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Pioneer Bancorp, Inc. (PBFS)

USD17.08 +0.30 (+1.79%)
US NASDAQ Financial Services Banks - Regional
Address 652 Albany Shaker Road 12211
Albany, NY, US
CEO Thomas L. Amell
IPO 2019-07-18
CIK 1769663 ISIN US7235611065

Explore sections of this company profile

Description

Pioneer Bancorp, Inc., founded in 1889 and based in Albany, New York, serves as the holding company for Pioneer Savings Bank. It offers a wide spectrum of financial products and services throughout New York. The company's banking services include various deposit options such as checking, savings, and money market accounts, as well as certificates of deposit. Its lending portfolio spans commercial real estate, commercial and industrial financing, commercial construction, residential mortgages for one-to-four family homes, home equity loans, home equity lines of credit, and consumer loans. Beyond traditional banking, Pioneer Bancorp allocates capital to U.S. governmental securities, fixed-rate collateralized mortgage obligations, mortgage-backed securities, investment-grade bonds with fixed rates, and equity securities. The organization also extends its offerings to include insurance products, providing coverage for homeowners, automobiles, and comprehensive business needs. Additionally, it delivers employee benefit solutions, encompassing group health, dental, disability, and life insurance, alongside administrative services for defined contribution and benefit plans, and human resource management. Wealth management services are also available, comprising investment guidance, retirement income and estate planning, business succession strategies, and employer retirement program development. With a network of 22 retail banking branches, the company serves clients across Albany, Greene, Rensselaer, Saratoga, Schenectady, and Warren Counties in New York. Pioneer Bancorp, Inc. operates as a subsidiary of Pioneer Bancorp, MHC.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD17.08 +0.30 (+1.79%)
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Volume Profile
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Liquidity & share structure
Average Volume
19.5K
Beta
0.43
Float Shares
10.31M
Free Float %
41.1%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+1.24% -0.47% +2.58% +0.75% +9.46% +9.05% +24.68% +77.97% +22.50% -0.34% -0.34%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
17.08
DCF (Unlevered) 22.07 +29.2%
DCF (Levered) 68.75 +302.5%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
1.39
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
5 / 5
High
ROE Score
2 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
2 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    -10.7% Q1'26: +9.0% (vs Q1'25)
  • EPS growth
    +24.6% Q1'26: -4.3% (vs Q1'25)
  • FCF margin
    Q1'26: -0.5% (vs Q1'25)
  • EBIT margin
    Q1'26: +17.7% (vs Q1'25)
  • ROIC
    Q1'26: +21.0% (vs Q1'25)
  • Share dilution
    -0.5% Q1'26: -2.4% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 0.00× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.41) × ERP
WACC = 100% × Ke + 0% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 22.07 Current price: 17.08
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-11 B 3/5 5/5 2/5 3/5 1/5 2/5 3/5
2026-05-08 C 2/5 5/5 1/5 1/5 1/5 2/5 1/5
2026-05-07 C 2/5 5/5 1/5 1/5 1/5 2/5 1/5
2026-05-06 C 2/5 5/5 1/5 1/5 1/5 2/5 1/5
2026-05-05 C 2/5 5/5 1/5 1/5 1/5 2/5 1/5
2026-05-04 C 2/5 5/5 1/5 1/5 1/5 2/5 1/5
2026-05-01 B+ 3/5 5/5 2/5 4/5 3/5 2/5 3/5
2026-04-30 B+ 3/5 5/5 2/5 4/5 3/5 2/5 3/5
2026-04-29 B+ 3/5 5/5 2/5 4/5 3/5 2/5 3/5
2026-04-28 B+ 3/5 5/5 2/5 4/5 3/5 2/5 3/5
2026-04-27 B+ 3/5 5/5 2/5 4/5 2/5 2/5 3/5
2026-04-24 B+ 3/5 5/5 3/5 4/5 2/5 2/5 3/5
2026-04-23 B+ 3/5 5/5 3/5 4/5 2/5 2/5 3/5
2026-04-22 B+ 3/5 5/5 3/5 4/5 2/5 2/5 3/5
2026-04-21 B+ 3/5 5/5 3/5 4/5 2/5 2/5 3/5
2026-04-20 B+ 3/5 5/5 3/5 4/5 2/5 2/5 3/5
2026-04-17 B+ 3/5 5/5 3/5 4/5 2/5 2/5 3/5
2026-04-16 B+ 3/5 5/5 3/5 4/5 2/5 2/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
16.38M
OE per share TTM
0.67
Owner's Yield
4.68%
Maintenance CapEx ratio
50.86%
Maint CapEx / Avg PPE
52.5%

