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

$18.03 -0.50% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $17.98

Pioneer Bancorp Inc. (PBFS) carries a Roarable Rating of D+ (Sell) with 55/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $447.9M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is PBFS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Pioneer Bancorp Inc. (NASDAQ: PBFS) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 55/100 at a spot price of $18.03 (-0.50% 1D, market cap $447.9M). Pillar breakdown: Fundamental Cash Engine 7/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, PBFS ranks #530 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does PBFS compare to AVBC and HBCP in the Financials sector?
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Within the Financials sector (Banks), PBFS carries a Roarable D+ (55/100 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 (57/100 RQD, P/E N/A, ROIC -0.9%, cap $469.3M) and HBCP (Home Bancorp Inc.) posts a D+ grade (53/100 RQD, P/E 10.5x, ROIC 10.6%, cap $477.0M). Among the 5-stock peer group, NECB leads on earnings multiple (9.0x) while NECB leads on capital efficiency (12.6% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for PBFS?
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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.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $17.98 (-0.28%)🧬 Cannibal Buyback (-1.24% YoY Shares)⚙️ Cash Engine: 7/20 (D-) • 70.3% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 55/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.5% avg 90D alpha vs SPY • 51.4% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D+
025507510055
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 C
Cash (7)Whales (10)SEC (13)Macro (13)CEO (12)
Each axis scored 0–20
12M PRICE TARGET CONE-1.3% Base Target
$21 Bull$18 Base$14 Bear
📬 FREE PBFS RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PBFS)Realized 20D OHLCV Swing Band: ±3.8%
Deterministic 5-Pillar Attribution (55/100 Composite)
🔍 WHY PBFS SCORES 55/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (24% of score)

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

▲ #2 Bullish Driver: Macro Regime Fit+13/20 pts (24% of score)

FRED Regime × Technicals: 73% of 52W Range • RSI-14 at 53.5 (NEUTRAL RANGE)

▼ #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)
47
Grade D$17.60+1.5% Next Q
Q2 (-2Q)
50
Grade C-$17.87+1.7% Next Q
Q3 (-1Q)
52
Grade C-$18.18-0.8% Next Q
Current
55
Grade D+$18.03-0.5% Hist 90D α
Trajectory: D (47) → D+ (55)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 55/100 (D+) 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 ($17.87) or 200D SMA ($15.99) invalidates the momentum regime and cuts Target Base ($17.79) toward Bear Floor ($13.88).

🎲 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 55%NO 45%Trade / Inspect Odds →
RSI-14 MOMENTUMNEUTRAL RANGE
53.530 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 RANGE73% OF RANGE
L: $13$18.03H: $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 22 / 40
3. Hidden Risks & Market Weather● WATCH
SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 26 / 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 (58)

22/40 institutional & smart-money positioning score with 13/20 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 Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring PBFS)

  • ✓Walkthrough of PBFS's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
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PBFS // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +26.79%📐 HORIZONTAL RANGE
2026-11-03O $18.12H $18.12L $18.03C $18.03VOL 10.1K
RES: $20.24SUP: $16.81SMA50: $17.87SMA200: $15.99
$20.36$18.51$16.66$14.81$12.96RES $20.24SUP $16.81$18.032026-05-042026-06-172026-08-042026-09-182026-11-03
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

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

Reverse-DCF Expectations Hurdle
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

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 #530 of 1097 ⚔️ AVBC vs PBFS Full Matrix →

