AVBC (56) HBCP (66) NECB (72) TSBK (71) ⌘ Pro Terminal →

Pioneer Bancorp Inc. (PBFS) — RQD Stock Rating Cockpit

$18.12 +0.28% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $18.09

Pioneer Bancorp Inc. (PBFS) carries a Roarable Rating of C- (Hold) with 59/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 59/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.2% avg 90D alpha vs SPY) →

ROARABLE C- • HOLD / WATCH Cap $450.1M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $18.09 (-0.14%)🧬 Cannibal Buyback (-1.24% YoY Shares)⚙️ Cash Engine: 7/20 (D-) • 70.3% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 59/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.2% avg 90D alpha vs SPY • 53.1% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C-

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+0.4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PBFS)Realized 20D OHLCV Swing Band: ±4.4%

Deterministic 5-Pillar Attribution (59/100 Composite)

🔍 WHY PBFS SCORES 59/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+16/20 pts (27% of score)

FRED Regime × Technicals: 74% of 52W Range • RSI-14 at 54.1 (NEUTRAL RANGE)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (22% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▼ #1 Drag / Risk Factor: Cash Engine Quality7/20 pts (-13 pt drag)

Capital intensity & 0% operating margin leave 13 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C-$17.40+1% Next Q

Q2 (-2Q)

Grade C-$17.58+3.6% Next Q

Q3 (-1Q)

Grade C$18.22-0.5% Next Q

Current

Grade C-$18.12+0.2% Hist 90D α

Trajectory: C- (51) → C- (59)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the PBFS Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 59/100 (C-) score, PBFS faces multiple-compression risk if 22.2x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.24% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($17.84) or 200D SMA ($15.94) invalidates the momentum regime and cuts Target Base ($18.20) toward Bear Floor ($14.20).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $PBFS• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “PBFS Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 59%NO 41%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

54.130 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE74% OF RANGE

L: $13$18.12H: $20

1. Money & Cash Health● WEAK

Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: D-RQD 7 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: D+RQD 23 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: BRQD 29 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on PBFS

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BEARISH (35)

6.3% ROIC with 42.0% gross margin and 2.47% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (65)

23/40 institutional & smart-money positioning score with 16/20 macro alignment.

Bull Case: Why Buyers Like PBFS

✓Established market leader in Financials with deep daily trading liquidity.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (PBFS Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

PBFS // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +27.34%📐 HORIZONTAL RANGE

2026-10-30O $18.20H $18.20L $18.01C $18.12VOL 10.1K

RES: $20.22SUP: $16.53SMA50: $17.84SMA200: $15.94

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

PBFS Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 PBFS Butterfly Map → + Track PBFS →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

15.9%/yr Implied 5Y Growth

vs. +5.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on PBFS today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for PBFS. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for PBFS today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (PBFS)

Financials Rank #563 of 1096 ⚔️ AVBC vs PBFS Full Matrix →

1. Head-to-Head Financials Peer Comparison (PBFS vs. AVBC, HBCP, NECB, TSBK)

Industry: Banks (24 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Pioneer Bancorp Inc. (PBFS) ranks #563 by composite RQD confidence (59/100, grade C-) and #729 by equity capitalization ($450.1M). Within this direct 5-issuer industry benchmark cohort, NECB leads on earnings valuation at 9.0x trailing P/E, while NECB leads on capital efficiency and profitability with 12.6% ROIC and — gross margin. NECB currently holds the highest overall quantitative score in the immediate peer group at 72/100 (B) compared with PBFS at 59/100 (C-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
PBFS ACTIVE Pioneer Bancorp Inc.	C-	59/100	22.2x	—	6.3%	+0.28%	$450.1M	Benchmark Subject
AVBC Avidia Bancorp Inc.	D+	56/100	—	—	-0.9%	+1.20%	$470.1M	/avbc-vs-pbfs →
HBCP Home Bancorp Inc.	C+	66/100	10.5x	—	10.6%	-0.11%	$483.0M	/hbcp-vs-pbfs →
NECB NorthEast Community Bancorp Inc.	B	72/100	9.0x	—	12.6%	+1.15%	$398.8M	/necb-vs-pbfs →
TSBK Timberland Bancorp Inc.	B-	71/100	12.6x	—	10.9%	+0.38%	$367.5M	/tsbk-vs-pbfs →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001769663

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Pioneer Bancorp Inc. (PBFS) reported GAAP revenue of $15.8M (+5.8% vs. FY2024 revenue of $15.0M , and +21.9% cumulative change since FY2023) , GAAP net income of $20.3M, operating cash flow of $11.1M, and free cash flow of $11.1M (-51.7% YoY). On the balance sheet, PBFS closed FY2025 with $2.15B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$15.8M	$20.3M	$11.1M	$11.1M	$2.15B	—
FY2024 (FY)	2024-06-30	$15.0M	$15.3M	$23.8M	$23.0M	$1.98B	—
FY2023 (FY)	2023-06-30	$13.0M	$21.9M	$26.3M	$26.3M	—	—

3. PBFS Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is PBFS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Pioneer Bancorp Inc. (NASDAQ: PBFS) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 59/100 at a spot price of $18.12 (+0.28% 1D, market cap $450.1M). Pillar breakdown: Fundamental Cash Engine 7/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 12/20. Across 1096 tracked Financials issuers, PBFS ranks #563 in composite RQD confidence.

How does PBFS compare to AVBC and HBCP in the Financials sector?

Within the Financials sector (Banks), PBFS carries a Roarable C- (59/100 RQD), trailing P/E of 22.2x, gross margin of —, and ROIC of 6.3%. By comparison, AVBC (Avidia Bancorp Inc.) holds a D+ grade (56/100 RQD, P/E N/A, ROIC -0.9%, cap $470.1M) and HBCP (Home Bancorp Inc.) posts a C+ grade (66/100 RQD, P/E 10.5x, ROIC 10.6%, cap $483.0M). Among the 5-stock peer group, NECB leads on earnings multiple (9.0x) while NECB leads on capital efficiency (12.6% ROIC).

What are the biggest fundamental strengths and SEC risk factors for PBFS?

Per PBFS's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001769663), Pioneer Bancorp Inc. generated $15.8M in revenue (+5.8% YoY), $20.3M in net income, and $11.1M in free cash flow against $2.15B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is PBFS trading relative to its 50-day, 200-day, and 52-week technical levels?

PBFS last traded at $18.12 (+0.28% on volume of 14,632 shares), positioning the stock +1.57% above its 50-day simple moving average ($17.84) and +13.68% above its 200-day simple moving average ($15.94). Across its 52-week range of $13.00 to $19.91, PBFS sits at the 74.1% percentile with a 14-day RSI of 54.1 (NEUTRAL RANGE) and an implied next-earnings move of ±4.4% ($17.32 to $18.92).

PBFS Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell PBFS stock right now?

Pioneer Bancorp Inc. (PBFS) currently earns a Roarable Rating of C- (Hold — HOLD) with 59/100 RQD Confidence. Solid steady margins (6% return on capital), mixed timing at 22x P/E—hold if owned, no rush to chase.

What is PBFS's 12-month price target and RQD AI Jury consensus?

PBFS's 12-month base price target is $18.2 (range $14.2 to $21.48), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: PBFS RQD Cockpit PBFS 12M Forecast PBFS Earnings & Move PBFS Dividends & DRIP PBFS Insiders & 13F PBFS Whale Options PBFS Profit Sankey PBFS News & Why