PBFSFinancial Services · Banks - Regional

PBFS Stock Forecast: Pioneer Bancorp, Inc. (New York) Price Predictions for 2026-2027

Last close, 8 Oct 2026

$18

+1.67% on the day

Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 20 of 100 as at 8 Oct 2026 — in the weakest quartile.

Market cap

$424.0M

Ticker Nerd rank

20 / 100

Median analyst target

—

Analysts covering

—

Revenue$28.3M+16.0% y/y

Net income$3.5M

Free cash flow$14.2M

Quarterly, 8 quarters to 30 June 2026 · latest quarter's figure shown

Total return, dividends reinvested

−1.3%

−3.6%

YTD

+30.7%

+34.3%

From 52W high

−5.0%

From 52W low

+35.4%

$13

$19

52-week range, adjusted closes · the dot is the last close

Ticker Nerd rank

PBFS stock analysis: one number for the whole business

Consensus tells you what everyone already believes. The model scores Pioneer Bancorp, Inc. (New York) on its factor families — the same systematic rank behind the Ticker Nerd portfolio.

Where the model ranks itAs at 8 Oct 2026

20 / 100

Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested

Momentum

Volatility

Size

Issuance

Revisions

Accruals

Growth

Value

Quality

Momentum (92): The shares have been drifting up relative to others.

Quality (9): Profits are thin or unreliable for the size of the business, or they are not turning into cash.

Built and run by Aslam Ghouse, an ex-Goldman Sachs quant trader with fourteen years in markets.

Wall Street

PBFS stock forecast 2026-2027: analyst price targets & predictions

The bullish and bearish analyst opinions on PBFS, reported as data — targets and ratings, the market's view beside the model's.

Share price and the analyst range, 12 monthsAdjusted close, US dollars

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Data provided by Twelve Data

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Market Radar

This page is one stock. Monday covers all of them.

Computed off the Friday close and sent before the US open.

Market Radar reports the week’s largest rank changes across roughly 4,600 US stocks, the factor behind each one, and where the market went. PBFS appears on the weeks it earns a place.

Performance

PBFS vs the S&P 500

Both lines are total return — dividends reinvested — so the comparison is honest on both sides.

Over the twelve months to 8 Oct 2026, Pioneer Bancorp, Inc. (New York) returned +34.3% against +16.2% for the S&P 500, dividends included.

PBFS vs S&P 500, last 12 monthsTotal return, rebased to 100

Download this chart as an image — free to reuse; link this page as the source.

Data provided by Twelve Data

Estimates

PBFS analyst estimate revisions

Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.

Fundamentals

Pioneer Bancorp, Inc. (New York) (PBFS) financial data

A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.

Valuation

Trailing P/E: 25.1×
Price / sales: 4.3×
Price / book: 1.3×
EV / EBITDA: —

Growth & margins

Revenue growth (YoY): 17.9%
Earnings growth (YoY): −46.0%
Gross margin: —
Operating margin: 18.7%
Net margin: 17.1%

Returns & dividend

Return on equity: 5.2%
Return on assets: 0.8%
Dividend yield: 0.0%

Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.

Key statistics

Pioneer Bancorp, Inc. (New York) (PBFS) statistics: revenue, profit & scale

The headline figures, each with its date. Every row carries its own link — cite it straight from here.

Pioneer Bancorp, Inc. (New York) has a market value of $424.0M and an enterprise value of $316.0M.
Revenue in the twelve months to 30 June 2026: $102.0M. The latest quarter grew 17.9% year on year.
Net income over the same four quarters: $16.8M, a 16.5% net margin.
Free cash flow in the twelve months to 30 June 2026: $22.6M.
Pioneer Bancorp, Inc. (New York) spent $9.9M on share buybacks in the twelve months to 30 June 2026.
Shares outstanding: 24.2M.
Trailing P/E: 25.1×.
Forward dividend yield: 0.00%, paying out 0% of earnings.
Pioneer Bancorp, Inc. (New York) employs 298 people — $342K of revenue per employee.

