PBFS · Pioneer Bancorp, Inc./MD
$17.37
+0.25 (+1.43%)
At close · Aug 21
Market Cap
$431.38M
Shares
24.84M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$17.37
Open$17.28
Day$17.19–17.56
52W close$12.70–18.02
Avg vol 30d9K
Short int118K · 0.5% float · 10.6d
Short vol34%
DataJan 2020–Aug 2026
Filing10-Q · Aug 10
Up next
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 10, 2026
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Strong
Sentiment
Neutral
Fundamentals
Strong
Quant / Vol
Very Low
Market backdrop
VIX 15.1 · calm
Equity put/call 0.51
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+17%
above
Price vs 50-day avg
+1%
above
RSI (14)
53
neutral
MACD trend
Negative
52-week position
88%
near high
Momentum
relative strength
1-month return
−2%
trailing
6-month return
+22%
trailing
YTD return
+29%
this year
Relative strength
+10%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $17 › 200d $15 — 50d above 200d
Institutional flow
Distributing
-2% holders QoQ · +6 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
0.47% of float · ▲ +3.7% MoM · 10.6 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
79 holders — near 3-yr high, broad support
Squeeze score
48
elevated · 0–100
Fundamentals
Revenue growth
+6%
Y/Y
EPS growth
+36%
Y/Y
Free cash flow
$10.3M
Valuation
P/E 24.8
rich
Balance sheet
$325.0M
net cash
Quant / Vol
risk profile
Volatility
24%
annualized · 1-yr
Max drawdown
−10%
past year
ATR
2.3%
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
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+17%
Bullish
Price vs 50-day avg
+1%
Bullish
RSI (14)
53
Neutral
MACD trend
Negative
Bearish
52-week position
88%
Bullish
Market signals — smart money & positioning
Bearish · 2 of 6
Trend (MA cross)
No cross
50d $17 › 200d $15 — 50d above 200d
Institutional flow
Distributing
-2% holders QoQ · +6 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
0.47% of float · ▲ +3.7% MoM · 10.6 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
79 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $13
Now $17 · 88%
Range high $18
vs 200-day avg +17%
vs 50-day avg +1%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Average interest-earning assets to interest-bearing liabilities | 145.54% | the three months ended June 30, 2026 filing | — |
| Allowance for credit losses as a percentage of total loans | 1.48% | At June 30, 2026 | — |
| Annualized net charge-offs as a percentage of average loans | 0.17% | six months ended June 30, 2026 | — |
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| Average cost of interest-bearing liabilities | 2.39% | six months ended June 30, 2026 | — |
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| Average price per share for repurchases | $14.84 | Three Months Ended June 30, 2026 | — |
| Average yield on interest-earning assets | 5.86% | six months ended June 30, 2026 | — |
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| Commercial deposit mix | 17.7% | June 30, 2026 | — |
| Effective tax rate | 16.4% | six months ended June 30, 2026 | — |
| Efficiency ratio | 76.15% | Six Months Ended June 30, 2026 | — |
| Estimated uninsured deposits as a percentage of total deposits | 13.4% | June 30, 2026 | — |
| Municipal deposit mix | 27% | June 30, 2026 | — |
| Net charge-offs to average outstanding loans during the period | 0.17% | Six Months Ended June 30, 2026 | — |
| Net interest margin | 4.23% | six months ended June 30, 2026 | — |
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| Non-performing loans as a percentage of total assets | 0.39% | At June 30, 2026 | — |
| Non-performing loans as a percentage of total loans | 0.48% | At June 30, 2026 | — |
| Number of full-time equivalent employees | 298 | At June 30, 2026 | — |
| Number of offices | 24 | At June 30, 2026 | — |
| Offices | 23 | June 30, 2026 | — |
| Retail deposit mix | 55.3% | June 30, 2026 | — |
| Return on average assets | 0.79% | Six Months Ended June 30, 2026 | — |
| Shares available for repurchase under stock repurchase program | 1,022,418 | As of June 30, 2026 | — |
| Shares repurchased during the three months ended June 30, 2026 | 231,609 | Three Months Ended June 30, 2026 | — |
| Tier 1 (leverage) capital to average assets ratio | 9.97% | At June 30, 2026 | — |
| Total non-performing assets as a percentage of total assets | 0.4% | At June 30, 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
PBFS
this stock
Pioneer Bancorp, Inc./MD
|
$431.38M | +28.8% | +15.2% | 24.8 | 0.5% |
|
MFG
Mizuho Financial Group Inc
|
$124.83B | +40.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$121.52B | -35.4% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | +0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +19.4% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| PBFS | -0.3% | -2.1% | +21.6% | +0.8% | +28.8% |
| SPY | -1.4% | +3.6% | +11.6% | +2.5% | +12.3% |
| vs SPY | +1.1% | -5.7% | +10.0% | -1.7% | +16.5% |