Ownership Overview

Ownership breakdown
At a glance
Institutional holders
16
Total invested
29.94M
Insider transactions (90d)
0
Beneficial owners (>5%)
12
Beneficial owners (>5%)
# Reporting person Amount owned % of class Sole voting Shared voting Sole dispositive Shared dispositive Type Citizenship Filing date SEC filing
1 Pioneer Bancorp, MHC 14.29M 55.00% 14.29M 14.29M 10.00 HC United States of America 2019-07-18
2 FJ Capital Management LLC 2.01M 7.75% 2.01M IA Delaware 2022-02-10
3 Martin Friedman 2.01M 7.75% 2.01M IN United States 2022-02-10
4 Jason A. Stock 1.34M 5.16% 1.34M 1.34M IN UNITED STATES OF AMERICA 2022-04-21
5 M3 FUNDS, LLC 1.34M 5.16% 1.34M 1.34M OO STATE OF DELAWARE, UNITED STATES OF AMERICA 2022-04-21
6 M3 PARTNERS, LP 1.34M 5.16% 1.34M 1.34M PN STATE OF DELAWARE, UNITED STATES OF AMERICA 2022-04-21
7 M3F, INC. 1.34M 5.16% 1.34M 1.34M IA, CO STATE OF UTAH, UNITED STATES OF AMERICA 2022-04-21
8 William C. Waller 1.34M 5.16% 1.34M 1.34M IN UNITED STATES OF AMERICA 2022-04-21
9 Financial Opportunity Fund LLC 915.6K 3.52% 915.6K OO Delaware 2022-02-10
10 Financial Hybrid Opportunity SPVI LLC 657.3K 2.53% 657.3K OO Delaware 2022-02-10
11 Financial Hybrid Opportunity Fund LLC 301.7K 1.16% 301.7K OO Delaware 2022-02-10
12 Financial Opportunity Long/Short Fund LLC 38.0K 0.15% 38.0K OO Delaware 2022-02-10

Institutional Activity (13F)

