📊 PBFS Key Takeaways
Is Pioneer Bancorp, Inc./MD (PBFS) a Good Investment?
Pioneer Bancorp faces severe operational deterioration with an 85.6% YoY revenue collapse that indicates critical competitive or structural challenges. Weak underlying profitability metrics (0.9% ROA, 6.3% ROE) combined with unusually elevated margins suggest one-time items mask fundamental weakness in core banking operations.
Why Buy Pioneer Bancorp, Inc./MD Stock? PBFS Key Strengths
- Strong free cash flow generation ($10.7M FCF with 67.4% margin)
- Zero long-term debt providing financial flexibility
- Positive earnings ($20.3M net income) despite revenue headwinds
PBFS Stock Risks: Pioneer Bancorp, Inc./MD Investment Risks
- Catastrophic 85.6% YoY revenue decline indicating loss of customer base or deposit flight
- Return on Assets (0.9%) and Return on Equity (6.3%) significantly below healthy banking standards
- Unusually high operating margin (167.5%) and net margin (128.3%) suggest one-time gains or accounting anomalies masking operational weakness
Key Metrics to Watch
- Revenue stabilization and deposit growth rates
- Return on Assets trending toward 1.5%+ industry minimum
- Loan portfolio composition and credit quality trends
Pioneer Bancorp, Inc./MD (PBFS) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 67.4% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
PBFS Profit Margin, ROE & Profitability Analysis
PBFS vs Finance Sector: How Pioneer Bancorp, Inc./MD Compares
How Pioneer Bancorp, Inc./MD compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Pioneer Bancorp, Inc./MD Stock Overvalued? PBFS Valuation Analysis 2026
Based on fundamental analysis, Pioneer Bancorp, Inc./MD has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Pioneer Bancorp, Inc./MD Balance Sheet: PBFS Debt, Cash & Liquidity
PBFS Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Pioneer Bancorp, Inc./MD's revenue has grown significantly by 24% over the 5-year period, indicating strong business expansion. The most recent EPS of $0.26 reflects profitable operations.
PBFS Revenue Growth, EPS Growth & YoY Performance
PBFS Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $3.6M | $3.9M | $0.18 |
| Q2 2025 | $3.7M | $3.9M | $0.16 |
| Q1 2025 | $3.5M | $3.4M | $0.14 |
| Q3 2024 | $3.2M | $3.2M | $0.19 |
| Q2 2024 | $3.6M | $3.2M | $0.13 |
| Q1 2024 | $3.3M | $3.4M | $0.14 |
| Q3 2023 | $3.2M | $302.0K | $0.01 |
| Q2 2023 | $3.6M | $1.4M | $0.25 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Pioneer Bancorp, Inc./MD Dividends, Buybacks & Capital Allocation
PBFS SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Pioneer Bancorp, Inc./MD (CIK: 0001769663)
📋 Recent SEC Filings
❓ Frequently Asked Questions about PBFS
What is the AI rating for PBFS?
Pioneer Bancorp, Inc./MD (PBFS) has an AI rating of SELL with 60% confidence, based on fundamental analysis of SEC EDGAR filings.
What are PBFS's key strengths?
Claude: Strong free cash flow generation ($10.7M FCF with 67.4% margin). Zero long-term debt providing financial flexibility.
What are the risks of investing in PBFS?
Claude: Catastrophic 85.6% YoY revenue decline indicating loss of customer base or deposit flight. Return on Assets (0.9%) and Return on Equity (6.3%) significantly below healthy banking standards.
What is PBFS's revenue and growth?
Pioneer Bancorp, Inc./MD reported revenue of $15.8M.
Does PBFS pay dividends?
Pioneer Bancorp, Inc./MD does not currently pay dividends.
Where can I find PBFS SEC filings?
Official SEC filings for Pioneer Bancorp, Inc./MD (CIK: 0001769663) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is PBFS's EPS?
Pioneer Bancorp, Inc./MD has a diluted EPS of $0.83.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is PBFS a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Pioneer Bancorp, Inc./MD has a SELL rating with 60% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is PBFS stock overvalued or undervalued?
Valuation metrics for PBFS: ROE of 6.3% (sector avg: 12%), net margin of 128.3% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy PBFS stock in 2026?
Our dual AI analysis gives Pioneer Bancorp, Inc./MD a combined SELL rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is PBFS's free cash flow?
Pioneer Bancorp, Inc./MD's operating cash flow is $11.1M, with capital expenditures of $451.0K. FCF margin is 67.4%.
How does PBFS compare to other Finance stocks?
Vs Finance sector averages: Net margin 128.3% (avg: 25%), ROE 6.3% (avg: 12%), current ratio N/A (avg: 1.2).