY Revenue growth of 15.70%
Strong YoY Earnings growth of 16.80%
Attractive Price-to-Book ratio of 1.06
Positive 1-year price performance (+26.3%)

Key Risks

Weak Piotroski F-Score (3/9) indicating poor financial health trends
Bearish insider activity with net selling
Technical trend is currently 0/100 (Bearish)
Low ROE (6.46%) and ROA (0.98%) compared to high-performing regional peers
Lack of dividend yield providing no income floor for investors
AI Fair Value Estimate
Based on comprehensive analysis
$15.2
+7.8% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
47
Moderate
Value
85
Future
70
Past
60
Health
20
Dividend
0
AI Verdict
Undervalued but fundamentally fragile
Key drivers: Low P/B ratio, Weak Piotroski F-Score, Strong growth metrics, Bearish technicals
Confidence
85%
Value
85/100

Ref P/E, PEG, Graham Number

Positives
  • Price $14.10 is below Graham Number $15.74
  • P/B of 1.06 is very conservative
Watchpoints
  • P/E of 16.99 is moderate
Future
70/100

Ref Growth rates

Positives
  • Double-digit YoY revenue and earnings growth
Watchpoints
  • Lack of analyst coverage to validate growth trajectory
Past
60/100

Ref Historical trends

Positives
  • Strong 1Y (+26.3%) and 3Y (+56.3%) returns
Watchpoints
  • Recent 1W decline and 0/100 technical trend
Health
20/100

Ref Altman Z-Score, Piotroski F-Score

Positives
  • Positive profit margins
Watchpoints
  • Piotroski F-Score of 3/9 is in the 'Weak' category
Dividend
0/100

Ref Yield, Payout

Positives
No standout positives identified.
Watchpoints
  • No dividend yield
  • 0% payout ratio

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$14.1

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for PBFS and closest competitors.

Updated 2026-04-16
PBF
Pioneer Bancorp, Inc.
Primary
5Y
+20.8%
3Y
+56.3%
1Y
+26.3%
6M
+8.4%
1M
+3.1%
1W
-2.0%
BGT
BlackRock Floating Rate Income Trust
Peer
5Y
+50.6%
3Y
+43.0%
1Y
+2.8%
6M
-2.7%
1M
+2.7%
1W
+1.0%
AVB
Avidia Bancorp, Inc.
Peer
5Y
+17.7%
3Y
+17.7%
1Y
+17.7%
6M
+17.7%
1M
-0.1%
1W
-0.6%
NEC
Northeast Community Bancorp, Inc.
Peer
5Y
+138.0%
3Y
+108.5%
1Y
+22.3%
6M
+23.1%
1M
+7.9%
1W
+1.9%
FRS
Primis Financial Corp.
Peer
5Y
+8.4%
3Y
+62.6%
1Y
+66.1%
6M
+36.4%
1M
+8.3%
1W
+5.0%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
16.99
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
1.06
P/S Ratio
3.72
EV/Revenue
2.85
EV/EBITDA
N/A
Market Cap
$344.25M

Profitability

Profit margins and return metrics

Profit Margin 21.91%
Operating Margin 30.87%
Gross Margin N/A
ROE 6.46%
ROA 0.98%

Growth

Revenue and earnings growth rates

Revenue Growth +15.7%
Earnings Growth +16.8%
Q/Q Revenue Growth +13.78%
Q/Q Earnings Growth +13.7%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$5.51

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.0B
Net Margin
14.9%
Total Assets
$2.2B
Liabilities
$1.8B
Equity
$0.3B
Debt/Equity
5.64x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
96%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-30
$N/A

