Pioneer Bancorp Net Income
| PBFS Stock | USD 14.23 0.08 0.57% |
As of the 2nd of February, Pioneer Bancorp holds the Risk Adjusted Performance of 0.0639, coefficient of variation of 1231.46, and Semi Deviation of 1.27. Compared to fundamental indicators, the technical analysis model allows you to check existing technical drivers of Pioneer Bancorp, as well as the relationship between them. Please check Pioneer Bancorp variance, value at risk, as well as the relationship between the Value At Risk and skewness to decide if Pioneer Bancorp is priced some-what accurately, providing market reflects its current price of 14.23 per share. Given that Pioneer Bancorp has jensen alpha of 0.0862, we recommend you to check out Pioneer Bancorp's recent market performance to make sure the company can sustain itself at a future point.
Pioneer Bancorp Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 4.4672 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income From Continuing Ops | 17.5 M | 12.9 M | |
| Net Income Applicable To Common Shares | 25.2 M | 26.5 M | |
| Net Income | 22.1 M | 11.9 M | |
| Net Income Per Share | 0.68 | 0.46 | |
| Net Income Per E B T | 0.70 | 0.59 |
Pioneer | Net Income | Build AI portfolio with Pioneer Stock |
The evolution of Net Income for Pioneer Bancorp provides essential context for understanding the company's financial health trajectory. By analyzing this metric's behavior over time, investors can assess whether recent trends align with long-term patterns, and how Pioneer Bancorp compares to historical norms and industry peers.
Latest Pioneer Bancorp's Net Income Growth Pattern
Below is the plot of the Net Income of Pioneer Bancorp over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Pioneer Bancorp financial statement analysis. It represents the amount of money remaining after all of Pioneer Bancorp operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Pioneer Bancorp's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Pioneer Bancorp's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 19.2 M | 10 Years Trend |
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Net Income |
| Timeline |
Pioneer Net Income Regression Statistics
| Arithmetic Mean | 9,715,974 | |
| Geometric Mean | 7,801,030 | |
| Coefficient Of Variation | 65.56 | |
| Mean Deviation | 5,195,146 | |
| Median | 5,631,000 | |
| Standard Deviation | 6,369,396 | |
| Sample Variance | 40.6T | |
| Range | 21M | |
| R-Value | 0.70 | |
| Mean Square Error | 22.3T | |
| R-Squared | 0.49 | |
| Significance | 0 | |
| Slope | 879,151 | |
| Total Sum of Squares | 649.1T |
Pioneer Net Income History
Other Fundumenentals of Pioneer Bancorp
| Net Income From Continuing Ops | ||
| Net Income Applicable To Common Shares | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Pioneer Bancorp Net Income component correlations
Pioneer Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Pioneer Bancorp is extremely important. It helps to project a fair market value of Pioneer Stock properly, considering its historical fundamentals such as Net Income. Since Pioneer Bancorp's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Pioneer Bancorp's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Pioneer Bancorp's interrelated accounts and indicators.
Click cells to compare fundamentals
Is there potential for Regional Banks market expansion? Will Pioneer introduce new products? Factors like these will boost the valuation of Pioneer Bancorp. Anticipated expansion of Pioneer directly elevates investor willingness to pay premium valuations. Understanding fair value requires weighing current performance against future potential. All the valuation information about Pioneer Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.154 | Earnings Share 0.72 | Revenue Per Share | Quarterly Revenue Growth 0.157 | Return On Assets |
Investors evaluate Pioneer Bancorp using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating Pioneer Bancorp's intrinsic value—the estimated true worth—helps identify when the stock trades at a discount or premium to fair value. Analysts utilize numerous techniques to assess fundamental value, seeking to purchase shares when trading prices fall beneath estimated intrinsic worth. External factors like market trends, sector rotation, and investor psychology can cause Pioneer Bancorp's market price to deviate significantly from intrinsic value.
