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About the company
Pioneer Bancorp, Inc. is a bank holding company whose wholly owned subsidiary is Pioneer Bank, National Association (the Bank). It provides diversified financial services through the Bank and its subsidiaries, with 23 offices in the Capital Region of New York State, and offers a broad array of deposit, lending, and other financial services to individuals, businesses, and municipalities. The Bank is a national bank whose wholly owned subsidiaries are Pioneer Insurance Agency, Inc. and Pioneer Financial Services, Inc. Pioneer Insurance Agency, Inc. sells commercial and consumer insurance products and employee benefit products and services. Pioneer Financial Services, Inc. provides wealth management services. The Company primarily grants loans to customers located in the New York State counties of Albany, Greene, Rensselaer, Schenectady, Saratoga, and Warren. The Bank’s principal lending activity is originating commercial real estate loans, commercial and industrial loans, and others.
- Revenue in USD (TTM)105.59m
- Net income in USD19.84m
- Incorporated2019
- Employees255.00
- LocationPioneer Bancorp Inc652 ALBANY-SHAKER ROADALBANY 12211United StatesUSA
- Phone+1 (518) 730-3999
- Websitehttps://investors.pioneerny.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Waterstone Financial Inc | 116.11m | 26.40m | 324.05m | 600.00 | 11.89 | 0.9275 | 15.77 | 2.28 | 1.48 | 1.48 | 7.94 | 19.03 | -- | -- | -- | -- | 1.18 | 1.33 | -- | -- | -- | -- | 18.60 | 17.44 | -- | -- | -- | 54.48 | 2.60 | 8.15 | 41.28 | -20.11 | -- | 4.56 |
| PCB Bancorp | -100.00bn | -100.00bn | 333.56m | 270.00 | -- | 1.04 | -- | -- | -- | -- | -- | 27.41 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Avidbank Holdings Inc | -100.00bn | -100.00bn | 336.43m | 143.00 | -- | 1.23 | -- | -- | -- | -- | -- | 25.00 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 13.97 | -- | 25.08 | -- | -- | -- |
| Northeast Community Bancorp Inc | 154.12m | 44.41m | 343.78m | 136.00 | 7.54 | 0.9775 | 9.97 | 3.28 | 3.26 | 3.26 | 7.70 | 25.19 | -- | -- | -- | -- | 2.18 | 2.20 | -- | -- | -- | -- | 42.37 | 41.30 | -- | -- | -- | 14.99 | -3.68 | 25.77 | -5.65 | 29.22 | -- | 62.19 |
| USCB Financial Holdings Inc | 145.49m | 26.10m | 359.31m | 199.00 | 15.18 | -- | 14.26 | 3.98 | 1.30 | 1.30 | 4.58 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 28.93 | 29.26 | -- | -- | -- | -- | 10.86 | 22.55 | 5.78 | 27.68 | -- | -- |
| Commercial BancGroup Inc | -100.00bn | -100.00bn | 362.04m | 195.00 | -- | 1.32 | -- | -- | -- | -- | -- | 20.03 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 20.05 | -- | 2.34 | -- | -- | -- |
| MVB Financial Corp | 172.89m | 32.16m | 363.44m | 453.00 | 11.75 | 1.11 | 10.34 | 2.08 | 2.46 | 2.46 | 13.32 | 26.07 | -- | -- | -- | -- | 0.9662 | 0.9218 | -- | -- | -- | -- | 18.39 | 17.78 | -- | -- | -- | 27.73 | -2.09 | 17.68 | -10.51 | -5.09 | -4.52 | 28.38 |