Institutional ownership trend From To
13F snapshot — 2026 Q1
Investors holding
16
-59 vs prev Q
New positions
3
Closed positions
62
Increased
6
Reduced
3
Put/Call ratio
0.00
Calls held
Puts held
Top institutional holders
# Investor Shares / Δ Mkt value / Δ Own% / Δ Weight% / Δ Avg px / Perf. Hold / Status
1 M3F, INC. 2.03M +149.8K (+7.9%) 27.42M +2.8M (+11.4%) 8.44% +0.754 pp 7.53% +0.557 pp USD10.75 +25.4% 26 qtrs
2 VANGUARD GROUP INC 652.5K +15.2K (+2.4%) 8.80M +472.5K (+5.7%) 2.71% +0.108 pp 0.00% +0.000 pp USD11.30 +19.3% 26 qtrs
3 BLACKROCK, INC. 615.3K +4.7K (+0.8%) 8.29M +320.1K (+4.0%) 2.55% +0.063 pp 0.00% +0.000 pp USD10.99 +22.7% 6 qtrs
4 ALLIANCEBERNSTEIN L.P. 488.3K +6.8K (+1.4%) 6.58M +293.6K (+4.7%) 2.03% +0.062 pp 0.00% +0.000 pp USD11.98 +12.5% 26 qtrs
5 PRIVATE CAPITAL MANAGEMENT, LLC 362.4K -3.0K (-0.8%) 4.89M +112.8K (+2.4%) 1.50% +0.013 pp 0.45% +0.022 pp USD11.82 +14.0% 4 qtrs
6 GEODE CAPITAL MANAGEMENT, LLC 252.9K +155.0 (+0.1%) 3.41M +108.2K (+3.3%) 1.05% +0.018 pp 0.00% +0.000 pp USD11.51 +17.1% 26 qtrs
7 DIMENSIONAL FUND ADVISORS LP 216.1K -1.1K (-0.5%) 2.91M +76.5K (+2.7%) 0.90% +0.011 pp 0.00% +0.000 pp USD10.40 +29.6% 15 qtrs
8 STATE STREET CORP 180.7K -680.0 (-0.4%) 2.44M +67.0K (+2.8%) 0.75% +0.010 pp 0.00% +0.000 pp USD12.49 +7.9% 26 qtrs
9 FIRST PACIFIC ADVISORS, LP 167.0K +— (+0.0%) 2.25M +70.1K (+3.2%) 0.69% +0.012 pp 0.03% -0.001 pp USD10.10 +33.5% 8 qtrs
10 NORTHERN TRUST CORP 77.1K -7.2K (-8.5%) 1.04M -61.4K (-5.6%) 0.32% -0.024 pp 0.00% +0.000 pp USD12.04 +12.0% 26 qtrs
11 BRIDGEWAY CAPITAL MANAGEMENT, LLC 75.1K +— (+0.0%) 1.01M +31.6K (+3.2%) 0.31% +0.005 pp 0.02% +0.000 pp USD10.13 +33.1% 13 qtrs
12 EMPOWERED FUNDS, LLC 75.1K +— (+0.0%) 1.01M +31.6K (+3.2%) 0.31% +0.005 pp 0.01% -0.002 pp USD9.90 +36.2% 11 qtrs
13 RENAISSANCE TECHNOLOGIES LLC 74.0K -13.8K (-15.7%) 997.2K -148.9K (-13.0%) 0.31% -0.051 pp 0.00% +0.000 pp USD11.27 +19.6% 6 qtrs
14 ARROWSTREET CAPITAL, LIMITED PARTNERSHIP 52.7K +— (+0.0%) 710.9K +22.2K (+3.2%) 0.22% +0.004 pp 0.00% +0.000 pp USD11.34 +18.9% 6 qtrs
15 GATOR CAPITAL MANAGEMENT, LLC 42.1K +500.0 (+1.2%) 567.5K +24.2K (+4.5%) 0.17% +0.005 pp 0.12% -0.023 pp USD11.16 +20.8% 6 qtrs
16 AQR CAPITAL MANAGEMENT LLC 38.0K +5.5K (+16.9%) 511.6K +87.6K (+20.7%) 0.16% +0.025 pp 0.00% +0.000 pp USD12.48 +8.0% 4 qtrs
17 GOLDMAN SACHS GROUP INC 34.2K +5.3K (+18.2%) 461.2K +83.1K (+22.0%) 0.14% +0.024 pp 0.00% +0.000 pp USD11.50 +17.2% 7 qtrs
18 MORGAN STANLEY 33.1K +1.8K (+5.8%) 445.6K +37.5K (+9.2%) 0.14% +0.010 pp 0.00% +0.000 pp USD10.90 +23.7% 26 qtrs
