Loading…
Pioneer Bancorp, Inc.
How the company evolved, year by year. Revenue and debt come from the annual reports — for most companies, the 10-K filings with the SEC since 2009; dividends from the payments themselves.
The bars are a balance on the closing date; the lines are what happened during the year. Revenue above equity is ordinary, not an anomaly — it means the company turns its capital over more than once a year.
Major managers that reported this stock in their latest 13F.
▲ +39.6% over 5Y.
today you would have $1,397.94▲ +39.8%
Dividends reinvested, splits accounted for. Past prices say what happened, not what will.
The last 7 closed years. Each multiple uses that year’s closing price and that year’s reported numbers — not today’s. The range is set by the annual reports on record.
| Indicator | Median | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Year-end price | $13.48 | $11.52 | $10.01 | $11.40 | $11.32 | $10.57 | $15.31 | |
| P/E | 18.9x | 16.2x | 18.9x | 11.5x | 27.8x | 283.0x | 50.3x | — |
| P/S | 3.9x | 3.5x | 3.6x | 3.3x | 5.2x | 5.1x | 4.3x | — |
Seven formulas applied to what the company reported. None of them predicts a price — each answers what the stock would be worth if its assumption held. The assumption is printed next to every number, because it is the assumption that produces the result.
Square root of 22.5 × earnings × book value — the two ceilings Graham proposed. Blind to intangibles, so it undervalues software and brands.
Earnings growing 25.0% a year plus a 0.0% dividend — Lynch adds the yield to the growth rate, so a payer is not priced like a company that returns nothing. Growth capped at 25%.
Median P/E of 13.4 among peers in the sector.
Median P/E of 18.9 across the years on record for this company itself. Answers whether it is cheap against its own past, which a whole sector trading low cannot flatter.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Companies of similar size in Financial Services, for comparison. The columns are the same ones above, in the same order.
| Stock | Price | P/E | P/B | Dividend yield | ROE | Market cap |
|---|---|---|---|---|---|---|
| LDIloanDepot, Inc. | $0.96 | — | 1.1x | — | -26.71% | $426.77M |
| PTORPraetorian Acquisition Corp. | $9.99 | — | — | — | — | $423.14M |
| PLBCPlumas Bancorp | $61.83 | 12.2x | 1.6x | 2.13% | 15.41% | $430.28M |
| KRAQKRAKacquisition Corp | $9.98 |
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 securities, including U.S. treasury securities, fixed-rate mortgage-backed securities and collateralized mortgage obligations, fixed-rate investment grade bonds, and corporate debt securities. In addition, the company offers personal and commercial insurance products, including homeowners, automobile, and comprehensive business insurance; employee benefit products and consulting services, such as group health, dental, disability, and life insurance products; defined contribution and benefit administration, and human resource management services; and wealth management services comprising investment advice, retirement income planning, estate planning, business succession, and employer retirement planning. Pioneer Bancorp, Inc. was founded in 1889 and is based in Albany, New York. Pioneer Bancorp, Inc. operates as a subsidiary of Pioneer Bancorp MHC.
Company description provided by Yahoo Finance.
| P/B | 1.1x | 1.0x | 1.0x | 1.0x | 1.2x | 1.2x | 1.2x | — |
| EPS | $0.83 | $0.61 | $0.87 | $0.41 | $0.04 | $0.21 | — |
| Profit margin | 18.21% | 21.07% | 18.42% | 27.54% | 18.21% | 1.87% | 8.06% | 11.40% |
| ROE | 5.15% | 6.26% | 5.15% | 8.23% | 4.24% | 0.45% | 2.32% | 5.93% |
Median, not average: a single year of near-zero profit produces a P/E of 400 and would drag an average on its own. P/E years above 200x are left out, the same cut the fair price uses — so this median matches the “its own history” method below. Price and EPS have no median: they are series that grow.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Not the average of the seven numbers above. Four of the seven start from the same earnings per share — Graham, Lynch, sector multiples and its own history — so averaging all seven would let one input count four times and drown out the others. Instead each family produces one number, and the fair price is the average of the families that answered. A family with two working formulas contributes their average, not two votes.
4 methods answered, across 1 families.
Every formula reads the same reported statements and they can be wrong together. The margin is room for that.
-22.5% from the average.
These are models, not forecasts, and not investment advice. Change one assumption and the number changes with it — that is a property of valuation, not a defect of this page.
| — |
| — |
| — |
| — |
| $430.39M |
| AXGSolowin Holdings, Ltd. | $2.23 | — | 16.8x | — | -89.06% | $430.62M |
| TLNCTalon Capital Corp. | $10.22 | — | — | — | — | $432.09M |