Is Pioneer Bancorp Stock a Good Investment?

Pioneer Bancorp Investment Advice

  PBFS
To provide specific investment advice or recommendations on Pioneer Bancorp stock, we recommend investors consider the following general factors when evaluating Pioneer Bancorp. This will help you to make an informed decision on whether to include Pioneer Bancorp in one of your diversified portfolios:
  • Examine Pioneer Bancorp's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
  • Research Pioneer Bancorp's leadership team and their track record. Good management can help Pioneer Bancorp navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
  • Consider the overall health of the Regional Banks space and any emerging trends that could impact Pioneer Bancorp's business and its evolving consumer preferences.
  • Compare Pioneer Bancorp's performance and market position to its competitors. Analyze how Pioneer Bancorp is positioned in terms of product offerings, innovation, and market share.
  • Check if Pioneer Bancorp pays a dividend and its dividend yield and payout ratio.
  • Review what financial analysts are saying about Pioneer Bancorp's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in Pioneer Bancorp stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Pioneer Bancorp is a good investment.
 
Sell
 
Buy
Strong Hold
Our trade recommendations tool can cross-verify current analyst consensus on Pioneer Bancorp and to analyze the firm potential to grow in the current economic cycle. To make sure Pioneer Bancorp is not overpriced, please check all Pioneer Bancorp fundamentals, including its cash per share, and the relationship between the revenue and short ratio . Given that Pioneer Bancorp has a shares owned by institutions of 24.33 %, we recommend you to check out Pioneer Bancorp market performance and probability of bankruptcy to ensure the company can sustain itself in the current economic cycle given your recent risk tolerance and investing horizon.

Market Performance

Very WeakDetails

Volatility

Very steadyDetails

Hype Condition

StaleDetails

Current Valuation

Fairly ValuedDetails

Odds Of Distress

LowDetails

Economic Sensitivity

Slowly supersedes the marketDetails

Investor Sentiment

AlarmedDetails

Analyst Consensus

Not AvailableDetails

Financial Strenth (F Score)

HealthyDetails

Financial Leverage

Not RatedDetails

Reporting Quality (M-Score)

Possible ManipulatorDetails

Examine Pioneer Bancorp Stock

Researching Pioneer Bancorp's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 57.0% of the company outstanding shares are owned by corporate insiders. The company has price-to-book ratio of 1.02. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. Pioneer Bancorp has Price/Earnings (P/E) ratio of 380.0. The entity had not issued any dividends in recent years.
To determine if Pioneer Bancorp is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Pioneer Bancorp's research are outlined below:
About 57.0% of the company outstanding shares are owned by corporate insiders
Latest headline from news.google.com: Pioneer Bancorp stock hits 52-week high at 12.15 amid growth - Investing.com
Pioneer Bancorp uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Pioneer Bancorp. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Pioneer Bancorp's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
29th of January 2024
Upcoming Quarterly Report
View
31st of December 2023
Next Fiscal Quarter End
View

Know Pioneer Bancorp's Top Institutional Investors

Have you ever been surprised when a price of an equity instrument such as Pioneer Bancorp is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Pioneer Bancorp backward and forwards among themselves. Pioneer Bancorp's institutional investor refers to the entity that pools money to purchase Pioneer Bancorp's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
Shares
Northern Trust Corp2024-12-31
90.4 K
Empowered Funds, Llc2024-12-31
60.2 K
Morgan Stanley - Brokerage Accounts2024-12-31
55 K
Gator Capital Management, Llc2024-12-31
49.7 K
Arrowstreet Capital Limited Partnership2024-12-31
48.2 K
Jpmorgan Chase & Co2024-12-31
37 K
Goldman Sachs Group Inc2024-12-31
35.2 K
Millennium Management Llc2024-12-31
34.4 K
Charles Schwab Investment Management Inc2024-12-31
32.1 K
M3f, Inc.2024-12-31
2.3 M
Vanguard Group Inc2024-12-31
764.2 K
Note, although Pioneer Bancorp's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Pioneer Bancorp's market capitalization trends

The company currently falls under 'Small-Cap' category with a current market capitalization of 308.05 M.

