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.
Cyborg Score Rationale
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 ROE and regional market concentration present moderate returns.
Top Insights
15% annual EPS growth over three years demonstrates consistent earnings expansion
Pioneer Bancorp MHC controls 59% ownership, providing extensive influence over corporate direction
22 offices concentrated in Capital Region of New York (Albany, Schenectady, Troy area) with primary focus on commercial real estate and commercial/industrial lending
Recent Q3 2025 institutional activity shows M3F Inc. reduced stake by 9.9%
Named Competitors
Regional Banking - Commercial/Consumer Focus — Regional bank with similar market focus in Northeast
Regional Banking - Community Focus — Community-focused regional bank comparable in size
Mutual Holding Company — Parent holding company controlling 59% of Pioneer Bancorp equity
Recent Developments
(March 2026) M3F Inc. cut Pioneer Bancorp stake by 9.9% in Q3 2025
(January 2026) Q4 2025 earnings reported $0.15 EPS and $25.05M revenue for the quarter
(December 2025) EVP Jesse Tomczak sold 5,301 shares at average price of $14.69
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