Pioneer Bancorp, Inc.: Business Overview, Financials & Competitive Analysis
Pioneer Bancorp, Inc. scores 6/10 on the AskCyborg Cyborg Score (Solid). Profitable regional bank with double-digit EPS growth and conservative management, suitable for value-oriented investors seeking stability over aggressive growth. Revenue grew by 17% to US$92m with similar EBIT margins. The company had a net margin of 16.17% and return on equity of 6.38%. While profitable with steady growth, the.
What is Pioneer Bancorp, Inc.'s industry? Pioneer Bancorp, Inc. (pioneerny.com) operates in Regional Banking & Financial Services. AskCyborg classifies Pioneer Bancorp, Inc. under Regional Banking & Financial Services in its company registry.
Pioneer Bancorp is a bank holding company providing diversified financial services through Pioneer Bank, National Association, with 23 offices in the Capital Region of New York State, offering deposit, lending, and ot...
Cyborg Score thesis
Profitable regional bank with double-digit EPS growth and conservative management, suitable for value-oriented investors seeking...
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Get Current Report FreePioneer Bancorp, Inc. Overview
Pro stress-test →Pioneer Bancorp is a bank holding company providing diversified financial services through Pioneer Bank, National Association, with 23 offices in the Capital Region of New York State, offering deposit, lending, and other financial services to individuals, businesses, and municipalities. The company is a regional community bank focused on commercial real estate, commercial and industrial lending, and consumer banking.
Strategic Profile
Pro stress-test →Pioneer Bancorp managed to grow EPS by 15% per year over three years, demonstrating solid earnings momentum if sustainable. The CEO compensation of US$668k is modest, suggesting a board focused on shareholder interests. The company operates as a stable, profitable regional bank with disciplined management and consistent growth.
Competitive Landscape
Pro stress-test →Pioneer Bancorp competes with regional and community banks in upstate New York including Dime Community Bancshares, Nicolet Bankshares, and other regional players. As a mid-sized regional bank with ~$1B+ in assets, it faces competition from larger national banks and other regional institutions on lending rates, deposit products, and service convenience.
Industry Context
Pioneer Bancorp, Inc. operates in Regional Banking & Financial Services.
Key facts
Founded: 1889 · Headquarters: Albany, NY · Employees: 267 · Revenue: $92M · Market cap: $0.37B