Pioneer Bancorp Inc/NY (PBFS)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$18.80+3.47%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · PBFS
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 47.2% |
| Our one-year growth estimate | diamond | 13.7% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 33.5 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of —
PBFS — CEO transition
Dated 2025-12-22
The filing describes a new compensatory incentive plan for executives.
Why it matters: Net interest margin was 4.26% in Q3, up from 4.16% a year earlier. A further rise would show that loan income still covers deposit costs.
Supportive ifQ4 net interest margin is above 4.16%, the year-earlier Q4 level.
Worry ifQ4 net interest margin is 4.16% or lower.
Why it matters: Pioneer bought equipment finance, benefits, and advice businesses to widen its services. Fee growth would show these deals are adding revenue beyond loans.
Supportive ifQuarterly fee income tops Q3's $5.5 million. Reports cite growth from acquired businesses.
Worry ifQuarterly fee income is $5.5 million or less, or reports show no growth from acquired businesses.
Why it matters: Third-quarter net income fell to $85,000 from $4.3 million a year earlier. The release tied results to a $6.2 million legal charge.
Watch forQ4 net income is above $4.3 million, the year-earlier quarter's result, with no new large legal charge.
Also watch forQ4 net income is below $4.3 million, or another large legal charge is reported.
Why it matters: The October agreements still need signed settlements and court dismissals. Final closure would remove this source of legal uncertainty.
Supportive ifSigned settlement agreements are filed. The court dismisses all three cases with prejudice.
Worry ifA settlement is not signed, a dismissal is not filed, or a party disputes the terms.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$65 on $10,000 · ±0.7% | How much price usually moves either way. |
| Bad day | $211 loss on $10,000 · 2.1% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,040 loss on $10,000 · 10.4% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: New equipment loans helped drive growth, but acquired loans also added charge-offs. A higher loss rate would weaken the case for this lending expansion.
Worry ifQuarterly net charge-offs rise above 0.23% of average loans. This is the Q3 annualized rate.
Less concerning ifQuarterly net charge-offs fall below 0.23% of average loans. Losses from acquired loans also fall.