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

Industry: Banks (24 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Pioneer Bancorp Inc. (PBFS) ranks #530 by composite RQD confidence (55/100, grade D+) and #728 by equity capitalization ($447.9M). 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 71/100 (B-) compared with PBFS at 55/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
PBFS ACTIVE
Pioneer Bancorp Inc.
D+ 55/100 22.2x — 6.3% -0.50% $447.9M Benchmark Subject
AVBC
Avidia Bancorp Inc.
D+ 57/100 — — -0.9% -0.17% $469.3M /avbc-vs-pbfs →
HBCP
Home Bancorp Inc.
D+ 53/100 10.5x — 10.6% -1.24% $477.0M /hbcp-vs-pbfs →
NECB
NorthEast Community Bancorp Inc.
B- 71/100 9.0x — 12.6% -0.21% $398.0M /necb-vs-pbfs →
TSBK
Timberland Bancorp Inc.
C+ 69/100 12.6x — 10.9% -0.93% $364.1M /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 2026-11-03, Pioneer Bancorp Inc. (NASDAQ: PBFS) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 55/100 at a spot price of $18.03 (-0.50% 1D, market cap $447.9M). Pillar breakdown: Fundamental Cash Engine 7/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, PBFS ranks #530 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 D+ (55/100 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 (57/100 RQD, P/E N/A, ROIC -0.9%, cap $469.3M) and HBCP (Home Bancorp Inc.) posts a D+ grade (53/100 RQD, P/E 10.5x, ROIC 10.6%, cap $477.0M). 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 $18.03 (-0.50% on volume of 10,129 shares), positioning the stock +0.90% above its 50-day simple moving average ($17.87) and +12.76% above its 200-day simple moving average ($15.99). Across its 52-week range of $13.00 to $19.91, PBFS sits at the 72.8% percentile with a 14-day RSI of 53.5 (NEUTRAL RANGE) and an implied next-earnings move of ±3.8% ($17.34 to $18.72).

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
ROARABLE RATING BRIEF • RQD 55/100 (D+) ✓ SEC XBRL & RQD VERIFIED

PBFS — Pioneer Bancorp Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Pioneer Bancorp Inc. (PBFS) earns a live Roarable RQD composite score of 55/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $18.03 (-0.50% 1D, market capitalization $447.9M).

  • Fundamental Cash Engine (7/20): Anchored by return on invested capital (ROIC) of 6.3%, gross margin of —, operating margin of —, and free cash flow yield of 2.47%.
  • Whale 13F & Options Flow (10/20) + Insider Conviction (12/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (13/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Pioneer Bancorp Inc. Is a NASDAQ-listed issuer in the Financials sector, Banks industry. The profile does not describe its products, customer base, or revenue model..5B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Pioneer Bancorp Inc. (PBFS) reported $15.8M in annual revenue (up from $15.0M in FY2024, +5.8% YoY) and $20.3M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($13.0M revenue, $21.9M net income) through FY2025, PBFS scaled operating cash flow to $11.1M and free cash flow to $11.1M, backed by $2.15B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D+ • RQD 55/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of 2.47% and institutional whale pillar of 10/20. With Fundamental Cash Engine at 7/20 and Institutional Whale Flow at 10/20, sustained execution supports upside toward the upper end of the $13.00 – $19.91 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 22.2x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Banks (Financials), PBFS carries a macro regime beta of 1.00 and gross margin of —.

  • Key Question #1: Can PBFS sustain or expand its — operating margin and 6.3% ROIC against Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $15.8M and free cash flow of $11.1M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is PBFS's 20.6x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

PBFS Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Pioneer Bancorp Inc. (PBFS) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to PBFS Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

PBFS Bull vs. Bear Conversation Board — What's Your Call at $18.03?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON PBFS 🐻 33% BEARISH CONVICTION
1. Pick Your Side on PBFS:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
TA TapeReader_Pro RQD DEBATE OPENER • Price Action & Volume Trader 🐂 BULLISH 🎯 Target: $23.44 (+30.0%)
📌 Pinned Debate

Net margin of 68% and a Piotroski F-Score of 5/9 with Altman Z of 2.5 show a profitable, moderately sound balance sheet.

Here is why I am bullish on PBFS here at $18.03: Net margin of 68% and a Piotroski F-Score of 5/9 with Altman Z of 2.5 show a profitable, moderately sound balance sheet.. Compare PBFS's 0.0% operating margin and 6.3% ROIC against the rest of Banks. As long as cash conversion holds up, dips toward $17.13 are getting bought.

ArenaChamp_24 🐂 BULL

@SkepticalCFA Fair point on 22.2x trailing P/E, but you're ignoring the forward operating leverage in Banks. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

SK SkepticalCFA RQD DEBATE OPENER • Fundamental Contrarian 🐻 BEARISH 🎯 Target: $15.33 (-15.0%)
Spot @ $18.03

Free cash flow fell from $26.3M in FY 2023 to $11.1M in FY 2025, and the FCF yield of 2.47% is weak for the price.

Sitting on the sidelines or leaning short PBFS above $18.03. Free cash flow fell from $26.3M in FY 2023 to $11.1M in FY 2025, and the FCF yield of 2.47% is weak for the price.. Until Fundamental Cash Engine (7/20) and FCF yield (2.47%) inflect higher, upside is capped near $19.91.

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