PBFS

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FQ3-26 quarter ends

~Sep 30, 2026 Est

Latest filing: 10-Q

filed May 11, 2026

Equibles Rating blended score · not investment advice

Overall

Buy

SellHoldBuy

Technical Buy Momentum Very Strong Sentiment Bullish Fundamentals Strong Quant / Vol Very Low

Market backdrop VIX 16.5 · calm Equity put/call 0.62

Technical

price trend

Buy

50 / 200-day cross No cross

Price vs 200-day avg +19%

above

Price vs 50-day avg +6%

above

RSI (14) 58

neutral

MACD trend Negative

52-week position 67%

mid-range

Momentum

relative strength

Very Strong

1-month return +1%

trailing

6-month return +22%

trailing

YTD return +26%

this year

Relative strength +12%

vs S&P · 6-mo

Sentiment

smart money

Bullish

Trend (MA cross) No cross

50d $16 › 200d $14 — 50d above 200d

Institutional flow Flat

1 of 80 funds reported for Jun 30 · net 0 sh shares

Insider flow Flat

No net insider activity over 90 days

Short interest Falling

0.40% of float · ▼ -8.0% MoM · 3.0 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

80 holders — near 3-yr high, broad support

Squeeze score 46

elevated · 0–100

Fundamentals

Strong

Revenue growth +6%

Y/Y

EPS growth +36%

Y/Y

Free cash flow $10.3M

Valuation P/E 20.7

rich

Balance sheet $325.0M

net cash

Quant / Vol

risk profile

Very Low

Volatility 24%

annualized · 1-yr

Max drawdown −10%

past year

ATR 3.4%

of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Technicals

trend & momentum for long-term holders Buy

1 · 3 · 2

50 / 200-day cross

No cross Neutral

Price vs 200-day avg

+19% Bullish

Price vs 50-day avg

+6% Bullish

RSI (14)

58 Neutral

MACD trend

Negative Bearish

52-week position

67% Neutral

Market signals — smart money & positioning

Bullish · 2 of 6

Trend (MA cross) No cross

50d $16 › 200d $14 — 50d above 200d

Institutional flow Flat

1 of 80 funds reported for Jun 30 · net 0 sh shares

Insider flow Flat

No net insider activity over 90 days

Short interest Falling

0.40% of float · ▼ -8.0% MoM · 3.0 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

80 holders — near 3-yr high, broad support

Price context

position in its 52-week range

52-wk low $12 Now $17 · 67% 52-wk high $19

vs 200-day avg +19% vs 50-day avg +6%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from its earnings releases, calls, and filings

Metric	Latest	Period	YoY
Allowance for credit losses on loans as a percentage of total loans outstanding	1.51%	the three months ended March 31, 2026	—
Estimated uninsured deposits as a percentage of total deposits	14.4%	the three months ended March 31, 2026	—
Net interest margin	4.21%	the three months ended March 31, 2026	—

Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file

Versus peers

Banks - Regional — same industry group

Open screener →

Company	Mkt cap	YTD	Rev growth Y/Y	P/E	Short % shares
PBFS Pioneer Bancorp, Inc./MD this stock	$426.05M	+26.0%	+15.2%	20.7	0.4%
HDB Hdfc Bank Ltd	$134.99B	-28.3%	+15.2%	—	0.4%
MFG Mizuho Financial Group Inc	$129.86B	+45.6%	—	—	0.1%
IBN Icici Bank Ltd	$105.77B	-1.3%	—	—	0.7%
PNC Pnc Financial Services Group, Inc.	$102.06B	+22.7%	+7.2%	14.8	1.9%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section

Ownership

Institutional Holders

Holders

80

% held: 23.2%
Reported: 1 of 80
Top holder: M3F, Inc.

Held Float

View

Held by Funds

Fund positions

94

View

Short & Settlement

Short Interest Falling

Shares short

101.5K

Days to cover: 3.0d
Change: -8.8K sh

View

Short Volume

Short vol %

64%

As of: Jul 15, 2026

Short Total

View

Fails to Deliver

FTD shares

2.3K

Value: $38.3K
As of: Jun 30, 2026

View

Off-Exchange

Off-exchange %

33.9%

Week of: May 4, 2026

Off-exch Lit

View

Financials

Revenue (FY)

$15.8M

Net income (FY): $20.3M
EPS diluted: $0.83

View

Filings

SEC Filings

Latest

8-K

Filed: May 20, 2026
This year: 8

View

Proposed Sales

Value

$76.7K

Shares: 5.4K
Filed: Dec 12, 2025

View

Earnings & Events

Investor Relations

	5D	20D	120D	MTD	YTD
PBFS	+1.3%	+0.9%	+22.5%	-0.5%	+26.0%
SPY	+1.3%	-0.2%	+10.1%	+1.1%	+10.7%
vs SPY	0.0%	+1.0%	+12.4%	-1.6%	+15.4%

Price & Indicators

Technicals

Key metrics

Versus peers

At a glance

Performance