ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Pioneer Bancorp, Inc. (New York) ?
Unrated Stock - No Analysis Available
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Pioneer Bancorp, Inc. (New York) should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Pioneer Bancorp, Inc. (New York) for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Pioneer Bancorp, Inc. (New York)
26.92%
1.16
22.93%
S&P 500
30.63%
0.62
19.30%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
18.23%
EBIT Growth (5y)
4.03%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
24.96%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
17
Industry P/E
Price to Book Value
1.09
EV to EBIT
8.81
EV to EBITDA
8.22
EV to Capital Employed
1.15
EV to Sales
1.99
PEG Ratio
0.43
Dividend Yield
NA
ROCE (Latest)
12.99%
ROE (Latest)
6.26%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend2What is working for the Company
NET SALES(9M)
Higher at USD 83.68 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 94.66%
-2What is not working for the Company
NET PROFIT(HY)
At USD 8.07 MM has Grown at -33.1%
Here's what is working for Pioneer Bancorp, Inc. (New York)
Credit Deposit Ratio
Highest at 94.66%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Net Sales
Higher at USD 83.68 MM
than preceding 12 month period ended Dec 2025MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Sales (USD MM)
Here's what is not working for Pioneer Bancorp, Inc. (New York)
Net Profit
At USD 8.07 MM has Grown at -33.1%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
