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PBFSPBFSFinancial Services · Banks - Regional

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

Last close, 30 Oct 2026
$18
−0.50% on the day

Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 19 of 100 as at 31 Oct 2026 — in the weakest quartile.

Market cap
$436.4M
Ticker Nerd rank
19/ 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
1W
−1.0%
1M
+1.5%
YTD
+33.8%
1Y
+37.5%
From 52W high
−2.8%
From 52W low
+38.5%
$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 31 Oct 2026
19/ 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
93
Volatility
86
Issuance
54
Size
54
Revisions
25
Accruals
18
Growth
16
Value
15
Quality
8

Momentum (93): The shares have been drifting up relative to others.

Quality (8): 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 systematic trader with 15+ 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
$13$14$15$16$17$18$19Jan 26Apr 26Jul 26Oct 26PBFS

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.

PBFS appears in the Radar on the weeks it earns a place.

  • Market Radar, every Monday: the week's biggest rank moves across ~4,600 US stocks, and the reason for each.
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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 30 Oct 2026, Pioneer Bancorp, Inc. (New York) returned +37.5% against +12.4% for the S&P 500, dividends included.

PBFS vs S&P 500, last 12 monthsTotal return, rebased to 100
90100110120130140Jan 26Apr 26Jul 26Oct 26PBFSS&P 500

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
25.9×

Cheaper than 29% of US stocks

Price / sales
4.4×

Cheaper than 26% of US stocks

Price / book
1.3×

Cheaper than 59% of US stocks

EV / EBITDA
—
Growth & margins
Revenue growth (YoY)
17.9%

Higher than 66% of US stocks

Earnings growth (YoY)
−46.0%

Higher than 12% of US stocks

Gross margin
—
Operating margin
18.7%

Higher than 77% of US stocks

Net margin
17.1%

Higher than 80% of US stocks

Returns & dividend
Return on equity
5.2%

Higher than 54% of US stocks

Return on assets
0.8%

Higher than 48% of US stocks

Dividend yield
0.0%

Higher than 1% of US dividend payers

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 $436.4M and an enterprise value of $330.1M.

  • 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: 25.9×.

  • Forward dividend yield: 0.00%, paying out 0% of earnings.

  • Pioneer Bancorp, Inc. (New York) employs 296 people — $345K of revenue per employee.

Statement figures: company filings via Twelve Data, four quarters to 30 June 2026 · market figures as at 31 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
CompanyMarket capTKN rank
PBFSPioneer Bancorp, Inc. (New York)$436.4M19
CBKCommercial Bancgroup, Inc.$450.3M29
PLBCPlumas Bancorp$439.3M99
BMRCBank of Marin Bancorp$460.5M41
CBANColony Bankcorp, Inc.$432.7M78
RBBRBB Bancorp$432.2M83
GBCGeorgia Banking Co., Inc.$429.6M0

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 31 Oct 2026, Pioneer Bancorp, Inc. (New York) ranks 19 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 (93 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 +37.5% over the 12 months to 30 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 · 296 employees · United States · https://www.pioneerny.com