Zacks Investment Research·3d ago
Pioneer Bancorp Q3 Earnings Fall Y/Y Despite Strong Revenue GrowthPBFS reports higher Q3 revenues and an improved net interest margin, but litigation expenses and rising credit costs weigh on profitability.
Pioneer Bancorp's net interest income has recovered from $17.2M in 4Q24 to $23.6M in 1Q27, but its net interest margin has been stuck in a narrow 0.8% to 0.9% band, leaving little cushion if funding costs reprice faster than loan yields.
Price trend, volume and key moving averages
Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).
Check whether operating performance supports the current valuation.
Recent results and news deserve attention only when they alter the forward view.
| Quarter | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|
Q4 2026Latest Nov 2, 2026 | $0.00 vs — | $39M vs — |
Q3 2026 Aug 10, 2026 | $0.14 vs — | $37M vs — |
Q2 2026 May 11, 2026 | $0.22 vs — | $32M vs — |
Q1 2026 Jan 30, 2026 | $0.16 vs — | $33M vs — |
PBFS reports higher Q3 revenues and an improved net interest margin, but litigation expenses and rising credit costs weigh on profitability.
Pioneer Bancorp (NASDAQ: PBFS - Get Free Report) and Bank of N.T. Butterfield and Son (NYSE: NTB - Get Free Report) are both finance companies, but which is the better business? We will contrast the two businesses based on the strength of their risk, institutional ownership, valuation, dividends, analyst recommendations, earnings and profitability. Risk and Volatility Pioneer
Pioneer Bancorp (NASDAQ: PBFS - Get Free Report) and Grupo Financiero Galicia (NASDAQ: GGAL - Get Free Report) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their dividends, earnings, institutional ownership, risk, valuation, profitability and analyst recommendations. Profitability This table compares Pioneer Bancorp and
PBFS enters the second half of 2026 with effectively zero debt, while BY carries a 31.7% debt-to-capitalization ratio and higher borrowing costs.
Benchmark PBFS against direct peers instead of judging its metrics in isolation.
Key metrics vs top competitors for Pioneer Bancorp, Inc. (PBFS)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $18.35 | $460.16M | 22.11 | 30.2% | 21.07% | 6.36% | — | |
| $42.21 | $1.86B | 12.75 | 44.2% | 28.05% | 9.5% | 2.36% | |
| $52.83 | $2.75B | 12.68 | 14.54% | 28.98% | 11.31% | 2.7% | |
| $9.01 | $567.03M | 15.56 | 15.66% | 20.46% | 4.84% | 4.89% | |
| $57.30 | $975.7M | 14.68 | 9.38% | 42.23% | 10% | 2.63% | |
| $23.38 | $225.48M | 16.12 | -9.39% | 28.36% | 7.64% | 1.59% |
Pioneer Bancorp, Inc. (PBFS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Verify the primary filings, follow material updates, and answer the remaining questions.
Pioneer Bancorp, Inc. (PBFS) SEC filings — annual & quarterly reports (10-K, 10-Q)
Oct 30, 2026·SEC
Jul 30, 2026·SEC
Jul 29, 2026·SEC
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Pioneer Bancorp, Inc. (PBFS) stock FAQ — growth, dividends, profitability & financials explained
Pioneer Bancorp, Inc. (PBFS) grew revenue by 30.2% in fiscal year 2026, compared with the prior fiscal year.
Yes. Pioneer Bancorp, Inc. (PBFS) earned $20.3M in net income in fiscal year 2026 (a 21.1% net margin).
Pioneer Bancorp, Inc. (PBFS) had a return on equity (ROE) of 6.4% in fiscal year 2026. That is below the market's typical 10-15%.
Pioneer Bancorp, Inc. (PBFS) has a net interest margin (NIM) of 3.7%. This indicates healthy earnings from lending activities.
Pioneer Bancorp, Inc. (PBFS) has an efficiency ratio of 68.7%. This is higher than peers, suggesting room for cost optimization.
