Pioneer Bancorp, Inc. (New York)

Market Cap: Micro Cap
Industry: Regional Banks
ISIN: US7235611065

USD

14.04

0.53 (3.92%)

Mar 23

NAS

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Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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Pioneer Bancorp, Inc. (New York)

Why is Pioneer Bancorp, Inc. (New York) ?

Unrated Stock - No Analysis Available

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Pioneer Bancorp, Inc. (New York) for you?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

Pioneer Bancorp, Inc. (New York)

20.21%

1.14

22.63%

S&P 500

16.12%

0.77

19.29%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

18.23%

EBIT Growth (5y)

4.03%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

24.96%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

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

ROCE (Latest)

12.99%

ROE (Latest)

6.26%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bearish

Bollinger Bands

Bullish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Mildly Bearish

Mildly Bullish

OBV

No Trend

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

2What 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 periods

MOJO 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 2025

MOJO 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)