Pioneer Bancorp Inc (PBFS) — Titan Protect Analysis

PBFS

Pioneer Bancorp Inc

Financial · ·

$16.20

Data: 2026-06-03

✗ ETHICAL FAIL

NONE MOAT

LIMITED

Data Confidence: 0.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$390M

Total market value of the company

Trailing P/E

19.48

Reasonably valued

Forward P/E

N/A

Based on estimated future earnings — lower means cheaper

Rev Growth

+8.3%

Year-over-year revenue change

Profit Margin

21.0%

How much profit the company keeps from each dollar of revenue

ROE

6.2%

Return on equity — how efficiently it uses shareholder money

Analyst Target

N/A

Recommendation

NONE

Consensus view from ? analysts covering this stock

About Pioneer Bancorp Inc

Pioneer Bancorp, Inc. operates as a holding company for Pioneer Bank, National Association that provides various banking products and services in New York. It accepts various deposit accounts, such as demand, savings, and money market accounts, as well as certificates of deposit accounts. The company's loan products include commercial real estate, commercial and industrial, commercial construction, residential mortgage, consumer loans, home equity loans, and lines of credit. It also invests in s

https://www.pioneerny.com

Country: United States Employees: 265 Industry: Banks - Regional

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

FAIL

Core business does not involve prohibited activities

Debt Ratio

0.0% PENDING

Debt must be below 33% of total assets

Cash Ratio

0.0% PENDING

Interest-bearing cash below 33% of assets

Receivables

0.0% PENDING

Receivables below 49% of assets

Revenue Purity

0.0% PENDING

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

MARKUP

Price trending up with increasing momentum

Sharpe Ratio

1.132

Excellent risk-adjusted returns

Kelly Fraction

0.0440

Modest edge detected — smaller position warranted

Calmar Ratio

2.611

Returns exceed worst-case losses — strong risk profile

Annual Return

27.2%

Historical annualised return based on price data

Max Drawdown

-10.4%

Largest peak-to-trough decline — the worst it has been

HMM State

SIDEWAYS

Price consolidating — no clear directional bias

Days in State

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

0.41

Very low correlation to market moves

52W High

$17.04

5% below the year high

52W Low

$11.24

44% above the year low

Avg Volume

17,246

Average daily shares traded — higher means easier to buy and sell

Short Ratio

8.0

Days it would take all short sellers to cover — higher means more crowded

Short % Float

N/A

Div Yield

N/A

Annual dividend as a percentage of the share price

EPS (TTM)

$0.82

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Like current ratio but excludes inventory — stricter test

Gross Margin

N/A

Revenue left after cost of goods — higher means pricing power

Operating Margin

25.0%

Profit from core operations before interest and tax

Free Cash Flow

N/A

Negative — the business is spending more than it generates

Revenue (TTM)

$94M

Total revenue over the last 12 months

Net Income

$20M

Profitable — the bottom line is positive

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-06-03

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