PBFSFinancial Services · Banks - RegionalTicker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 19 of 100 as at 12 Sept 2026 — in the weakest quartile.
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.
Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested
Volatility (95): The share price has been relatively steady.
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.
The bullish and bearish analyst opinions on PBFS, reported as data — targets and ratings, the market's view beside the model's.
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.
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.
Both lines are total return — dividends reinvested — so the comparison is honest on both sides.
Over the twelve months to 11 Sept 2026, Pioneer Bancorp, Inc. (New York) returned +35.1% against +17.5% for the S&P 500, dividends included.
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Data provided by Twelve Data
Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.
A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.
Cheaper than 29% of US stocks
Cheaper than 28% of US stocks
Cheaper than 62% of US stocks
Higher than 67% of US stocks
Higher than 11% of US stocks
Higher than 77% of US stocks
Higher than 80% of US stocks
Higher than 54% of US stocks
Higher than 48% of US stocks
Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.
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 $436.7M and an enterprise value of $328.7M.
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.
Trailing P/E: 25.8×.
Pioneer Bancorp, Inc. (New York) employs 298 people — $342K of revenue per employee.
Data provided by Twelve Data
The nearest names by industry and size, scored by the same model — like for like.
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 →
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.
As at 12 Sept 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 Volatility (95 of 100).
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.
Pioneer Bancorp, Inc. (New York) returned +35.1% over the 12 months to 11 Sept 2026, with dividends reinvested. Past performance does not indicate future returns.
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 most recent item we track (Zacks Investment Research, 18 Aug 2026): "Pioneer Bancorp Q2 Earnings Fall Y/Y as Expenses Offset Income Growth". Pioneer Bancorp's second-quarter earnings declined year over year, as litigation, acquisition, and staffing costs outweighed growth in net interest income and loans.
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