| Pioneer Bancorp Inc | 105.59m | 19.84m | 366.93m | 255.00 | 18.25 | 1.17 | 16.51 | 3.92 | 0.8017 | 0.8017 | 3.78 | 12.53 | -- | -- | -- | -- | 0.9317 | -- | -- | -- | -- | -- | 21.21 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| RBB Bancorp | 221.13m | 31.95m | 375.43m | 372.00 | 12.00 | 0.7174 | 15.28 | 2.91 | 1.83 | 1.83 | 7.38 | 30.68 | -- | -- | -- | -- | 0.7792 | 1.11 | -- | -- | -- | -- | 24.74 | 32.61 | -- | -- | -- | 25.98 | 2.06 | 9.71 | 19.81 | -0.6025 | -- | 14.17 |
| Farmers & Merchants Bancorp Inc | 170.83m | 31.31m | 384.31m | 476.00 | 12.00 | 1.06 | 9.96 | 3.32 | 2.33 | 2.33 | 8.62 | 26.31 | -- | -- | -- | -- | 0.9409 | 0.9363 | -- | -- | -- | -- | 27.53 | 26.85 | -- | -- | -- | 40.19 | 17.00 | 19.08 | 12.84 | 6.85 | -11.82 | 8.02 |
| River Financial Corp | 191.25m | 40.43m | 387.50m | 334.00 | 9.65 | 1.40 | 8.78 | 3.03 | 5.18 | 5.18 | 16.41 | 35.75 | -- | -- | -- | -- | 1.10 | 1.00 | -- | -- | -- | -- | 31.59 | 28.55 | -- | -- | -- | 11.64 | 28.62 | 28.36 | 17.12 | 23.02 | 3.06 | -- |
| Avidia Bancorp Inc | 130.55m | -3.29m | 392.29m | -- | -- | 1.04 | -- | 3.77 | -0.1456 | -0.1456 | 5.39 | 18.88 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -3.16 | -- | -- | -- | -- | -- | 5.54 | -- | -128.64 | -- | -- | -- |
| Bankwell Financial Group Inc | 198.33m | 34.75m | 394.21m | 144.00 | 11.23 | 1.31 | 13.56 | 3.64 | 4.44 | 4.44 | 13.86 | 38.16 | -- | -- | -- | -- | 1.06 | 0.971 | -- | -- | -- | -- | 32.49 | 31.26 | -- | -- | -- | 20.31 | 3.30 | 20.68 | 265.17 | 43.03 | -- | 2.71 |
| Blue Ridge Bankshares Inc | 137.77m | 10.71m | 396.09m | 416.00 | 39.82 | 1.22 | 48.34 | 4.30 | 0.1087 | 0.1087 | 0.987 | 3.54 | -- | -- | -- | -- | 0.4143 | 0.1744 | -- | -- | -- | -- | 11.63 | 3.69 | -- | -- | -- | -- | -14.06 | 20.40 | 169.61 | -9.70 | -- | -- |
| Ponce Financial Group Inc | 185.53m | 27.58m | 407.17m | 216.00 | 14.12 | 1.29 | 29.24 | 3.73 | 1.19 | 1.19 | 4.74 | 22.44 | -- | -- | -- | -- | 0.9165 | 0.3191 | -- | -- | -- | -- | 26.28 | 8.84 | -- | -- | -- | -- | 14.07 | 28.31 | 166.87 | 48.24 | -- | -- |
Data as of Feb 10 2026. Currency figures normalised to Pioneer Bancorp Inc's reporting currency: US Dollar USD
18.84%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| M3F, Inc.as of 30 Sep 2025 | 1.88m | 7.51% |
| The Vanguard Group, Inc.as of 31 Dec 2025 | 588.00k | 2.34% |
| BlackRock Fund Advisorsas of 30 Sep 2025 | 537.56k | 2.14% |
| AllianceBernstein LPas of 30 Sep 2025 | 481.48k | 1.92% |
| Private Capital Management LLCas of 30 Sep 2025 | 365.45k | 1.46% |
| Geode Capital Management LLCas of 30 Sep 2025 | 252.72k | 1.01% |
| SSgA Funds Management, Inc.as of 30 Sep 2025 | 181.38k | 0.72% |
| Dimensional Fund Advisors LPas of 30 Sep 2025 | 180.11k | 0.72% |
| First Pacific Advisors LPas of 30 Sep 2025 | 166.97k | 0.67% |
| Renaissance Technologies LLCas of 30 Sep 2025 | 87.76k | 0.35% |
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Data from 30 Sep 2025 - 31 Dec 2025Source: FactSet Research Systems Inc.
