Stock Ratings / Financials / PBFS / earnings

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Pioneer Bancorp Inc. (PBFS) Next Earnings Date & Expected ±4.4% Move

$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 →

NEXT EST. WINDOW: Dec 30, 2026 (~58 DAYS)

Historical OHLCV Volatility ±4.4% Swing Band

±$0.80 Expected Swing

MODEL EARNINGS SETUP GAUGE

PBFS Quantitative Pre-Earnings Setup: 59/100

Trailing EPS: $0.82 • YoY Revenue Growth: 5.8%

Model Bullish Setup (59/100)Model Risk Weight (41/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$15.8M	$20.3M	$11.1M	52%
FY 2024	2024-06-30	$15.0M	$15.3M	$23.0M	52%
FY 2023	2023-06-30	$13.0M	$21.9M	$26.3M	52%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating PBFS & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on PBFS
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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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

When is PBFS's next earnings date?

Based on SEC filing cadence, Pioneer Bancorp Inc. (PBFS)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is PBFS stock expected to move on earnings?

Volatility modeling currently projects a ±4.4% event move for PBFS, spanning a range between $17.32 and $18.92.

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