PIONEER BANCORP INC (PBFS)
Financials · regional banking · NASDAQ
A New York-based community bank providing commercial and retail lending, deposit services, and integrated wealth management solutions.
What PIONEER BANCORP INC does
Pioneer Bancorp, Inc. is a community-focused bank headquartered in New York that offers a range of financial services including personal and business banking, lending, and insurance and wealth management. The company operates through a network of branches providing deposit products, residential and commercial loans, and specialized financial advisory services.
Themes: community banking, wealth management, commercial real estate lending, consumer banking
Fundamentals
- Price$17.37 as of 2026-08-21 close
- Market cap$431M as of 2026-08-21
- 1-year return+36.7% 2025-08-21 close $12.70 → 2026-08-21 close $17.37
- P/E21.59 as of 2026-08-24
- Net margin+25.0% as of 2026-08-24
- ROE+6.2% as of 2026-08-24
- Debt / equity0.00 as of 2026-08-24
- Revenue CAGR (3y)+6.1% SEC XBRL
- Beta0.42 as of 2026-08-24
- Last reported earnings2026-07-30 SEC EDGAR Form 8-K (Item 2.02)
How PBFS compares in its sector
- price-to-earnings ratiotop 25% 513 covered Financials peers, as of 2026-08-24
- net profit marginmiddle range 538 covered Financials peers, as of 2026-08-24
- operating marginmiddle range 534 covered Financials peers, as of 2026-08-24
- return on equitybottom 25% 575 covered Financials peers, as of 2026-08-24
- 3-year revenue CAGRmiddle range 347 covered Financials peers
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
How PIONEER BANCORP INC looks technically
PIONEER BANCORP INC (PBFS) is trading 17.0% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 289 trading days ago — a "golden cross", a bullish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 18, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 53, neither overbought (above 70) nor oversold (below 30). It made a new 20-day high about 19 trading days ago.
Trend
8
| Distance from the 200-day | it is trading 17.0% above its 200-day average, the long-term trend line — a longer-term uptrend | +17.0% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $17.18 | $17.18 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $14.84 | $14.84 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing low 16 calendar days ago — the swings before that are what the structure reading is measured on | 16 sessions |
| Wave structure | its recent swings can be read as a completed three-part downward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes below 16.98. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible three-wave downward correction, complete (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 289 trading days ago — a "golden cross", a bullish long-term signal | 289 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 18, below the 25 that marks a real trend) | 18.4 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 53, neither overbought (above 70) nor oversold (below 30) | 53.4 |
|---|---|---|
| Position in its 14-day range | it is trading around the middle of its 14-day range ($16.98 to $17.73) — its "stochastic" reading is 51 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 51.3 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 16 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $19.42 | $19.42 |
|---|---|---|
| From the 52-week high | it is 10.6% below its 52-week high (its highest price of the past year) | -10.6% |
| Above the 52-week low | it is 39.0% above its 52-week low (its lowest price of the past year) | +39.0% |
| Below the 52-week high | it is 10.6% below its highest point of the past year | 10.6% |
| Since a 20-day breakout | it made a new 20-day high about 19 trading days ago | 19 sessions |
| Since a 55-day breakout | it made a new 55-day high about 19 trading days ago | 19 sessions |
| All-time high | its highest closing price on record is $19.42 (set on 2026-06-22) | $19.42 |
| Given back of the 52-week move | over the past year its closes ranged ($12.55 to $18.02), and it has given back only a small part of its rise from last year’s low — 12% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $14.46 to $14.64. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 12.0% |
| From the all-time high | it is 10.6% below its all-time high | -10.6% |
| Nearest price level | it is trading 1.8% below a resistance level at $17.68 — a price it turned at twice since 2026-07-02, most recently on 2026-08-14. Since 2024-08-21 it has 12 such levels below the current price and 1 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +1.8% |
| All-time low | its lowest closing price on record is $7.80 (set on 2023-11-13) | $7.80 |
| Above the all-time low | it is 122.6% above its all-time low | +122.6% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are narrower than usual versus its own recent 6-month history (tighter than about 82% of it) | 18th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.4046 between its high and its low — about 2.3% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.4046 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $16.83 and $17.90 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $16.83 – $17.36 – $17.90 |
| Typical daily range (% of price) | its price moves about 2.3% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.3% |
| Stretch from the 200-day average | it is trading 6.3 daily ranges above its 200-day average price (17.0% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 6.3 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.36× |
|---|
Candlestick patterns
1
| Since a bullish engulfing | 7 sessions ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | 7 sessions ago |
|---|
Price gaps
3
| Gap at the open | it opened on 2026-08-21 0.9% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and had not traded back through that level by the close | +0.9% |
|---|---|---|
| Open gap | it gapped 4.2% above the previous close 27 sessions ago and has not traded back through the level it left behind at 16.78 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | +4.2% |
| Gap filled | a 2.3% gap up opened on 2026-08-18 has been "filled" 1 session ago — price traded back through the level the gap left behind, and it took 2 sessions to close | 1 session ago |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 1.4 percentage points (the stock gained 1.0% while the market gained 2.3%) | -1.4% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 12.9 percentage points (the stock gained 16.0% while the market gained 3.1%) | +12.9% |
| vs market, 6 months | over the past 6 months this stock beat the market by 9.1 percentage points (the stock gained 20.2% while the market gained 11.1%) | +9.1% |
| vs market, 12 months | over the past 12 months this stock beat the market by 16.3 percentage points (the stock gained 36.7% while the market gained 20.5%) | +16.3% |
Signal agreement
2
| Bullish technical signals | 3 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, outperforming the market over 6 months — these describe past price behaviour, not a forecast | 3 of 9 |
|---|---|---|
| Bearish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bearish state: MACD momentum is negative — these describe past price behaviour, not a forecast | 1 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading inside the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the zone traders read as unresolved — neither side has established a trend, and the band is where that gets settled. The band itself is moderate, spanning 4.5% of the share price. | 0.0% |
|---|
Volume-weighted price
1
| Vs this year’s average price paid | the price is 14% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $15.30 — a volume-weighted average of daily closes over 155 sessions, not a true tick-by-tick VWAP. | +13.5% |
|---|
Price levels it has turned at before
PBFS last closed at $17.36 on 2026-08-21. Since 2024-08-21 it has turned at 12 prices below its last close and 1 above; the 3 nearest below and the nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $17.68 | Resistance | 1.8% above the last close | turned there twice · 2026-07-02 to 2026-08-14 |
| $17.01 | Support | 2.0% below the last close | turned there twice · 2026-06-02 to 2026-08-05 |
| $15.09 | Support | 13.1% below the last close | turned there three times · 2025-12-15 to 2026-05-14 |
| $14.64 | Support | 15.7% below the last close | turned there four times · 2026-02-27 to 2026-04-28 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a three-part downward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes below $16.98.
