Pioneer Bancorp, Inc. (New York)

Is Pioneer Bancorp, Inc. (New York) overvalued or undervalued?

As of October 17, 2025, Pioneer Bancorp, Inc. is rated as very attractive due to its undervaluation indicated by a P/E ratio of 19, a Price to Book Value of 0.99, and a PEG Ratio of 0.44, alongside competitive positioning in the regional banking sector and strong 1-year return performance of 17.0%.

As of 17 October 2025, the valuation grade for Pioneer Bancorp, Inc. has moved from attractive to very attractive, indicating a positive shift in its valuation outlook. The company appears to be undervalued, supported by a P/E ratio of 19, a Price to Book Value of 0.99, and a PEG Ratio of 0.44, which suggests strong growth potential relative to its price. <BR><BR>In comparison to peers, Pioneer Bancorp's P/E ratio is notably higher than that of Orrstown Financial Services, Inc. at 10.63, but lower than Unity Bancorp, Inc. at 11.21, indicating a competitive position within the regional banking sector. Additionally, the company's return performance shows a YTD return of 12.93%, which is slightly below the S&P 500's return of 13.30%, but its 1-year return of 17.0% outpaces the index's 14.08%, reinforcing its attractiveness in the market.

Is Pioneer Bancorp, Inc. (New York) technically bullish or bearish?

As of June 24, 2025, Pioneer Bancorp, Inc. has shifted to a bullish technical trend, supported by positive MACD, Bollinger Bands, and moving averages, despite a bearish weekly RSI, while outperforming the S&P 500 with a 1-year return of 21.14%.

As of 24 June 2025, the technical trend for Pioneer Bancorp, Inc. (New York) has changed from mildly bearish to bullish. The weekly and monthly MACD indicators are bullish, supporting the positive trend. Additionally, Bollinger Bands and KST are also bullish on both weekly and monthly time frames. However, the weekly RSI is bearish, indicating some short-term weakness. Moving averages on a daily basis are bullish, further reinforcing the overall positive stance. Dow Theory and OBV are mildly bullish on both weekly and monthly time frames.<BR><BR>In terms of performance, Pioneer Bancorp has outperformed the S&P 500 across multiple periods, with a 1-year return of 21.14% compared to the S&P 500's 17.14%, and a year-to-date return of 17.88% versus 12.22%. Overall, the current technical stance is bullish, with moderate strength.

How big is Pioneer Bancorp, Inc. (New York)?

As of Jun 18, Pioneer Bancorp, Inc. (New York) has a market capitalization of 307.95 million and total assets of 1,906.37 million, with shareholder's funds at 296.53 million.

Market Cap: As of Jun 18, Pioneer Bancorp, Inc. (New York) has a market capitalization of 307.95 million, categorized as Micro Cap.<BR><BR>Recent Quarterly Performance: For the latest four quarters, the sum of interest earned is 73.79 million, while the sum of net profit is 16.00 million.<BR><BR>Balance Sheet Snapshot: As of Jun 24, the shareholder's funds amount to 296.53 million, and total assets are reported at 1,906.37 million.

What does Pioneer Bancorp, Inc. (New York) do?

Pioneer Bancorp, Inc. is the holding company for Pioneer Savings Bank, offering financial services in the regional banks sector. As of March 2025, it reported net sales of $26 million and a net profit of $6 million, with a market cap of $307.95 million.

Overview:<BR>Pioneer Bancorp, Inc. operates as the holding company for Pioneer Savings Bank, providing financial services in the regional banks industry.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 26 Million (Quarterly Results - Mar 2025)<BR>Most recent Net Profit: 6 Million (Quarterly Results - Mar 2025)<BR>Market cap: USD 307.95 Million (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 19.00<BR>Dividend Yield: 0.00%<BR>Debt Equity: 0.00<BR>Return on Equity: 5.15%<BR>Price to Book: 0.99<BR><BR>Contact Details:<BR>Address: 652 Albany Shaker Rd, ALBANY NY: 12211-1125<BR>Tel: 1 518 7303999<BR>Website: http://investors.pioneerbanking.com/

Should I buy, sell or hold Pioneer Bancorp, Inc. (New York)?

Who are in the management team of Pioneer Bancorp, Inc. (New York)?

As of March 2022, the management team of Pioneer Bancorp, Inc. includes Mr. Thomas Amell as President and CEO, along with independent directors Ms. Eileen Bagnoli, Mr. Donald Fane, Mr. Shaun Mahoney, Dr. James Reed, and Mr. Edward Reinfurt.

As of March 2022, the management team of Pioneer Bancorp, Inc. (New York) includes Mr. Thomas Amell, who serves as the President, Chief Executive Officer, and Director. Additionally, the Board of Directors comprises several independent directors: Ms. Eileen Bagnoli, Mr. Donald Fane, Mr. Shaun Mahoney, Dr. James Reed, and Mr. Edward Reinfurt. <BR><BR>In summary, as of March 2022, the key figures in the management team are Mr. Thomas Amell as the CEO and a group of independent directors including Ms. Eileen Bagnoli, Mr. Donald Fane, Mr. Shaun Mahoney, Dr. James Reed, and Mr. Edward Reinfurt.