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Stock Screener·US·Financial Services·PBFS
Held by 1 Guru
Share

Pioneer Bancorp, Inc. Stocks

$ 17.74Last Updated 24.07.2026

Issuer Rating

3/7
Performance

Modest

Risk

High

Recommendation

Sell

Market Cap

$ 435.33M

$ 17.74
Key Takeaways

Risk factor

Critical default risk

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Profitability factor

Very low or no dividends

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Risks

  • Default risk
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  • Volatility
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  • Selling difficulty
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  • Stress test
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About

Pioneer Bancorp, Inc., founded in 1889 and based in Albany, New York, serves as the holding company for Pioneer Savings Bank. It offers a wide spectrum of financial products and services throughout New York. The company's banking services include various deposit options such as checking, savings, and money market accounts, as well as certificates of deposit. Its lending portfolio spans commercial real estate, commercial and industrial financing, commercial construction, residential mortgages for one-to-four family homes, home equity loans, home equity lines of credit, and consumer loans. Beyond traditional banking, Pioneer Bancorp allocates capital to U.S. governmental securities, fixed-rate collateralized mortgage obligations, mortgage-backed securities, investment-grade bonds with fixed rates, and equity securities. The organization also extends its offerings to include insurance products, providing coverage for homeowners, automobiles, and comprehensive business needs. Additionally, it delivers employee benefit solutions, encompassing group health, dental, disability, and life insurance, alongside administrative services for defined contribution and benefit plans, and human resource management. Wealth management services are also available, comprising investment guidance, retirement income and estate planning, business succession strategies, and employer retirement program development. With a network of 22 retail banking branches, the company serves clients across Albany, Greene, Rensselaer, Saratoga, Schenectady, and Warren Counties in New York. Pioneer Bancorp, Inc. operates as a subsidiary of Pioneer Bancorp, MHC.

Company Valuation

Overvalued
2/7

Based on key historical and expected multiples, the stock is overvalued relative to its peers. In particular, the stock is overpriced on P/E, of fair value on EV/EBITDA,

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Risks

  • Default risk
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  • Volatility
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  • Selling difficulty
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  • Stress test
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  • Country risks
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  • Other risks
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