It is the only labelling that fits these swings, though its proportions are not the textbook ones. It was chosen from 3 labellings that survived the rules, counting shorter readings of the same bars.
This labelling was already in place when we began recording count changes on 2026-08-12, so how long it has stood is not something we can say yet.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · trendless / choppy (low ADX) · beating the market · Stretched far above its 200-day average (6+ daily ranges) · Trading inside the Ichimoku cloud | Learn: moving average · golden cross · adx · rsi · breakout
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Key risks (from latest filing)
["Fluctuations in market interest rates and their impact on net interest margins and loan demand.","Concentration of credit risk within local real estate markets and potential for loan delinquencies.","Exposure to regulatory changes, including FDIC insurance premiums and capital requirement adjustments."]
What changed in the latest 10-Q
AI-assisted comparison of PBFS's 10-Q filed 2026-05-11 against the prior one filed 2025-11-07.
Management's Discussion & Analysis (MD&A)
The two filings could not be meaningfully compared for this section.
Risk Factors
- Added:
- Added Trading securities line item with $8,087 thousand at March 31, 2026 (newer filing, 2026-05-11)
- Added line for 'Net gain on equity securities' showing $0 for three months ended March 31, 2026 (newer filing, 2026-05-11)
- Removed:
- Removed line item 'Net gain on securities available for sale transactions' that appeared in older filing (2025-11-07)
- Removed nine-month comparative financial data that was in older filing showing 'For the Nine Months Ended September 30' (2025-11-07)
- Reworded:
- Risk Factors section page number changed from page 60 (2025-11-07) to page 54 (2026-05-11)
- Item 2 – Unregistered Sales of Equity Securities page number changed from page 61 (2025-11-07) to page 54 (2026-05-11)
- Item 3 – Defaults Upon Senior Securities page number changed from page 61 (2025-11-07) to page 54 (2026-05-11)
- Item 4 – Mine Safety Disclosures page number changed from page 61 (2025-11-07) to page 54 (2026-05-11)
- Item 5 – Other Information page number changed from page 61 (2025-11-07) to page 55 (2026-05-11)
- Item 6 – Exhibits page number changed from page 62 (2025-11-07) to page 56 (2026-05-11)
- Consolidated Statements comparison periods changed from 'September 30, 2025 and December 31, 2024' (2025-11-07) to 'March 31, 2026 and December 31, 2025' (2026-05-11)
- Commitments note reference changed from 'Note 8' (2025-11-07) to 'Note 9' (2026-05-11)
- Notes:
- The newer filing presents Q1 2026 results while older filing presents Q3 2025 results, making period-to-period comparison of balance sheet and income statement amounts expected to differ materially
- Financial statements are for different interim periods and therefore direct numerical comparisons between filings are not indicative of changes in company operations
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
No open-market insider purchases or sales recorded in the last 90 days.
Most recent open-market transaction: 2025-12-12. As of 2026-08-25.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about PBFS's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding PBFS as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 865,874
- Reported value $12,052,967
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 2 increased, 3 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
PBFS had 117,956 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
PBFS had 0.47% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 10.59 days to cover at the same settlement.
- Reported short interest (shares) 117,956
- Short interest (% of shares outstanding) 0.47%
- Prior settlement (shares) 113,770
- Reported change 3.68%
- Days to cover (reported) 10.59
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- KeyCorp (KEY)
- M&T Bank Corporation (MTB)
- Community Bank System, Inc. (CBU)
- TrustCo Bank Corp (TRST)
- Berkshire Hills Bancorp, Inc. (BHLB)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does PIONEER BANCORP INC (PBFS) do?
Pioneer Bancorp, Inc. is a community-focused bank headquartered in New York that offers a range of financial services including personal and business banking, lending, and insurance and wealth management. The company operates through a network of branches providing deposit products, residential and commercial loans, and specialized financial advisory services.
What sector is PIONEER BANCORP INC (PBFS) in?
PIONEER BANCORP INC (PBFS) is classified in the Financials sector. Its industry is regional banking. It trades on NASDAQ.
Who are PIONEER BANCORP INC's (PBFS) competitors?
Notable peers of PIONEER BANCORP INC (PBFS) include KeyCorp, M&T Bank Corporation, Community Bank System, Inc., TrustCo Bank Corp and Berkshire Hills Bancorp, Inc.. This peer set is informational only — not financial advice.
Is PIONEER BANCORP INC (PBFS) overbought or oversold right now?
PIONEER BANCORP INC (PBFS) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 53, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on PBFS come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.