It's important to distinguish between Pioneer Bancorp's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Pioneer Bancorp should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Conversely, Pioneer Bancorp's market price signifies the transaction level at which participants voluntarily complete trades.
Pioneer Bancorp 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Pioneer Bancorp's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Pioneer Bancorp.
| 11/04/2025 |
| 02/02/2026 |
If you would invest 0.00 in Pioneer Bancorp on November 4, 2025 and sell it all today you would earn a total of 0.00 from holding Pioneer Bancorp or generate 0.0% return on investment in Pioneer Bancorp over 90 days. Pioneer Bancorp is related to or competes with Orange County, Ponce Financial, RBB Bancorp, MVB Financial, Farmers Merchants, US Century, and Bankwell Financial. Pioneer Bancorp, Inc. operates as a holding company for Pioneer Bank that provides various banking products and services... More
Pioneer Bancorp Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Pioneer Bancorp's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Pioneer Bancorp upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.36 | |||
| Information Ratio | 0.051 | |||
| Maximum Drawdown | 8.41 | |||
| Value At Risk | (1.87) | |||
| Potential Upside | 2.87 |
Pioneer Bancorp Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Pioneer Bancorp's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Pioneer Bancorp's standard deviation. In reality, there are many statistical measures that can use Pioneer Bancorp historical prices to predict the future Pioneer Bancorp's volatility.| Risk Adjusted Performance | 0.0639 | |||
| Jensen Alpha | 0.0862 | |||
| Total Risk Alpha | 0.0389 | |||
| Sortino Ratio | 0.0559 | |||
| Treynor Ratio | 0.157 |
Pioneer Bancorp February 2, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.0639 | |||
| Market Risk Adjusted Performance | 0.167 | |||
| Mean Deviation | 1.13 | |||
| Semi Deviation | 1.27 | |||
| Downside Deviation | 1.36 | |||
| Coefficient Of Variation | 1231.46 | |||
| Standard Deviation | 1.49 | |||
| Variance | 2.21 | |||
| Information Ratio | 0.051 | |||
| Jensen Alpha | 0.0862 | |||
| Total Risk Alpha | 0.0389 | |||
| Sortino Ratio | 0.0559 | |||
| Treynor Ratio | 0.157 | |||
| Maximum Drawdown | 8.41 | |||
| Value At Risk | (1.87) | |||
| Potential Upside | 2.87 | |||
| Downside Variance | 1.84 | |||
| Semi Variance | 1.61 | |||
| Expected Short fall | (1.32) | |||
| Skewness | 0.0806 | |||
| Kurtosis | 0.9945 |
Pioneer Bancorp Backtested Returns
Currently, Pioneer Bancorp is very steady. Pioneer Bancorp maintains Sharpe Ratio (i.e., Efficiency) of 0.0923, which implies the firm had a 0.0923 % return per unit of risk over the last 3 months. We have found twenty-nine technical indicators for Pioneer Bancorp, which you can use to evaluate the volatility of the company. Please check Pioneer Bancorp's Coefficient Of Variation of 1231.46, semi deviation of 1.27, and Risk Adjusted Performance of 0.0639 to confirm if the risk estimate we provide is consistent with the expected return of 0.14%. Pioneer Bancorp has a performance score of 7 on a scale of 0 to 100. The company holds a Beta of 0.71, which implies possible diversification benefits within a given portfolio. As returns on the market increase, Pioneer Bancorp's returns are expected to increase less than the market. However, during the bear market, the loss of holding Pioneer Bancorp is expected to be smaller as well. Pioneer Bancorp right now holds a risk of 1.53%. Please check Pioneer Bancorp value at risk, as well as the relationship between the skewness and day median price , to decide if Pioneer Bancorp will be following its historical price patterns.