Financial Services Sector Comparison

Comparing PBFS against 525 companies in the Financial Services sector (96 bullish, 216 neutral, 213 bearish)
P/E Ratio
16.99
This Stock
vs
43.93
Sector Avg
-61.3% (Discount)
Return on Equity (ROE)
6.46%
This Stock
vs
0.14%
Sector Avg
+4423.3% (Excellent)
Profit Margin
21.91%
This Stock
vs
46.8%
Sector Avg
-53.2% (Weaker)
Revenue Growth
15.7%
This Stock
vs
40.4%
Sector Avg
-61.1% (Slower)

Similar Companies

Peer comparison within the same industry

PBFS Pioneer Bancorp, Inc.
NEUTRAL
Mkt Cap
$344M
P/E
17.0
ROE
6.5%
Price
$14.1
BGT BlackRock...
BEARISH
Mkt Cap
$344M
P/E
13.3
ROE
6.8%
Price
$11.55
 Compare with PBFS
AVBC Avidia Bancorp, Inc.
BEARISH
Mkt Cap
$346M
P/E
-
ROE
-%
Price
$17.23
 Compare with PBFS
NECB Northeast...
BULLISH
Mkt Cap
$346M
P/E
7.7
ROE
13.3%
Price
$25.01
 Compare with PBFS
FRST Primis Financial Corp.
NEUTRAL
Mkt Cap
$347M
P/E
5.6
ROE
14.7%
Price
$14.03
 Compare with PBFS

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

TOMCZAK JESSE
Officer
Sell
2025-12-12
5,395 shares · $79,244
RATSEP THOMAS E
Officer
Stock Award
2025-12-11
20,000 shares
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

DEF 14A
DEF 14A
2026-04-07

PBFS filed a definitive proxy statement on April 7, 2026, providing shareholders with necessary information and voting materials for the company's annual meeting.

10-K
10-K
2026-03-12

PBFS filed its 10-K annual report on March 12, 2026, which includes sections on business operations, management's discussion and analysis, and risk factors. Specific financial highlights and risk details were not provided in the available excerpts.

8-K
8-K
2026-01-30

Pitney Bowes Inc. filed an 8-K likely announcing its fourth quarter and full-year financial results for 2025.

8-K
PIONEER BANCORP, INC. FORM 8-K DECEMBER 16, 2025
2025-12-22
8-K
PIONEER BANCORP, INC. FORM 8-K DECEMBER 17, 2025
2025-12-17
8-K
PIONEER BANCORP, INC. FORM 8-K DECEMBER 11, 2025
2025-12-11
10-Q
10-Q
2025-11-07

People's Bank Financial Services (PBFS) filed its 10-Q quarterly report on November 7, 2025. Due to the absence of provided excerpts, specific financial highlights and risk factors cannot be detailed at this time.

8-K
8-K
2025-10-30

Pitney Bowes Inc. filed an 8-K to report its third-quarter financial results for 2025.

10-Q
10-Q
2025-08-08

PBFS filed its quarterly 10-Q report on August 8, 2025. Specific financial highlights and risk factors were not provided in the available metadata.

8-K
PIONEER BANCORP, INC. FORM 8-K AUGUST 5, 2025
2025-08-05

Pioneer Bancorp, Inc. filed an 8-K on August 5, 2025, likely to announce its second-quarter financial results.

8-K
8-K
2025-07-30
8-K
PIONEER BANCORP, INC. FORM 8-K MAY 20, 2025
2025-05-22
10-Q
10-Q
2025-05-09
8-K
8-K
2025-04-30
DEF 14A
DEF 14A
2025-04-11
Data sourced from SEC EDGAR. AI summaries generated automatically.

Past News Coverage

Recent headlines mentioning PBFS from our newsroom.

Newest → oldest
Back to All Stocks
TradingGPT V2 Copilot
Fundamentals • Valuation • Risk
Hi! I'm your fundamentals copilot.

Ask me to:
• Summarize the business quality
• Review valuation and multiples
• Highlight risks and red flags
• Explain growth and margin trends
Features Terminal AI Assistant Analysis Market News Pricing
Start Trading with AI Already have an account? Sign In
Home
Terminal
AI
Markets
Profile