19 CHARLES SCHWAB INVESTMENT MANAGEMENT INC 31.3K +271.0 (+0.9%) 421.5K +16.7K (+4.1%) 0.13% +0.003 pp 0.00% +0.000 pp USD11.91 +13.2% 26 qtrs
20 MARTINGALE ASSET MANAGEMENT L P 29.4K -9.0 (0.0%) 396.7K +12.2K (+3.2%) 0.12% +0.002 pp 0.01% +0.000 pp USD11.53 +16.9% 5 qtrs
21 BANK OF NEW YORK MELLON CORP 27.5K -1.5K (-5.2%) 370.2K -8.2K (-2.2%) 0.11% -0.004 pp 0.00% +0.000 pp USD12.40 +8.7% 26 qtrs
22 LOS ANGELES CAPITAL MANAGEMENT LLC 19.6K +— (+0.0%) 257.0K +980.0 (+0.4%) 0.08% +0.001 pp 0.00% +0.000 pp USD12.11 +11.3% 3 qtrs
23 ROYAL BANK OF CANADA 18.3K +80.0 (+0.4%) 246.0K +8.0K (+3.4%) 0.08% +0.002 pp 0.00% +0.000 pp USD11.42 +18.0% 26 qtrs
24 MILLENNIUM MANAGEMENT LLC 17.2K -9.4K (-35.3%) 231.9K -115.6K (-33.3%) 0.07% -0.037 pp 0.00% 0.000 pp USD12.02 +12.1% 6 qtrs
25 BARCLAYS PLC 17.1K -1.6K (-8.6%) 231.0K +25.3K (+12.3%) 0.07% -0.005 pp 0.00% +0.000 pp USD11.26 +19.7% 16 qtrs
26 FAGAN ASSOCIATES, INC. 17.0K +— (+0.0%) 229.2K +7.1K (+3.2%) 0.07% +0.001 pp 0.03% 0.000 pp USD10.01 +34.7% 26 qtrs
27 CAPTRUST FINANCIAL ADVISORS 16.9K +107.0 (+0.6%) 227.4K +8.5K (+3.9%) 0.07% +0.002 pp 0.00% +0.000 pp USD11.76 +14.6% 4 qtrs
28 CITADEL ADVISORS LLC 15.8K -7.7K (-32.8%) 213.1K -94.2K (-30.7%) 0.07% -0.030 pp 0.00% +0.000 pp USD11.08 +21.7% 7 qtrs
29 RHUMBLINE ADVISERS 14.9K -1.6K (-9.6%) 201.0K -14.4K (-6.7%) 0.06% -0.005 pp 0.00% +0.000 pp USD9.96 +35.3% 23 qtrs
30 NUVEEN, LLC 13.5K +— (+0.0%) 181.4K +5.7K (+3.2%) 0.06% +0.001 pp 0.00% +0.000 pp USD11.71 +15.1% 4 qtrs
31 WELLS FARGO & COMPANY/MN 13.3K +3.7K (+38.6%) 179.9K +54.1K (+43.1%) 0.06% +0.016 pp 0.00% +0.000 pp USD11.54 +16.8% 12 qtrs
32 SEQUOIA FINANCIAL ADVISORS, LLC 11.0K +— (+0.0%) 147.8K +4.6K (+3.2%) 0.05% +0.001 pp 0.00% +0.000 pp USD11.40 +18.2% 13 qtrs
33 BANK OF AMERICA CORP /DE/ 10.7K +5.3K (+98.8%) 143.9K +73.8K (+105.2%) 0.04% +0.022 pp 0.00% +0.000 pp USD12.14 +11.0% 26 qtrs
34 DEUTSCHE BANK AG\ 9.4K +2.0K (+27.4%) 126.2K +30.2K (+31.5%) 0.04% +0.009 pp 0.00% +0.000 pp USD13.15 +2.5% 2 qtrs
35 METLIFE INVESTMENT MANAGEMENT, LLC 6.9K +— (+0.0%) 93.0K +2.9K (+3.2%) 0.03% +0.001 pp 0.00% +0.000 pp USD11.71 +15.1% 4 qtrs
36 RUSSELL INVESTMENTS GROUP, LTD. 6.2K +2.1K (+52.7%) 83.3K +30.4K (+57.6%) 0.03% +0.009 pp 0.00% +0.000 pp USD12.96 +4.0% 6 qtrs
37 FARTHER FINANCE ADVISORS, LLC 6.0K +16.0 (+0.3%) 81.1K +2.7K (+3.5%) 0.03% +0.001 pp 0.00% 0.000 pp USD10.82 +24.6% 9 qtrs
38 MIRAE ASSET GLOBAL ETFS HOLDINGS LTD. 5.2K -49.0 (-0.9%) 70.3K +1.6K (+2.3%) 0.02% +0.000 pp 0.00% +0.000 pp USD10.50 +28.4% 7 qtrs
39 STRS OHIO 5.1K +— (+0.0%) 68.7K +2.1K (+3.2%) 0.02% +0.000 pp 0.00% +0.000 pp USD11.22 +20.1% 6 qtrs