Auto-correlation | 0.52 |
Modest predictability
Pioneer Bancorp has modest predictability. Overlapping area represents the amount of predictability between Pioneer Bancorp time series from 4th of November 2025 to 19th of December 2025 and 19th of December 2025 to 2nd of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Pioneer Bancorp price movement. The serial correlation of 0.52 indicates that about 52.0% of current Pioneer Bancorp price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.52 | |
| Spearman Rank Test | 0.19 | |
| Residual Average | 0.0 | |
| Price Variance | 0.11 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Pioneer Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, Pioneer Bancorp reported net income of 19.2 M. This is 98.5% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 96.64% higher than that of the company.
Pioneer Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Pioneer Bancorp's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Pioneer Bancorp could also be used in its relative valuation, which is a method of valuing Pioneer Bancorp by comparing valuation metrics of similar companies.Pioneer Bancorp is currently under evaluation in net income category among its peers.
Pioneer Bancorp ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Pioneer Bancorp's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Pioneer Bancorp's managers, analysts, and investors.Environmental | Governance | Social |
Pioneer Bancorp Institutional Holders
Institutional Holdings refers to the ownership stake in Pioneer Bancorp that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of Pioneer Bancorp's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Pioneer Bancorp's value.| Shares | Northern Trust Corp | 2025-06-30 | 83.2 K | Empowered Funds, Llc | 2025-06-30 | 71.8 K | Arrowstreet Capital Limited Partnership | 2025-06-30 | 52.7 K | Morgan Stanley - Brokerage Accounts | 2025-06-30 | 45.9 K | Gator Capital Management, Llc | 2025-06-30 | 40.9 K | Charles Schwab Investment Management Inc | 2025-06-30 | 33.7 K | Citadel Advisors Llc | 2025-06-30 | 31.1 K | Martingale Asset Management L P | 2025-06-30 | 29.4 K | Goldman Sachs Group Inc | 2025-06-30 | 26.9 K | M3f, Inc. | 2025-06-30 | 2.1 M | Vanguard Group Inc | 2025-06-30 | 716.5 K |
Pioneer Fundamentals
| Return On Equity | 0.0656 | |||
| Return On Asset | 0.0091 | |||
| Profit Margin | 0.22 % | |||
| Operating Margin | 0.22 % | |||
| Current Valuation | 124.19 M | |||
| Shares Outstanding | 25.08 M | |||
| Shares Owned By Insiders | 58.83 % | |||
| Shares Owned By Institutions | 23.00 % | |||
| Number Of Shares Shorted | 94.89 K | |||
| Price To Earning | 380.00 X | |||
| Price To Book | 1.13 X | |||
| Price To Sales | 3.87 X | |||
| Revenue | 88.12 M | |||
| Gross Profit | 92.59 M | |||
| EBITDA | 22 M | |||
| Net Income | 19.2 M | |||
| Cash And Equivalents | 376.28 M | |||
| Cash Per Share | 14.96 X | |||
| Total Debt | 40 M | |||
| Debt To Equity | 11.77 % | |||
| Book Value Per Share | 12.87 X | |||
| Cash Flow From Operations | 33.71 M | |||
| Short Ratio | 5.84 X | |||
| Earnings Per Share | 0.72 X | |||
| Number Of Employees | 265 | |||
| Beta | 0.45 | |||
| Market Capitalization | 358.1 M | |||
| Total Asset | 2.1 B | |||
| Retained Earnings | 201.38 M | |||
| Net Asset | 2.1 B |
About Pioneer Bancorp Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Pioneer Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Pioneer Bancorp using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Pioneer Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Additional Tools for Pioneer Stock Analysis
When running Pioneer Bancorp's price analysis, check to measure Pioneer Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Pioneer Bancorp is operating at the current time. Most of Pioneer Bancorp's value examination focuses on studying past and present price action to predict the probability of Pioneer Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Pioneer Bancorp's price. Additionally, you may evaluate how the addition of Pioneer Bancorp to your portfolios can decrease your overall portfolio volatility.