Statement figures: company filings via Twelve Data, four quarters to 30 June 2026 · market figures as at 7 Oct 2026

Data provided by Twelve Data

Peers

PBFS vs competitors

The nearest names by industry and size, scored by the same model — like for like.

Its peer group, ranked by the same modelBanks - Regional

Company	Market cap	TKN rank
PBFSPioneer Bancorp, Inc. (New York)	$424.0M	20
RBBRBB Bancorp	$437.8M	88
BMRCBank of Marin Bancorp	$439.5M	26
AVBCAvidia Bancorp, Inc.	$442.1M	40
CBANColony Bankcorp, Inc.	$432.1M	58
CBKCommercial Bancgroup, Inc.	$431.9M	29
FRBAFirst Bank (Hamilton, New Jersey)	$444.9M	74

Look up any of the roughly 4,600 stocks we score.

The rank is the raw material. Whether the rules would actually own Pioneer Bancorp, Inc. (New York) — and when they’d sell — is the membership. See the Ticker Nerd 20 →

News

Latest PBFS news & analysis

BY vs. PBFS: Which Bank Stock Carries Lower Debt Burden?

Zacks Investment Research · 2 Oct 2026positive

A Zacks Investment Research comparison of Pioneer Bancorp (PBFS) and Byline Bancorp (BY) highlights that PBFS enters the second half of 2026 with effectively zero debt, whereas BY carries a 31.7% debt-to-capitalization ratio and higher borrowing costs.

Why it matters — The comparison positions PBFS favorably on balance-sheet strength, which is relevant for investors assessing the bank's financial risk profile.

Pioneer Bancorp Q2 Earnings Fall Y/Y as Expenses Offset Income Growth

Zacks Investment Research · 18 Aug 2026negative

Pioneer Bancorp's second-quarter earnings declined year over year, as litigation, acquisition, and staffing costs outweighed growth in net interest income and loans.

Why it matters — PBFS watchers would care because higher expenses offset the bank's income and loan growth, pressuring its quarterly profitability.

FAQ

Frequently asked questions about PBFS stock

How does Ticker Nerd's model rank PBFS?

As at 8 Oct 2026, Pioneer Bancorp, Inc. (New York) ranks 20 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Momentum (92 of 100).

What is the PBFS stock forecast for 2030?

No analyst covering Pioneer Bancorp, Inc. (New York) publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for PBFS are extrapolating price history, which says nothing about the business.

How has PBFS stock performed over the past year?

Pioneer Bancorp, Inc. (New York) returned +34.3% over the 12 months to 8 Oct 2026, with dividends reinvested. Past performance does not indicate future returns.

What does Pioneer Bancorp, Inc. (New York) do?

Pioneer Bancorp Inc. is a bank holding company that provides a broad range of financial services through its banking subsidiary, Pioneer Bank, National Association.

What is the latest news on PBFS?

The most recent item we track (Zacks Investment Research, 2 Oct 2026): "BY vs. PBFS: Which Bank Stock Carries Lower Debt Burden?". A Zacks Investment Research comparison of Pioneer Bancorp (PBFS) and Byline Bancorp (BY) highlights that PBFS enters the second half of 2026 with effectively zero debt, whereas BY carries a 31.7% debt-to-capitalization ratio and higher borrowing costs.

Company

About Pioneer Bancorp, Inc. (New York).

Pioneer Bancorp Inc. is a bank holding company that provides a broad range of financial services through its banking subsidiary, Pioneer Bank, National Association. The company serves individuals, businesses, and municipalities across New York’s Capital Region, offering deposit products, commercial and residential lending, home equity loans and lines of credit, and related banking solutions. Its business also includes specialized services such as wealth management, insurance, employee benefits consulting, and government banking. Pioneer Bancorp Inc. operates through multiple service areas that support everyday consumer banking as well as commercial financing and community-focused financial needs. With a network of branch locations in the region, the company plays a significant role in local financial intermediation by connecting depositors, borrowers, and small to mid-sized organizations with relationship-based banking services.

CEO Mr. Thomas L. Amell · 298 employees · United States · https://www.pioneerny.com