profit from every $100 of sales.
$0$100
Pioneer Bancorp
$18.33+0.99% today
+36.5% in 1 year
1-year low $13.021-year high $18.80
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $21.58 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Pioneer Bancorp sold, what it kept, and what it did with the cash.
Sales went from $56.5 million in 2022 to $96.3 million in 2025, with $20.3 million of profit last year.
SalesProfit
Pioneer Bancorp handed back more cash to shareholders than it generated last year.
Buybacks $11M
Free cash flow 2025$9M
Bought back its own shares$11M
Paid as dividends–
Pioneer Bancorp vs. similar companies
Pioneer Bancorp grows in the middle of these 5 and is the most expensive for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Pioneer Bancorp | 21.6× · Fair price | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Pioneer Bancorp's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 56 | 80 | 77 | 96 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 10 | 22 | 15 | 20 | |
| 0.41 | 0.87 | 0.61 | 0.83 | |
| – | – | – | – | |
| – | – | – | – | |
| 18.2% | 27.5% | 19.8% | 21.1% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 1,964 | 1,856 | 1,895 | 2,151 |
| Cash | 373 | 148 | 152 | 131 |
| Total debt | – | – | – | – |
| Total liabilities | 1,722 | 1,589 | 1,599 | 1,827 |
| 243 | 267 | 297 | 324 | |
| 25 | 25 | 25 | 25 | |
| – | – | – | – | |
| 4.2% | 8.2% | 5.1% | 6.3% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 50 | 26 | 24 | 11 | |
| 1 | 0 | 1 | 2 | |
| 49 | 26 | 23 | 9 | |
| Dividends paid | – | – | – | – |
| – | 0 | 1 | 11 | |
| 1 | 1 | 1 | 2 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 21.6×
- –
- 0.81
- 1.1×
- 4.5×
- 4.6%
- 0.0%
Profitability
- 21.1%
- 15.6%
- 4.8%
- 6.2%
- 0.9%
Growth
- +19.5%
- +26.5%
- –
- +0.2%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 14%of 754
Bottom 42%of 605
Bottom 27%of 883
Top 28%of 880
Bottom 39%of 929
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| May 11, 2026 | 0.22 | – | – |
| Jan 30, 2026 | 0.16 | – | – |
| Nov 7, 2025 | 0.18 | – | – |
| Aug 8, 2025 | 0.26 | – | – |
| May 9, 2025 | 0.23 | – | – |
| Jan 30, 2025 | 0.13 | – | – |
| Nov 12, 2024 | 0.25 | – | – |
| Sep 25, 2024 | 0.16 | – | – |
News
IonQ vs. Rigetti Computing: Which Pure-Play Quantum Pioneer Has the Stronger Technology Advantage?Yahoo Finance · Sep 5, 2026The newest story we have is from Sep 5, 2026.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
5/7Passes 5 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
52No pass
Benjamin Graham
69Pass
Philip Fisher
83Pass
Peter Lynch
89Pass
Joel Greenblatt
26No pass
Charlie Munger
60Pass
Terry Smith
60Pass
Questions about Pioneer Bancorp
Is Pioneer Bancorp a good stock to buy?
A strong, very profitable business at a fair price. 5 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Pioneer Bancorp AI analysis
What does Pioneer Bancorp do?
Pioneer Bancorp, Inc. operates as a holding company for Pioneer Savings Bank that provides various banking products and services in New York. It is in Banks - Regional.
Does Pioneer Bancorp pay a dividend?
No. Pioneer Bancorp does not pay a dividend at the moment; in 2025 it returned $11.3 million to shareholders by buying back its own shares.
Is Pioneer Bancorp stock halal?
No. Pioneer Bancorp does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Pioneer Bancorp stock done over the past year?
Up 36.5% over the past twelve months, to $18.33. It traded between $13.02 and $18.80 and is 2.5% below its high.
Who are Pioneer Bancorp's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Pioneer Bancorp's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.