40 NORTHWESTERN MUTUAL WEALTH MANAGEMENT CO 795.00 +45.0 (+6.0%) 62.7K +52.9K (+539.7%) 0.00% +0.000 pp 0.00% +0.000 pp USD9.21 +46.4% 11 qtrs
41 JPMORGAN CHASE & CO 4.4K -135.0 (-3.0%) 59.3K +84.0 (+0.1%) 0.02% 0.000 pp 0.00% +0.000 pp USD11.18 +20.6% 26 qtrs
42 NEW YORK STATE COMMON RETIREMENT FUND 4.0K +— (+0.0%) 53.9K +1.7K (+3.2%) 0.02% +0.000 pp 0.00% +0.000 pp USD13.60 -0.9% 26 qtrs
43 ADVISOR GROUP HOLDINGS, INC. 3.0K -63.0 (-2.1%) 40.4K +287.0 (+0.7%) 0.01% +0.000 pp 0.00% +0.000 pp USD11.53 +16.9% 5 qtrs
44 CWM, LLC 2.9K +270.0 (+10.3%) 39.0K +5.0K (+14.7%) 0.01% +0.001 pp 0.00% +0.000 pp USD12.24 +10.1% 7 qtrs
45 POLICE & FIREMEN'S RETIREMENT SYSTEM OF NEW JERSEY 2.6K +— (+0.0%) 35.4K +1.1K (+3.2%) 0.01% +0.000 pp 0.00% +0.000 pp USD12.03 +12.1% 3 qtrs
46 BNP PARIBAS ARBITRAGE, SNC 2.5K +300.0 (+13.7%) 33.5K +5.0K (+17.4%) 0.01% +0.001 pp 0.00% +0.000 pp USD12.37 +9.0% 5 qtrs
47 UBS GROUP AG 2.3K -2.1K (-47.6%) 30.6K -26.0K (-45.9%) 0.01% -0.008 pp 0.00% +0.000 pp USD10.45 +29.0% 26 qtrs
48 CITIGROUP INC 1.1K -898.0 (-44.3%) 15.2K -11.3K (-42.5%) 0.00% -0.004 pp 0.00% +0.000 pp USD10.57 +27.5% 26 qtrs
49 LEGAL & GENERAL GROUP PLC 1.1K +— (+0.0%) 14.7K +459.0 (+3.2%) 0.00% +0.000 pp 0.00% +0.000 pp USD10.14 +32.9% 26 qtrs
50 FEDERATION DES CAISSES DESJARDINS DU QUEBEC 1.0K +— (+0.0%) 13.5K +420.0 (+3.2%) 0.00% +0.000 pp 0.00% +0.000 pp USD10.97 +22.9% 6 qtrs
51 AMERITAS INVESTMENT PARTNERS, INC. 918.00 +— (+0.0%) 12.4K +386.0 (+3.2%) 0.00% +0.000 pp 0.00% +0.000 pp USD12.49 +7.9% 26 qtrs
52 TOWER RESEARCH CAPITAL LLC (TRC) 842.00 -168.0 (-16.6%) 11.4K -1.8K (-14.0%) 0.00% -0.001 pp 0.00% 0.000 pp USD11.48 +17.4% 23 qtrs
53 CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM 673.00 -172.0 (-20.4%) 9.1K -2.0K (-17.8%) 0.00% -0.001 pp 0.00% +0.000 pp USD12.39 +8.8% 26 qtrs
54 STERLING CAPITAL MANAGEMENT LLC 634.00 -142.0 (-18.3%) 8.5K -1.6K (-15.7%) 0.00% -0.001 pp 0.00% +0.000 pp USD12.47 +8.1% 6 qtrs
55 UBS ASSET MANAGEMENT AMERICAS INC 567.00 +567.0 (+100.0%) 7.6K +7.6K (+100.0%) 0.00% +0.002 pp 0.00% +0.000 pp USD13.48 +0.0% 1 qtrs NEW
56 AMALGAMATED BANK 346.00 -54.0 (-13.5%) 5.0K +— (+0.0%) 0.00% 0.000 pp 0.00% +0.000 pp USD10.48 +28.6% 16 qtrs
57 288.00 +288.0 (+100.0%) 3.9K +3.9K (+100.0%) 0.00% +0.001 pp 0.00% +0.003 pp USD13.48 +0.0% 1 qtrs NEW
58 FMR LLC 257.00 +45.0 (+21.2%) 3.5K +695.0 (+25.1%) 0.00% +0.000 pp 0.00% +0.000 pp USD11.14 +21.0% 16 qtrs
59 OPTIVER HOLDING B.V. 166.00 +— (+0.0%) 2.2K +70.0 (+3.2%) 0.00% +0.000 pp 0.00% +0.000 pp USD13.05 +3.3% 2 qtrs
60 COVESTOR LTD 165.00 -3.0 (-1.8%) 2.0K +— (+0.0%) 0.00% +0.000 pp 0.00% 0.000 pp USD11.72 +15.0% 4 qtrs
