Download PDF

1. Company Snapshot

1.a. Company Description

Pioneer Bancorp, Inc.operates as a holding company for Pioneer Savings Bank that provides various banking products and services in New York.The company accepts various deposit products, such as demand, savings, and money market accounts, as well as certificates of deposit accounts.


Its loan products include commercial real estate, commercial and industrial, commercial construction, one- to four-family residential real estate, home equity, and consumer loans; and home equity lines of credit.The company also invests in the U.S. governmental securities, fixed rate collateralized mortgage obligations, mortgage-backed securities, fixed-rate investment grade bonds, and equity securities.In addition, the company offers personal and commercial insurance products, including homeowners, automobile, and comprehensive business insurance; employee benefit products and services, such as group health, dental, disability, and life insurance products, as well as defined contribution, defined 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.


It operates through a network of 22 retail banking offices in Albany, Greene, Rensselaer, Saratoga, Schenectady, and Warren Counties in New York.The company was founded in 1889 and is based in Albany, New York.Pioneer Bancorp, Inc.


operates as a subsidiary of Pioneer Bancorp, MHC.

Show Full description

1.b. Last Insights on PBFS

Have nothing to say about that one ...

1.c. Company Highlights

2. Transcript Summary

Unfortunately this company is not part of our coverage yet. But as part of your subscription plan you can request it by clicking just below and we'll process.

Request Coverage

3. NewsRoom

Card image cap

Olive Garden parent Darden stands by outlook after mixed quarterly results

Sep -22

Source: CNBC

Card image cap

Pioneer CEO Predicts ‘Only Three or Four’ U.S. Oil Stocks Are Worth Buying

Oct -22

Source: barrons

Card image cap

Pioneer Natural Resources Grows, Making Intelligent Moves (NYSE:PXD)

Oct -22

Source: seekingalpha

Card image cap

Vestmark Advisory Solutions Inc. Trims Stock Position in Pioneer Natural Resources (NYSE:PXD)

Oct -22

Source: https://www.thelincolnianonline.com

Card image cap

Crude Oil Prices Pick up on Jobless, Housing Data But Stay in Range

Oct -22

Source: investing

Card image cap

Texas oil deal must navigate potential father-son conflict

Oct -21

Source: https://www.houstonchronicle.com

Card image cap

Pioneer Natural Resources to acquire Parsley Energy in $4.5B deal

Oct -21

Source: https://www.houstonchronicle.com

Card image cap

Pioneer Natural, Parsley Ink $7.6B Deal; RBC Praises Stronger FCF Outlook

Oct -21

Source: https://www.smarteranalyst.com

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (4.50%)

6. Segments

Banking and Related Activities

Expected Growth: 4.5%

Pioneer Bancorp's growth is driven by increasing demand for online banking and credit card services, expansion into new markets, and strategic partnerships. Additionally, the company's focus on digital transformation and investment in technology will further boost its growth prospects.

7. Detailed Products

Commercial Loans

Pioneer Bancorp, Inc. offers a range of commercial loans to businesses, including term loans, lines of credit, and construction loans, to support their growth and expansion plans.

Residential Mortgages

Pioneer Bancorp, Inc. offers a variety of residential mortgage products, including fixed-rate and adjustable-rate mortgages, to help individuals and families achieve their dream of homeownership.

Consumer Loans

Pioneer Bancorp, Inc. offers consumer loans for various personal expenses, such as weddings, vacations, and debt consolidation, with flexible repayment terms and competitive interest rates.

Deposit Accounts

Pioneer Bancorp, Inc. offers a range of deposit accounts, including checking, savings, and certificates of deposit, to help individuals and businesses manage their finances and achieve their savings goals.

Treasury Management Services

Pioneer Bancorp, Inc. offers treasury management services, including cash management, wire transfers, and account reconciliation, to help businesses optimize their cash flow and streamline their financial operations.

Wealth Management Services

Pioneer Bancorp, Inc. offers wealth management services, including investment advice, portfolio management, and retirement planning, to help individuals and families achieve their long-term financial goals.

8. Pioneer Bancorp, Inc.'s Porter Forces

Forces Ranking

Threat Of Substitutes

Pioneer Bancorp, Inc. operates in a highly competitive industry, but the threat of substitutes is mitigated by the complexity and specialization of banking services.

Bargaining Power Of Customers

Pioneer Bancorp, Inc. has a diverse customer base, which reduces the bargaining power of individual customers. Additionally, the company's services are often essential to its customers, making it difficult for them to negotiate better terms.

Bargaining Power Of Suppliers

Pioneer Bancorp, Inc. is not heavily dependent on a single supplier, and the company's suppliers do not have significant bargaining power.

Threat Of New Entrants

The banking industry is highly regulated, and new entrants face significant barriers to entry, including high capital requirements and complex regulatory hurdles. However, the threat of new entrants is still high due to the potential for fintech companies to disrupt the industry.

Intensity Of Rivalry

The banking industry is highly competitive, and Pioneer Bancorp, Inc. operates in a crowded market with many established players. The company must compete aggressively to attract and retain customers.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 0.22%
Debt Cost 6.32%
Equity Weight 99.78%
Equity Cost 6.32%
WACC 6.32%
Leverage 0.22%

11. Quality Control: Pioneer Bancorp, Inc. passed 3 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Stock-Card
USCB Financial Holdings

A-Score: 5.9/10

Value: 6.3

Growth: 5.6

Quality: 7.0

Yield: 2.0

Momentum: 8.0

Volatility: 6.7

1-Year Total Return ->

View Full Report
Stock-Card
Pioneer Bancorp

A-Score: 5.7/10

Value: 5.5

Growth: 4.3

Quality: 6.9

Yield: 0.0

Momentum: 8.5

Volatility: 9.3

1-Year Total Return ->

View Full Report
Stock-Card
AmeriServ Financial

A-Score: 5.5/10

Value: 6.6

Growth: 3.4

Quality: 4.1

Yield: 7.0

Momentum: 6.5

Volatility: 5.7

1-Year Total Return ->

View Full Report
Stock-Card
Norwood Financial

A-Score: 5.1/10

Value: 4.9

Growth: 3.7

Quality: 4.2

Yield: 8.0

Momentum: 3.0

Volatility: 7.0

1-Year Total Return ->

View Full Report
Stock-Card
Middlefield Banc

A-Score: 4.9/10

Value: 3.9

Growth: 4.2

Quality: 6.3

Yield: 6.0

Momentum: 5.0

Volatility: 4.0

1-Year Total Return ->

View Full Report
Stock-Card
William Penn

A-Score: 4.8/10

Value: 6.0

Growth: 4.3

Quality: 4.7

Yield: 1.0

Momentum: 6.0

Volatility: 6.7

1-Year Total Return ->

View Full Report

Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

13.47$

Current Price

13.47$

Potential

-0.00%

Expected Cash-Flows