Pioneer Bancorp stock
PBFSNASDAQPioneer Bancorp, Inc., Financial ServicesISIN US7235611065
60Score 60 out of 100, Neutral
Price and trend
85 / 100
Price history
+36% in one yearThe chart shows daily closes over 7 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 12% above it.
Since June 2025 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 49).
The price is 3.5% below its 52-week high. Largest decline in 7 years: 48% (December 2019 to November 2023).
Chart figures for advanced users
- SMA 50$17.97
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$16.15
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)49
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDbelow the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$13.02
- The lowest closing price of the last twelve months.
- Resistance$18.80
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Pioneer Bancorp, Inc. belongs to the Banks (Regional) industry (United States) and, with a market value of $451M, is number 380 of 422 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $73.96M (down 3.8% year on year) and earnings of $19.2M (up 25.8%).
- MEQIRI Score 60 out of 100 (Neutral): rank 729 of 976 in Financial Services, median 68.
Show more
- The P/E is 35.1 (Banks (Regional) median 12.2, own median of recent years 16.6).
- Our model puts fair value at $4.91, with the price 273% above it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Earnings per share growingUp 29.3% a year since 2020.Growth 78
- Consistently profitableProfit in all 9 fiscal years from 2017 to 2025.Fundamentals 67
Weaknesses
- Above fair valuePrice 273% above the fair value of $4.91.Valuation 16
- Richly valuedP/E 35.1, Banks (Regional) median 12.2, own median 16.6.Valuation 16
- Margin may fall backOperating margin 44.4%, average of the prior years 23.6%, which ranged from 4.6% to 35%. After peaks like this, the margin was more than a quarter lower two years later in 44 of 100 cases, against 24 of 100 for other companies with high margins.Profitability 25
Its standout strengths are stability and technical analysis, while capital allocation and valuation hold the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
The fundamentals are in the middle range.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk low
How well MEQIRI warnsOne of the 30% with the lowest crash risk among smaller stocks.
From 2016 to 2025, 14 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What lowers it
- calm price action
- price near its 52-week high
Valuation
Valuation signal
Significantly overvaluedClosing price of 11 Nov 2026, used by the daily score.
In our model the price counts as cheap below $4.10 and expensive above $6.14 (uncertainty low, based on the price swings of the past year).
The two parts of the fair value come to $3.50 (excess return model) and $6.33 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is above both.
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $4.62, at 7.8% it would be $5.35.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (12.2).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the quarter to 30 Sep 2026, revenue rose 21.3% on the same quarter a year earlier. Revenue has grown solidly since 2017, at about 6% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 44%, net 26%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out. Last 12 months: net 12%.
Debt & balance sheet
Fiscal 2025For banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 29 Jan 2027in 78 days
- Last reported
- 6 Nov 2026EPS reported $0.00
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases or sales in the last 6 months.
- Tomczak JesseSale
12 Dec 2025, EVP and CBO
- Shares
- 5,395
- Price
- $14.69
- Value
- $79,244
Partial trades from one filing are shown in one row, with the average price.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Pioneer Bancorp
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 60
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Banks (Regional)
The next larger and next smaller companies by market value
- First BankFRBA $488.4M72
- Home BancorpHBCP $480.52M65
- Djurslands BankDJUR.CO $465.59M82
- Bank of Marin BancorpBMRC $462.48M57
- Commercial BancgroupCBK $451.61M72
- Glarner KantonalbankGLKBN.SW $444.1M47
- RBB BancorpRBB $439.82M62
- Plumas BancorpPLBC $435.47M80
ETFs that hold Pioneer Bancorp
Held by 2 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.01% | 0.30% | €2.17B |
| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.00% | 0.30% | €4.22B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 30 Jun 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 30 Nov 2022)
- Valuation signal Overvalued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.