61 TRIPLETAIL WEALTH MANAGEMENT, LLC 25.0K +23.3K (+1,380.0%) 1.7K -20.3K (-92.3%) 0.10% +0.097 pp 0.00% -0.024 pp USD13.45 +0.2% 2 qtrs
62 EVERSOURCE WEALTH ADVISORS, LLC 101.00 +8.0 (+8.6%) 1.4K +147.0 (+12.1%) 0.00% +0.000 pp 0.00% +0.000 pp USD12.37 +9.0% 4 qtrs
63 IFP ADVISORS, INC 67.00 +26.0 (+63.4%) 903.00 +368.0 (+68.8%) 0.00% +0.000 pp 0.00% +0.000 pp USD12.72 +6.0% 5 qtrs
64 ALLWORTH FINANCIAL LP 48.00 +4.0 (+9.1%) 648.00 +73.0 (+12.7%) 0.00% +0.000 pp 0.00% +0.000 pp USD12.65 +6.6% 3 qtrs
65 PNC FINANCIAL SERVICES GROUP, INC. 41.00 +6.0 (+17.1%) 553.00 +96.0 (+21.0%) 0.00% +0.000 pp 0.00% +0.000 pp USD12.07 +11.7% 4 qtrs
66 TRUE WEALTH DESIGN, LLC 40.00 -1.0 (-2.4%) 540.00 +4.0 (+0.7%) 0.00% +0.000 pp 0.00% +0.000 pp USD11.73 +14.9% 6 qtrs
67 OPTIMA CAPITAL LLC 40.00 +40.0 (+100.0%) 539.00 +539.0 (+100.0%) 0.00% +0.000 pp 0.00% +0.000 pp USD13.48 +0.0% 1 qtrs NEW
68 BARE FINANCIAL SERVICES, INC 36.00 +36.0 (+100.0%) 485.00 +485.0 (+100.0%) 0.00% +0.000 pp 0.00% +0.000 pp USD13.47 +0.1% 1 qtrs NEW
69 GAMMA INVESTING LLC 36.00 -8.0 (-18.2%) 485.00 -90.0 (-15.7%) 0.00% +0.000 pp 0.00% +0.000 pp USD11.69 +15.3% 4 qtrs
70 NISA INVESTMENT ADVISORS, LLC 20.00 -1.0K (-98.0%) 270.00 -13.1K (-98.0%) 0.00% -0.004 pp 0.00% 0.000 pp USD10.40 +29.6% 7 qtrs
71 ROTHSCHILD INVESTMENT LLC 7.00 +6.0 (+600.0%) 94.00 +81.0 (+623.1%) 0.00% +0.000 pp 0.00% +0.000 pp USD13.29 +1.4% 2 qtrs
72 SJS INVESTMENT CONSULTING INC. 1.00 +1.0 (+100.0%) 14.00 +14.0 (+100.0%) 0.00% +0.000 pp 0.00% +0.000 pp USD13.00 +3.7% 1 qtrs NEW
73 MAI CAPITAL MANAGEMENT 1.00 +1.0 (+100.0%) 14.00 +14.0 (+100.0%) 0.00% +0.000 pp 0.00% +0.000 pp USD13.00 +3.7% 1 qtrs NEW
74 SUNBELT SECURITIES, INC. 1.00 +— (+0.0%) 13.00 +— (+0.0%) 0.00% +0.000 pp 0.00% +0.000 pp USD13.00 +3.7% 2 qtrs
75 SBI SECURITIES CO., LTD. 1.00 +— (+0.0%) 13.00 +— (+0.0%) 0.00% +0.000 pp 0.00% +0.000 pp USD11.00 +22.5% 5 qtrs
76 JANE STREET GROUP, LLC -22.3K (-100.0%) -290.7K (-100.0%) 0.00% -0.091 pp 0.00% +0.000 pp USD 7 qtrs SOLD
77 PANAGORA ASSET MANAGEMENT INC -10.3K (-100.0%) -134.2K (-100.0%) 0.00% -0.042 pp 0.00% -0.001 pp USD 11 qtrs SOLD
78 BREAKWATER INVESTMENT MANAGEMENT -38.0 (-100.0%) -497.0 (-100.0%) 0.00% 0.000 pp 0.00% 0.000 pp USD 2 qtrs SOLD
79 MARQUETTE ASSET MANAGEMENT, LLC -193.0 (-100.0%) -2.5K (-100.0%) 0.00% -0.001 pp 0.00% 0.000 pp USD 2 qtrs SOLD
80 SRS CAPITAL ADVISORS, INC. -1.6K (-100.0%) -21.3K (-100.0%) 0.00% -0.007 pp 0.00% 0.000 pp USD 2 qtrs SOLD
81 CLEARSTEAD ADVISORS, LLC -31.0 (-100.0%) -405.0 (-100.0%) 0.00% 0.000 pp 0.00% +0.000 pp USD 3 qtrs SOLD
Ownership breakdown by holder

