Pioneer Bancorp Inc/NY (PBFS)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$18.54+2.83%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
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.
Finalize and integrate Targeted Lending acquisition to expand commercial lending and equipment finance capabilities nationwide.
Stated as a priority in 2 of last 2 quarters. The acquisition of Targeted Lending was completed in 2026-Q2, contributing to a $224.6 million (13.6%) increase in net loans receivable from $1.65 billion at 2025-Q4 to $1.87 billion at 2026-Q2. Management has consistently emphasized this acquisition as a key growth initiative, and the financials show delivery of the expansion in commercial lending capabilities.
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 62% for the rest of the cohort, n=10246).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“Completed acquisition of Targeted Lending, forming Specialty Financing division to expand commercial lending.”
“Announced acquisition of Targeted Lending to launch national Specialty Financing division.”
Grow Employee Benefits division by acquiring Reiser Consulting Group and Wyndham Benefits to enhance services and product offerings.
Stated as a priority in 2 of last 2 quarters. Management completed acquisitions of Reiser Consulting Group and Wyndham Benefits in 2026-Q2 to expand the Employee Benefits division. While no direct financial metrics are provided for this segment, management highlights these acquisitions as key to diversifying revenue streams and expanding service offerings, indicating progress on this growth priority.
“Completed acquisitions of Reiser Consulting Group and Wyndham Benefits to expand Employee Benefits division.”
“Announced acquisitions of Reiser Consulting Group and Wyndham Benefits to grow Employee Benefits services.”
Establish College Advising Division through acquisition of The College Advisor of New York to provide personalized college search and admissions support.
Newly stated in 2026-Q2. Management completed the acquisition of The College Advisor of New York in July 2026 to launch a new College Advising Division. This is a recent strategic expansion to diversify services, with no direct financial impact reported yet, reflecting an early stage of this growth initiative.
“Completed acquisition of The College Advisor of New York to launch College Advising Division.”
Sustain financial strength by growing net loans receivable and deposits while improving net interest income and margin.
Stated as a priority in 2 of last 2 quarters. Net loans receivable grew 13.6% from $1.65 billion at 2025-Q4 to $1.87 billion at 2026-Q2, and deposits increased 13.2% from $1.74 billion to $1.97 billion over the same period. Net interest income rose 16.5% year over year to $22.9 million in 2026-Q2. These financial metrics demonstrate delivery on management's focus on strong financial performance with loan and deposit growth.
“Net loans receivable up 13.6% and deposits up 13.2% from December 31, 2025; net interest income increased 16.5% year over year.”
“Net loans receivable up 3.3% and deposits up 6.5% from December 31, 2025; net interest income increased 8.7% year over year.”
Enhance Board of Directors by appointing experienced banking professionals to support strategic governance.
Newly stated in 2026-Q3. Management appointed Michael T. Keegan to the Board of Directors in July 2026 to strengthen governance with experienced banking leadership. This is a recent talent priority with no direct financial metrics reported yet.
“Appointed Michael T. Keegan to Board of Directors for his extensive banking experience.”
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 61% for the rest of the cohort, n=6844).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, long-term interest 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 56% of the time over the next year (vs 57% for the rest of the cohort, n=2725).
Not investment advice. As of 2026-09-04.