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PBFSPioneer Bancorp, Inc.Sell4.8·$17.29+0.12%
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Pioneer Bancorp, Inc. (PBFS) Stock Analysis

SellModerate Confidence

Financial Services · Banks - Regional

Sell if holding. Multiple concerning factors at $17.29: Weak overall score: 4.8/10; Weak growth.

Pioneer Bancorp, Inc. operates as a holding company for Pioneer Bank, National Association that provides various banking products and services in New York. It accepts various deposit accounts, such as demand, savings, and money market accounts, as well as certificates of deposit... Read more

$17.29+10.1% A.UpsideScore 4.8/10#217 of 225 Banks - Regional
QualityF-score4 / 9FCF yield
Stop $16.08Target $19.03(resistance)A.R:R 0.0:1

Sell if holding. Multiple concerning factors at $17.29: Weak overall score: 4.8/10; Weak growth. Chart setup: No clear chart pattern; technical signals are mixed. Score 4.8/10, moderate confidence.

Passes 7/9 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity no date, semi cycle peak clear, materials cycle peak clear). Suitability: aggressive.

Thesis

Rewards
No bull case signals
Risks
Weak overall score: 4.8/10
Weak growth

Key Metrics

P/E (TTM)21.3
P/E (Fwd)
Mkt Cap$422M
EV/EBITDA
Profit Mgn21.0%
ROE6.2%
Rev Growth8.3%
Beta0.40
DividendNone
Rating analysts

Quality Signals

Piotroski F4/9

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

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Methodology · Editorial policy & full disclaimer

Rating Breakdown

2 floor-breakers

Ranks in the bottom of its industry peers on the composite signal. Better names in the same sector exist.static

Quality Rank
1.0
Value Rank
2.0
Growth Rank
2.9

Growth below the gate floor. Component breakdown shows what dragged the score down.static

Earnings Growth
1.1
Revenue Growth
4.6
GatesMomentum 5.5<5.5 (soft — BUY_NOW allowed but watch)A.R:R UPSIDE_EXHAUSTED (upside=0.0%)Momentum 5.5>=4.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY NO DATESEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARSuitability: Aggressive
RSI
60 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $15.91Resistance $19.42

Price Targets

$16
$19
A.Upside+10.1%
A.R:R0.0:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Analyst Consensus

Analysts0
Consensus
Avg Target

Earnings

We could not retrieve earnings history for PBFS.
The company may be recently listed, pre-revenue, or its beat/miss record wasn't available from our source this run. Earnings signals feed the Growth and Catalyst score dimensions — absence here doesn't affect other dimensions.

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is PBFS stock a buy right now?

Sell if holding. Multiple concerning factors at $17.29: Weak overall score: 4.8/10; Weak growth. Chart setup: No clear chart pattern; technical signals are mixed. Prior stop was $16.08. Score 4.8/10, moderate confidence.

What is the PBFS stock price target?

Take-profit target: $19.03 (+10.1% upside). Prior stop was $16.08. Stop-loss: $16.08.

What are the risks of investing in PBFS?

Weak overall score: 4.8/10; Weak growth.

Is PBFS overvalued or undervalued?

Pioneer Bancorp, Inc. trades at a P/E of 21.3 (forward N/A). TrendMatrix value score: 6.7/10. Verdict: Sell.

0
What does Pioneer Bancorp, Inc. do?Pioneer Bancorp, Inc. operates as a holding company for Pioneer Bank, National Association that provides various...

Pioneer Bancorp, Inc. operates as a holding company for Pioneer Bank, National Association that provides various banking products and services in New York. It accepts various deposit accounts, such as demand, savings, and money market accounts, as well as certificates of deposit accounts. The company's loan products include commercial real estate, commercial and industrial, commercial construction, residential mortgage, consumer loans, home equity loans, and lines of credit. It also invests in securities, including U.S. treasury securities, fixed-rate mortgage-backed securities and collateralized mortgage obligations, fixed-rate investment grade bonds, and corporate debt securities. In addition, the company offers personal and commercial insurance products, including homeowners, automobile, and comprehensive business insurance; employee benefit products and consulting services, such as group health, dental, disability, and life insurance products; defined contribution and benefit administration, and human resource management services; and wealth management services comprising investment advice, retirement income planning, estate planning, business succession, and employer retirement planning. Pioneer Bancorp, Inc. was founded in 1889 and is based in Albany, New York. Pioneer Bancorp, Inc. operates as a subsidiary of Pioneer Bancorp MHC.

Related stocks: NBN (Northeast Bank) · BWFG (Bankwell Financial Group, Inc.) · NPB (Northpointe Bancshares, Inc.) · CUBI (Customers Bancorp, Inc) · COFS (ChoiceOne Financial Services, I)
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