Pioneer Bancorp Inc/NY (PBFS)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$18.23-3.01%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
QuarterlyIQ Insights · PBFS
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
During the quarter, we experienced positive momentum across our company, highlighted by growth in net interest income and margin, driven by continued loan portfolio expansion, growth in our diversifi…
Stated in 1 of 1 supplied quarters. Management reported: “During the quarter, we experienced positive momentum across our company, highlighted by growth in net interest income and margin, driven by continued loan portfolio expansion, growth in our diversified deposit base, and prudent management of funding costs.” “Net charge-offs were $1.1 million and $2.6 million for the three and nine months ended September 30, 2026, respectively, compared to $4,000 and $89,000 for the three and nine months ended September 30, 2025, respectively.”
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 55% of the time over the next year (vs 61% for the rest of the cohort, n=10284).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“During the quarter, we experienced positive momentum across our company, highlighted by growth in net interest income and margin, driven by continued loan portfolio expansion, growth in our diversifi…”
Looking ahead, we remain focused on delivering long-term value for our stockholders, serving our clients, supporting our communities, and advancing our ‘More Than a Bank’ strategy.
Stated in 1 of 1 supplied quarters. Management reported: “Looking ahead, we remain focused on delivering long-term value for our stockholders, serving our clients, supporting our communities, and advancing our ‘More Than a Bank’ strategy.” “Recent Developments Resolution of Pending Litigation In October 2026, Pioneer and its subsidiary, Pioneer Bank, National Association (“Pioneer Bank”), reached agreements in principle with Southwestern Payroll Services, Inc. (“Southwestern”), Granite Solutions Groupe, Inc. (“Granite Solutions”) and National Payment Corp. (“NatPay”) to resolve all claims asserted by Southwestern, Granite Solutions and NatPay against Pioneer and Pioneer Bank in the litigation pending in the United States District Court for the Northern District of New York.”
“Looking ahead, we remain focused on delivering long-term value for our stockholders, serving our clients, supporting our communities, and advancing our ‘More Than a Bank’ strategy.”
Mr. Amell added, “We are extremely pleased to have reached agreements to resolve the Southwestern Payroll, Granite Solutions and NatPay matters, and we look forward to finalizing them.
Stated in 1 of 1 supplied quarters. Management reported: “Mr. Amell added, “We are extremely pleased to have reached agreements to resolve the Southwestern Payroll, Granite Solutions and NatPay matters, and we look forward to finalizing them.” “These statements are based on the current expectations of our management, and it is important to note that our actual results could be materially different from those projected in such forward-looking statements.”
“Mr. Amell added, “We are extremely pleased to have reached agreements to resolve the Southwestern Payroll, Granite Solutions and NatPay matters, and we look forward to finalizing them.”
Pioneer repurchased 231,609 shares of its common stock during the three months ended June 30, 2026 at an average price of $14.84 per share under this stock repurchase program.
Stated in a supplied disclosure. Management reported: “ 4 Stock Repurchase On December 17, 2025, Pioneer announced the adoption of a stock repurchase program for up to 5% of its outstanding common stock, or 1,254,027 shares of its common stock.” “Pioneer repurchased 231,609 shares of its common stock during the three months ended June 30, 2026 at an average price of $14.84 per share under this stock repurchase program.”
Integrate acquired businesses, including Targeted Lending, the employee benefits firms and The College Advisor of New York, and pursue their expected benefits.
Over the trailing year it converted 0.43x of net income into operating cash flow. Historically, Financials names rated fragile grew net income 52% of the time over the next year (vs 60% for the rest of the cohort, n=6873).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, long-term interest rates, real (inflation-adjusted) rates, Fed net liquidity (low R² over the window).
6 material management or governance events in the past 24 months, led by M&A activity. Historically, Financials names rated stable grew net income 58% of the time over the next year (vs 59% for the rest of the cohort, n=7436).
Not investment advice. As of 2026-11-05.