Stocks · Financial Services · Banks - Regional
Pioneer Bancorp, Inc. PBFS
$17.77 -0.45% Close, Oct 2, 2026 · NASDAQ · Market cap $445.6M
Strong trend
Next earnings report: Oct 29, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Operating margin narrowed to 15.9% from 23.5% a year earlier.
- The stock is in an uptrend: above its 200-day average for 323 trading days, with the 50-day average above the 200-day.
- The shares trade at 25.8× trailing earnings, higher than 81% of the company's own readings over the past five years.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 32%
- EPS growth (TTM, YoY)Bottom 19%
- Revenue growth, 3-year CAGRBottom 48%
- Revenue growth accelerationTop 43%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 31%
- Gross marginTop 29%
- Operating marginBottom 36%
- Interest coverBottom 38%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 36%
- EBITDA / enterprise valueBottom 43%
- Sales / enterprise valueBottom 48%
- P/E vs own 5-year history (lower is better)Bottom 25%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 15%
- 6-month returnTop 12%
- 1-year return vs S&P 500Top 15%
- Distance from 52-week highBottom 49%
- Trend checklist (0–4)Top 27%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 47%
- Maximum drawdown, 3 yearsTop 26%
- Beta vs S&P 500 (lower is better)Top 25%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 13.0% | 13.3% | ↑ |
| EPS growth (YoY) | 5.2% | -20.7% | ↓ |
| Gross margin | 74.7% | 73.1% | ↓ |
| Operating margin | 23.5% | 15.9% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 13.3% | 13.0% | ↑ | Top 32% |
| EPS growth (TTM, YoY) | -20.7% | 5.2% | ↓ | Bottom 19% |
| Gross margin | 73.1% | 74.7% | ↓ | Top 29% |
| Operating margin | 15.9% | 23.5% | ↓ | Bottom 36% |
| Net margin | 12.5% | 18.3% | ↓ | — |
| Return on invested capital | 4.7% | — | Top 31% | |
| Revenue growth, 3-year CAGR | 14.1% | — | Bottom 48% |
Quality of earnings and balance sheet
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.7×
Shareholder returns
- Share count change, 1 year
- -1.0%
- Share count change, 3-year CAGR
- -1.1%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 10, 2026).
Earnings and expectations
Earnings momentum
- Average 2-day reaction, last 8
- +0.4%
- Positive 20 days after report
- 7 of 8
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 10, 2026 | — | -1.2% | +0.6% | +7.0% | — |
| May 11, 2026 | — | -0.5% | +0.9% | +10.2% | +17.7% |
| Jan 30, 2026 | — | +1.1% | +7.0% | +0.9% | +2.0% |
| Nov 7, 2025 | — | +1.4% | +2.1% | +2.4% | +13.7% |
| Aug 8, 2025 | — | +0.3% | +3.4% | +7.0% | +6.2% |
| May 9, 2025 | — | +1.1% | +3.3% | -0.3% | +7.4% |
| Jan 30, 2025 | — | +1.1% | -2.1% | +2.1% | -5.1% |
| Nov 12, 2024 | — | +0.0% | +0.3% | +3.5% | +0.7% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 10, 2026 | $0.14 | — | — | $37.3M |
| May 11, 2026 | $0.22 | — | — | $32.2M |
| Jan 30, 2026 | $0.16 | — | — | $33.2M |
| Nov 7, 2025 | $0.18 | — | — | $32.1M |
| Aug 8, 2025 | $0.26 | — | — | $31.8M |
| May 9, 2025 | $0.23 | — | — | $29.6M |
| Jan 30, 2025 | $0.13 | — | — | $29.1M |
| Nov 12, 2024 | $0.25 | — | — | $28.5M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 25.8× | 16.7× | 81th | Bottom 36% |
| EV / EBITDA | 18.7× | — | — | Bottom 43% |
| EV / Sales | 3.30× | — | — | Bottom 48% |
| Earnings yield | 3.88% | — | — | Bottom 36% |
P/E over the past five years
Range 10.0× – 322.5× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +35.2%
- Earnings per share growth (TTM)
- -20.7%
- Change in P/E multiple
- +74.0%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 6
- Days above the 200-day average
- 323
- 50-day average slope (20 days)
- +2.0%
- 200-day average slope (20 days)
- +2.9%
- Distance from 50-day average
- +0.6%
- Distance from 200-day average
- +14.4%
- RSI (14)
- 49.6
- Relative volume
- 0.71×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 19.9%
- Volatility vs own 5-year history
- 18th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.31
- Correlation with S&P 500
- 0.25
- Current drawdown from 1-year high
- -4.2%
- Maximum drawdown, 3 years
- -19.3%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Sep 2, 2021 | Nov 13, 2023 | -39.9% | 552 days | 444 days (Aug 22, 2025) |
| Mar 15, 2021 | Aug 2, 2021 | -11.0% | 97 days | 22 days (Sep 1, 2021) |
| Nov 10, 2020 | Dec 16, 2020 | -10.6% | 25 days | 49 days (Mar 1, 2021) |
| Dec 12, 2025 | Jan 7, 2026 | -10.4% | 16 days | 19 days (Feb 4, 2026) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $445.6M
- P/E (TTM)
- 25.8
- EPS, diluted (TTM)
- $0.69
- Revenue (TTM)
- $134.9M
- 52-week range
- $12.64 – $19.91
| FY 2022 | FY 2023 | FY 2024 | FY 2025 | FY 2026 | |
|---|---|---|---|---|---|
| Revenue | $57.9M | $85.2M | $98.7M | $88.1M | $126.7M |
| Gross profit | $57.0M | $79.7M | $74.2M | $88.1M | $92.6M |
| Operating income | $13.3M | $27.9M | $19.4M | $32.9M | $26.5M |
| Net income | $10.3M | $21.9M | $15.3M | $19.2M | $20.3M |
| EPS (diluted) | $0.41 | $0.87 | $0.61 | $0.76 | $0.83 |
| Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | Q3 2026 | Q4 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $28.5M | $29.1M | $29.6M | $31.8M | $32.1M | $33.2M | $32.2M | $37.3M |
| Net income | $6.3M | $3.3M | $5.8M | $6.5M | $4.3M | $3.7M | $5.3M | $3.5M |
| EPS (diluted) | $0.25 | $0.13 | $0.23 | $0.26 | $0.18 | $0.15 | $0.22 | $0.14 |
| FY 2022 | FY 2023 | FY 2024 | FY 2025 | FY 2026 | |
|---|---|---|---|---|---|
| Operating cash flow | $50.0M | $26.3M | $23.8M | $33.7M | $11.1M |
| Capital expenditure | -$780,000 | -$451,000 | -$838,000 | -$1.5M | -$2.3M |
| Free cash flow | $49.2M | $25.8M | $23.0M | $32.2M | $8.8M |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | $0 | $0 | -$1.1M | -$6.3M | -$11.2M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $198.2M
- Total assets
- $2.22B
- Total liabilities
- $1.89B
- Total debt
- $0
- Net debt
- -$144.7M
- Shareholders’ equity
- $328.6M
As of Mar 31, 2026 (filed May 11, 2026).
Short interest
- Shares sold short
- 145,924
- Days to cover
- 9.99
- Change vs previous report
- +8.7%
FINRA short interest, settlement date Sep 15, 2026.