ETF Ownership

Top ETFs holding this stock Held by 46 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 EA Bridgeway Omni Small-Cap Value ETF BSVO 0.05% 875.3K 0.47%
2 iShares Micro-Cap ETF IWC 0.04% 609.9K 0.60%
3 iShares Russell 2000 Value ETF IWN 0.01% 1.83M 0.24%
4 Vanguard Russell 2000 Value ETF VTWV 0.01% 130.0K 0.06%
5 U.S. Micro Cap Portfolio ETF DFMC 0.01% 557.8K 0.43%
6 Invesco Russell 2000 Dynamic Multifactor ETF OMFS 0.01% 19.6K 0.39%
7 iShares Russell 2000 BuyWrite ETF IWMW 0.01% 3.3K 0.39%
8 iShares Russell 2000 ETF IWM 0.01% 4.84M 0.19%
9 iShares U.S. Small Cap Index ETF (CAD-Hedged) XSU.TO 0.01% 31.6K 0.36%
10 Xtrackers Russell 2000 UCITS ETF 1C XRSU.L 0.01% 163.9K 0.30%

Insider Activity

Insider Activity — Latest Quarter
Ratio by transactions
0.00
Bearish
Ratio by volume
0.00
Bearish
Buys
0
Sells
4
Shares acquired
Shares disposed
9.0K
Cash buys
Cash sales
Net activity
-9,009
Insider buys vs sells (history) From To
Recent insider transactions From To
Date Person Role Transaction A/D Security Shares Price Value Owned after D/I Filing
2025-12-12 Tomczak Jesse Officer S-Sale D Common Stock 156 14.60 2.3K 46,239 D
2025-12-11 Ratsep Thomas E. Officer A-Award A Stock Options 0 14.46 40,000 D
2025-10-20 Ratsep Thomas E. Officer Common Stock 0 0.00 0 D
2025-05-21 Tomczak Jesse Officer F-InKind D Common Stock 3,605 11.78 42.5K 46,395 D
2025-05-21 Signor Thomas Officer F-InKind D Common Stock 1,442 11.78 17.0K 18,558 D
2025-05-21 Hollister Susan M Officer F-InKind D Common Stock 2,523 11.78 29.7K 32,477 D
2025-05-21 Arnold Kelli Officer F-InKind D Common Stock 1,439 11.78 17.0K 18,561 D
2024-12-17 Seifert Charles Director A-Award A Stock Options 0 11.77 10,000 D
2024-07-16 Seifert Charles Director D Common Stock 0 0.00 150
2024-06-13 Mahoney Shaun Director P-Purchase A Common Stock 4,500 10.41 46.8K 4,500
2024-06-06 Hollister Susan M Officer I-Discretionary A Common Stock 7,074 10.06 71.1K 7,074
2024-05-21 Tomczak Jesse Officer A-Award A Common Stock 50,000 0.00 50,000
2024-05-21 Taylor Madeline Director A-Award A Common Stock 15,000 0.00 24,100
2024-05-21 Signor Thomas Officer A-Award A Common Stock 20,000 0.00 20,000
2024-05-21 Reinfurt Edward Director A-Award A Common Stock 15,000 0.00 30,000
2024-05-21 Reed James K Director A-Award A Stock Options 0 9.39 25,000
2024-05-21 Murphy James Edward Officer A-Award A Stock Options 0 9.39 25,000
2024-05-21 Mahoney Shaun Director A-Award A Stock Options 0 9.39 25,000
2024-05-21 Hughes Patrick J Officer A-Award A Common Stock 50,000 0.00 60,087
2024-05-21 Hollister Susan M Officer A-Award A Common Stock 35,000 0.00 35,000
2024-05-21 Hengsterman Stacy Director A-Award A Stock Options 0 9.39 25,000
2024-05-21 Bagnoli Eileen C Director A-Award A Stock Options 0 9.39 25,000
2024-05-21 Arnold Kelli Officer A-Award A Stock Options 0 9.39 40,000
2024-05-21 Amell Thomas L Director / Officer A-Award A Stock Options 0 9.39 200,000
2024-03-22 Mahoney Shaun Director L-Small A Common Stock 150 9.29 1.4K 150
2024-03-22 Hengsterman Stacy Director L-Small A Common Stock 113 9.29 1.0K 113
2023-07-31 Murphy James Edward Officer D Common Stock 0 0.00 0
2022-07-25 Signor Thomas Officer D Common Stock 0 0.00 0
2021-06-10 Hollister Susan M Officer I-Discretionary D Common Stock 15,010 11.77 176.7K 0
2021-01-19 Hengsterman Stacy Director D Common Stock 0 0.00 0
2021-01-19 Arnold Kelli Officer D Common Stock 0 0.00 0
2020-09-25 Nichols Robert James Officer D Common Stock 0 0.00 0
2019-07-19 Reed James K Director P-Purchase A Common Stock 1,000 14.45 14.5K 5,000
2019-07-18 Reed James K Director P-Purchase A Common Stock 4,000 14.16 56.7K 4,000
2019-07-17 Tomczak Jesse Officer I Common Stock 0 0.00 4,954
2019-07-17 Taylor Madeline Director I Common Stock 0 0.00 5,900
2019-07-17 Sarratori Frank C Officer I Common Stock 0 0.00 15,000
2019-07-17 Reinfurt Edward Director D Common Stock 0 0.00 15,000
2019-07-17 Reed James K Director D Common Stock 0 0.00 0
2019-07-17 Pioneer Bancorp, MHC 10% Owner D Common Stock 0 0.00 14,287,723
2019-07-17 Mazzara Laura A Officer I Common Stock 0 0.00 15,000
2019-07-17 Mahoney Shaun Director D Common Stock 0 0.00 0
2019-07-17 Hughes Patrick J Officer I Common Stock 0 0.00 4,913
2019-07-17 Hollister Susan M Officer I Common Stock 0 0.00 15,000
2019-07-17 Fleming Joseph A Officer I Common Stock 0 0.00 1,000
2019-07-17 Fane Donald E Director I Common Stock 0 0.00 15,000
2019-07-17 Bagnoli Eileen C Director D Common Stock 0 0.00 5,000
2019-07-17 Amell Thomas L Director / Officer I Common Stock 0 0.00 600

