Stocktoria
Pioneer Bancorp, Inc./MD PBFS
Pioneer Bancorp, Inc./MD (PBFS) earns a Piotroski F-score of 4/9 (mixed financial health). It does not currently pay a dividend. FY2025 revenue was $15.8M at a 128.3% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| PBFS | Pioneer Bancorp, Inc./MD | 4/9 | — | 20.8 | +5.8% |
| RBKB | Rhinebeck Bancorp, Inc. | 4/9 | — | 19.3 | — |
| BBT | Beacon Financial Corp | 5/9 | — | 29.2 | -92.5% |
| ECBK | ECB Bancorp, Inc. /MD/ | 5/9 | — | 22.1 | — |
| MUFG | MITSUBISHI UFJ FINANCIAL GROUP INC | 4/9 | — | — | +9.5% |
| MFG | MIZUHO FINANCIAL GROUP INC | 4/9 | — | — | +7.6% |
| NMR | NOMURA HOLDINGS INC | 2/9 | — | — | +0.5% |
All Finance, Insurance & Real Estate companies →
About Pioneer Bancorp, Inc./MD
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.
FAQ
Is PBFS financially healthy?
Pioneer Bancorp, Inc./MD's Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does PBFS pay a dividend?
No, Pioneer Bancorp, Inc./MD does not currently pay a dividend.
How profitable is PBFS?
In FY2025, Pioneer Bancorp, Inc./MD had a net margin of 128.3% and a return on equity of 6.3%.
Is PBFS overvalued or undervalued?
Pioneer Bancorp, Inc./MD trades at about 20.9× trailing earnings — below its 10-year norm (10-year range 11.3×–289.2×, median 23.7×). Stocktoria reports the data, not buy/sell advice.
Is PBFS a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Pioneer Bancorp, Inc./MD: a Piotroski F-score of 4/9, a P/E of about 20.8×. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.