PBFS · Pioneer Bancorp, Inc./MD
$17.40
-0.22 (-1.25%)
At close · Oct 9
Return incl. dividend (before tax)
Market Cap
$432.24M
Shares
24.84M
Volume · Oct 9
8084
Avg daily vol (3M)
12.55K
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$17.40
Open$17.33
Day$17.29–17.60
52W close$13.01–18.54
Avg vol 30d16K
Short int127K · 0.5% float · 6.3d
Short vol26%
DataJan 2020–Oct 2026
Filing10-Q · Aug 10
Up next
filed Aug 10, 2026
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
$16.29M
Trailing 12 months
Net income (TTM)
$16.85M
Trailing 12 months
Revenue growth YoY
+7.3%
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
25.2
Trailing earnings · reciprocal yield 4.0%
FCF yield
—
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
$94.57M
Latest balance sheet
Dividend yield
—
Trailing 12 months
Shares change YoY
-1.0%
Year over year · fewer shares
Price change (1Y)
+34.3%
Trailing year
Short interest
0.5%
Latest settlement · 6.3 days to cover
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Neutral
Momentum
Strong
Sentiment
Bullish
Fundamentals
Strong
Quant / Vol
Very Low
Market backdrop
VIX 14.8 · calm
Equity put/call 0.56
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+11%
above
Price vs 50-day avg
−1%
below
RSI (14)
44
neutral
MACD trend
Negative
52-week position
79%
mid-range
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−4%
trailing
6-month return
+23%
trailing
YTD return
+29%
this year
Relative strength
+13%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $18 › 200d $16 — 50d above 200d
Institutional flow
Accumulating
2 of 79 funds reported for Sep 30 · net +1.5K sh shares
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
0.51% of float · ▼ -13.2% MoM · 6.3 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
79 holders — near 3-yr high, broad support
Squeeze score
46
elevated · 0–100
Fundamentals
Revenue growth
+6%
Y/Y
EPS growth
+36%
Y/Y
Free cash flow
$10.3M
Valuation
P/E 24.9
rich
Quant / Vol
risk profile
Volatility
24%
annualized · 1-yr
Max drawdown
−10%
past year
ATR
2.6%
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 Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+11%
Bullish
Price vs 50-day avg
−1%
Neutral
RSI (14)
44
Neutral
MACD trend
Negative
Bearish
52-week position
79%
Neutral
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $18 › 200d $16 — 50d above 200d
Institutional flow
Accumulating
2 of 79 funds reported for Sep 30 · net +1.5K sh shares
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
0.51% of float · ▼ -13.2% MoM · 6.3 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 · 79%
Range high $19
vs 200-day avg +11%
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 balance of loans | $1.82B | the three months ended June 30, 2026 filing | — |
| Average cost of interest-bearing deposits | 2.42% | the three months ended June 30, 2026 filing | — |
| Average cost of interest-bearing liabilities | 2.45% | the three months ended June 30, 2026 filing | — |
| Average interest-earning assets | $2.16B | the three months ended June 30, 2026 filing | — |
| Average Price Paid Per Share | $14.85 | three months ended June 30, 2026 filing | — |
| Average yield on interest-earning assets | 6.04% | the three months ended June 30, 2026 filing | — |
| Average yield on loans | 6.28% | the three months ended June 30, 2026 filing | — |
| Effective tax rate | 27.2% | the three months ended June 30, 2026 filing | — |
| Maximum Number of Shares That May Yet Be Purchased Under Plans or Programs | 1,022,418 | three months ended June 30, 2026 filing | — |
| Net interest margin | 4.3% | the three months ended June 30, 2026 filing | — |
| Net interest rate spread | 3.58% | the three months ended June 30, 2026 filing | — |
| Net interest-earning assets | $677.5M | the three months ended June 30, 2026 filing | — |
| Total Number of Shares Purchased | 242,008 | three months ended June 30, 2026 filing | — |
| Total Number of Shares Purchased as Part of Publicly Announced Plans or Programs | 231,609 | three months ended June 30, 2026 filing | — |
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
|
$432.24M | +29.1% | +5.8% | 24.9 | 0.5% |
|
MFG
Mizuho Financial Group Inc
|
$128.41B | +44.9% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$114.51B | -39.0% | -3.2% | — | 0.7% |
|
ITUB
Itau Unibanco Holding S.A.
|
$111.98B | +41.9% | — | — | 0.2% |
|
IBN
Icici Bank Ltd
|
$100.11B | -6.4% | — | — | 0.6% |
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 | -2.1% | -3.7% | +22.7% | -2.0% | +29.1% |
| SPY | +1.2% | +1.9% | +9.9% | +2.1% | +14.2% |
| vs SPY | -3.2% | -5.5% | +12.9% | -4.1% | +14.9% |