Executive team

Top executives
Shares Outstanding
25.08M

Executive compensation

Executive compensation (annual)
# Year Executive Salary Bonus Stock award Option award Incentive Other Total % Stock-
based
Filing
1 2024 Thomas L. Amell President and Chief Executive Officer 718.9K 297.0K 845.1K 770.4K 148.0K 23.9K 2.80M 57.63%
2 2024 Patrick J. Hughes Executive Vice President and Chief Financial Officer 321.0K 182.9K 469.5K 385.2K 58.1K 21.5K 1.44M 59.43%
3 2024 Jesse Tomczak Executive Vice President and Chief Banking Officer 294.2K 176.3K 469.5K 385.2K 52.7K 24.5K 1.40M 60.95%
4 2023 Thomas L. Amell President and Chief Executive Officer 706.1K 104.7K 195.4K 21.3K 1.03M 0.00%
5 2023 Patrick J. Hughes Executive Vice President and Chief Financial Officer 294.1K 58.1K 87.2K 25.2K 464.6K 0.00%
6 2023 Jesse Tomczak Executive Vice President and Chief Banking Officer 266.3K 52.7K 79.0K 19.2K 417.2K 0.00%
7 2022 Thomas L. Amell President and Chief Executive Officer 684.6K 240.0K 25.6K 21.9K 972.1K 0.00%
8 2022 Frank C. Sarratori Executive Vice President , Chief Administrative Officer, General Counsel and Corporate Secretary 279.9K 132.0K 17.8K 389.1K 818.7K 0.00%
9 2022 Patrick J. Hughes Executive Vice President and Chief Financial Officer 284.4K 132.0K 17.6K 20.1K 454.1K 0.00%
10 2022 Jesse Tomczak Executive Vice President and Chief Banking Officer 258.7K 132.0K 16.1K 20.5K 427.3K 0.00%
11 2022 Jesse Tomczak Executive Vice President and Chief Banking Officer 258.7K 132.0K 16.1K 20.5K 427.3K 0.00%
12 2021 Thomas L. Amell President and Chief Executive Officer 671.2K 20.0K 24.4K 715.6K 0.00%
13 2021 Frank C. Sarratori Executive Vice President , Chief Administrative Officer, General Counsel and Corporate Secretary 279.4K 50.0K 21.4K 350.8K 0.00%
14 2021 Patrick J. Hughes Executive Vice President and Chief Financial Officer 277.1K 50.0K 22.4K 349.4K 0.00%
15 2020 Thomas L. Amell President and Chief Executive Officer 651.2K 127.2K 17.4K 795.8K 0.00%
16 2020 Frank C. Sarratori Executive Vice President , Chief Administrative Officer, General Counsel and Corporate Secretary 248.5K 50.0K 51.4K 21.7K 371.6K 0.00%
17 2020 Frank C. Sarratori Executive Vice President, Chief Administrative Officer, General Counsel and Corporate Secretary 248.5K 50.0K 51.4K 21.7K 371.6K 0.00%
18 2020 Patrick J. Hughes Executive Vice President and Chief Financial Officer 243.0K 25.0K 49.6K 19.4K 337.0K 0.00%
19 2020 Patrick J. Hughes Executive Vice President and Chief Financial Officer 243.0K 25.0K 49.6K 19.4K 337.0K 0.00%
20 2019 Thomas L. Amell President and Chief Executive Officer 651.2K 187.7K 27.2K 866.1K 0.00%
21 2019 Frank C. Sarratori Executive Vice President, Chief Administrative Officer, General Counsel and Corporate Secretary 242.6K 95.5K 7.9K 346.0K 0.00%
22 2019 Jesse Tomczak Executive Vice President and Chief Banking Officer 234.4K 82.7K 7.6K 324.7K 0.00%
23 2018 Thomas L. Amell President and Chief Executive Officer 460.7K 167.0K 45.9K 673.6K 0.00%
24 2018 Frank C. Sarratori Executive Vice President, Chief Administrative Officer, General Counsel and Corporate Secretary 238.8K 57.8K 10.4K 307.1K 0.00%
25 2018 Jesse Tomczak Executive Vice President and Chief Banking Officer 201.5K 40.2K 7.1K 248.8K 0.00%
CEO compensation breakdown

Proxy statements

Proxy statements (DEF 14A)
Filing date Form type Filing
2026-04-07 DEF 14A
2025-04-11 DEF 14A
2024-10-21 DEF 14A
2023-10-20 DEF 14A
2022-10-14 DEF 14A

Recent SEC filings

Recent SEC filings
Filing date Form type Filing
2026-05-11 10-Q
2026-04-30 8-K
2026-04-28 8-K
2026-04-22 8-K
2026-04-07 DEF 14A
2026-04-07 ARS
2026-03-12 10-K
2026-01-30 8-K
2025-12-22 8-K
2025-12-17 8-K

Executive team

NameTitleCompensationGender
Thomas L. Amell President, Chief Executive Officer & Director 1M male
Patrick J. Hughes Executive Vice President & Chief Financial Officer 542.2K male
Jesse A. Tomczak Executive Vice President & Chief Banking Officer 518.0K male
Susan Hollister Executive Vice President, Chief Human Resources Officer & Corporate Secretary female
Thomas E. Ratsep Executive Vice President & Chief Credit Officer male
Thomas Harry Signor Executive Vice President & Chief Administration Officer male
Robert Kursar Senior Vice President of Pioneer Capital Markets, Inc. male
Peter Brandel Jr. President of Pioneer Capital Markets, Inc. male
Gary Christopher Galarpe Chief Compliance Officer of Pioneer Capital Markets, Inc. male
ESG Rating
B
BANKS - REGIONAL
2025
E (Environmental)
86.8 / 64.3
Company / Sector avg.
S (Social)
80.4 / 76.5
Company / Sector avg.
G (Governance)
79.5 / 75.5
Company / Sector avg.
ESG Total
82.2 / 72.1
Company / Sector avg.
ESG Score History BANKS - REGIONAL
Benchmark vs Sector
Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend history

Earnings history

Earnings reports

Stock splits