MARKET WIREReuters • 2h ago
Iran's IRGC Navy says two tankers 'exploded' after hitting mines in Hormuz - ReutersIran's IRGC Navy says two tankers 'exploded' after hitting mines in Hormuz Reuters
Why PBFS Stock advanced +0.28% Today — RQD Quant Desk Flash
$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.
ROARABLE C- • HOLD / WATCH
Cap $450.1M
INTERACTIVE SCENARIO DECK:
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
51
Q2 (-2Q)Grade C-$17.58+3.6% Next Q
54
Q3 (-1Q)Grade C$18.22-0.5% Next Q
56
CurrentGrade C-$18.12+0.2% Hist 90D α
59
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
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”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why PBFS Stock advanced +0.28% Today — RQD Quant Desk Flash
Pioneer Bancorp Inc. (PBFS) advanced +0.28% to $18.12, trading at 74% of its 52-week range ($13 – $19.91). Solid steady margins (6% return on capital), mixed timing at 22x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 74% of its 52-week range ($13 – $19.91) with RSI-14 at 54.1 (NEUTRAL RANGE).
- ▸Volatility Profile: Historical 20-day realized swing band of ±4.4% around $18.12 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C- (Hold) backed by 52% gross margin and $11.1M annual free cash flow.
Live PBFS Headlines & Catalysts
MARKET WIRECNBC • 4h ago
Here are 3 big things we're watching in the stock market in the week aheadThe market could use a few victories in the days ahead, which will be filled with more earnings, an election, and jobs data.
MARKET WIRECNBC • 4h ago
Democratic Rep. Stevens endorses Rogers over El-Sayed in Michigan Senate electionHaley Stevens had lost the Democratic nomination for Senate in Michigan to Abdul El-Sayed earlier this year.
RISK WATCHReuters • 6h ago
Israeli strikes kill eight people in Gaza - medics say - ReutersIsraeli strikes kill eight people in Gaza - medics say Reuters
MARKET WIREReuters • 7h ago
Russia's FSB says minor detained over park attack threat after US tip-off - ReutersRussia's FSB says minor detained over park attack threat after US tip-off Reuters
MARKET WIREReuters • 8h ago
Iran, Qatari mediators hold third day of talks to end US-Iran war - ReutersIran, Qatari mediators hold third day of talks to end US-Iran war Reuters
CATALYSTReuters • 8h ago
Qatar surges, bucking Gulf market slide on Iran war concerns - ReutersQatar surges, bucking Gulf market slide on Iran war concerns Reuters
MARKET WIREReuters • 9h ago
OPEC+ keeps December oil output targets steady ahead of tougher call for 2027 - ReutersOPEC+ keeps December oil output targets steady ahead of tougher call for 2027 Reuters
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
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 0001769663In 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 ENABLEDIs 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 × FREDWhy is PBFS stock moving today?
Why PBFS Stock advanced +0.28% Today — RQD Quant Desk Flash. Solid steady margins (6% return on capital), mixed timing at 22x P/E—hold if owned, no rush to chase.