Stock Ratings / Financials / PBFS / insiders

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Pioneer Bancorp Inc. (PBFS) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$18.12 +0.28% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

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.

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

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%

SEC FORM 4 × 13F HEDGE FUNDS × CONGRESSIONAL STOCK ACT

PBFS Smart-Money Thermometer: BALANCED INSTITUTIONAL POSITIONING

Explore All 13F & Congress Whales →

▲ Disclosed Buys: 0 ($0)▼ Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (PBFS)

No recent open-market Form 4 cluster sales or emergency dumps flagged on PBFS. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

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

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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

Are PBFS insiders and hedge funds buying or selling?

Roarable's SEC Form 4 and 13F Whale Thermometer currently classifies PBFS leadership and institutional positioning as: BALANCED INSTITUTIONAL POSITIONING.

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