Market Cap

297.52 Million

Pioneer Bancorp's profitablity analysis

Last ReportedProjected for Next Year
Return On Capital Employed 0.01  0.01 
Return On Equity 0.06  0.06 
The company has Profit Margin (PM) of 0.23 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.2 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.2.
Determining Pioneer Bancorp's profitability involves analyzing its financial statements and using various financial metrics to determine if Pioneer Bancorp is a good buy. For example, gross profit margin measures Pioneer Bancorp's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Pioneer Bancorp's profitability and make more informed investment decisions.
Please note, the imprecision that can be found in Pioneer Bancorp's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Pioneer Bancorp. Check Pioneer Bancorp's Beneish M Score to see the likelihood of Pioneer Bancorp's management manipulating its earnings.

Evaluate Pioneer Bancorp's management efficiency

Return On Equity is likely to gain to 0.06 in 2025, whereas Return On Tangible Assets are likely to drop 0 in 2025. Other Current Assets is likely to gain to about 261 M in 2025, whereas Total Assets are likely to drop slightly above 1.8 B in 2025. Pioneer Bancorp's management efficiency ratios could be used to measure how well Pioneer Bancorp manages its routine affairs as well as how well it operates its assets and liabilities.
Last ReportedProjected for Next Year
Book Value Per Share 10.59  12.01 
Tangible Book Value Per Share 10.10  11.64 
Enterprise Value Over EBITDA 3.11  5.45 
Price Book Value Ratio 1.02  1.75 
Enterprise Value Multiple 3.11  5.45 
Price Fair Value 1.02  1.75 
Enterprise Value259.4 M272.4 M
The strategic decisions made by Pioneer Bancorp management significantly impact its financial stability and market performance. Evaluating these factors helps determine whether the stock is a worthwhile investment.
Beta
0.466

Basic technical analysis of Pioneer Stock

As of the 5th of March, Pioneer Bancorp holds the Risk Adjusted Performance of 0.0087, semi deviation of 1.12, and Coefficient Of Variation of 14614.35. Compared to fundamental indicators, the technical analysis model allows you to check existing technical drivers of Pioneer Bancorp, as well as the relationship between them. Please check Pioneer Bancorp variance, value at risk, as well as the relationship between the Value At Risk and skewness to decide if Pioneer Bancorp is priced some-what accurately, providing market reflects its current price of 11.83 per share. Given that Pioneer Bancorp has jensen alpha of 0.0321, we recommend you to check out Pioneer Bancorp's recent market performance to make sure the company can sustain itself at a future point.

Pioneer Bancorp's insider trading activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Pioneer Bancorp insiders, such as employees or executives, is commonly permitted as long as it does not rely on Pioneer Bancorp's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Pioneer Bancorp insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.

Pioneer Bancorp's Outstanding Corporate Bonds

Pioneer Bancorp issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Pioneer Bancorp uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Pioneer bonds can be classified according to their maturity, which is the date when Pioneer Bancorp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

Understand Pioneer Bancorp's technical and predictive indicators

Using predictive indicators to make investment decisions involves analyzing Pioneer Bancorp's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.

Consider Pioneer Bancorp's intraday indicators

Pioneer Bancorp intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Pioneer Bancorp stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

Pioneer Bancorp Corporate Filings

13th of February 2025
Other Reports
ViewVerify
8K
30th of January 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F4
18th of December 2024
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
10Q
12th of November 2024
Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations
ViewVerify
Pioneer Bancorp time-series forecasting models is one of many Pioneer Bancorp's stock analysis techniques aimed to predict future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Pioneer Bancorp's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

Pioneer Stock media impact

Far too much social signal, news, headlines, and media speculation about Pioneer Bancorp that are available to investors today. That information is available publicly through Pioneer media outlets and privately through word of mouth or via Pioneer internal channels. However, regardless of the origin, that massive amount of Pioneer data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of Pioneer Bancorp news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Pioneer Bancorp relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Pioneer Bancorp's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Pioneer Bancorp alpha.

Pioneer Bancorp Sentiment by Major News Outlets

Investor sentiment, mood or attitude towards Pioneer Bancorp can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.

Pioneer Bancorp Corporate Management

Robert NicholsEx OfficerProfile
Thomas CPAExecutive OfficerProfile
Kelli ArnoldExecutive OfficerProfile
James MurphyExecutive OfficerProfile
Jesse TomczakExecutive OfficerProfile

Additional Tools for Pioneer Stock Analysis

When running Pioneer Bancorp's price analysis, check to measure Pioneer Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Pioneer Bancorp is operating at the current time. Most of Pioneer Bancorp's value examination focuses on studying past and present price action to predict the probability of Pioneer Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Pioneer Bancorp's price. Additionally, you may evaluate how the addition of Pioneer Bancorp to your portfolios can decrease your overall portfolio volatility.