OakChart

Pioneer Bancorp Inc

PBFSFinancial·Banks - Regional·USA·Small·NASD·Nov 12 • 3:59 PM ET

18.15-0.17 (-0.93%)
2026-11-13 14:15 CET
Market cap
$451.00M
Revenue, TTM
- USD m
Net income, TTM
12.60 USD m
Free cash flow, TTM
54.49 USD m
EPS diluted, TTM
0.52
Price / earnings
35.03
Compare

Price

PBFS against its 20, 50 and 200-day averages
Terms2050200
Patternshover a marker to name it
RS 10014.0016.0018.0020.0082K163KVolumeMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26PBFSclose 18.1520-day 18.1850-day 17.97200-day 16.1518.1552w high 19.9152-week range, not 6 months

8.8% under the 52-week high of 19.91 on 10 Sep 2026. 52-week low 13.00 on 20 Nov 2025. Last 15 sessions, 7.1% high to low

Volume 0.00× normal · the session has not printed · the line is the 50-bar volume average

Setup. RS line 100
CANSLIM 1 of 6 — fails: EPS Growth Qtr Over Qtr: High (>25%); Performance: Year +50%; Institutional Ownership: Over 50%; Average Volume: Over 200K — not on the tape: EPS Growth This Year: High (>25%)
VCP 6 of 6
Minervini 3 of 4 — fails: Performance: Year +50%
Zanger 3 of 5 — fails: Performance: Week +10%; Relative Volume: Over 1.5
Leaders 3 of 5 — fails: Performance: Year +50%; Average Volume: Over 500K
Breakout 2 of 4 — fails: 52-Week High/Low: New High; Relative Volume: Over 2
Growth 0 of 4 — fails: EPS Growth Qtr Over Qtr: High (>25%); Return on Equity: Over +15% — not on the tape: EPS Growth This Year: High (>25%); EPS Growth Next Year: High (>25%)
Quality 0 of 5 — fails: Return on Equity: Over +15%; Net Profit Margin: High (>20%); Debt/Equity: Low (<0.1); P/E: Under 25; Current Ratio: Over 1
Value 1 of 4 — fails: P/E: Under 15; Return on Equity: Over +15%; Debt/Equity: Low (<0.1)
Income 1 of 4 — fails: Dividend Growth: Growing 2+ Years; P/E: Under 25 — not on the tape: Dividend Yield: Over 2%
Small Cap 2 of 4 — fails: Average Volume: Over 500K; Performance: Year +50%
Accumulation 2 of 4 — fails: Institutional Ownership: Over 30%; Institutional Transactions: Over +10%
Relative Strength 1 of 3 — fails: Performance: Year +100%; Average Volume: Over 500K

Profile

PBFS
52-week range, 75% of the way up
13.0019.91

Pioneer Bancorp, Inc. is a two-tier mutual holding company for Pioneer Bank, which engages in lending activity originating commercial real estate loans, commercial and industrial loans, commercial construction loans and home equity loans, and lines of credit. It operates through the following portfolio segments: Commercial, Residential Mortgages, Home Equity Loans and Lines, and Consumer. The Commercial segment is secured by multi-family and nonresidential real estate and generally has larger balances and involves a greater degree of risk than residential real estate loans. The Residential Mortgages segment focuses on the basis of the borrower's ability to make repayment from his or her employment or other income, and which is secured by real property whose value tends to be more easily ascertainable. The Home Equity Loans and Lines segment includes loans secured by real estate and may entail greater risk than first-lien residential mortgage loans due to a lower lien position. The Consumer segment refers to the unsecured loans and loans secured by assets that depreciate rapidly, such as motor vehicles, and are subject to greater risk. The company was founded in March 2019 and is headquartered in Albany, NY.

IndexRUT
Employees269
IPOJul 18, 2019
Beta0.43
ATR, 14d0.43
Rel volume0.00
Short float1.06%
Insider own59.41%
Inst own23.00%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap$451.00M
Enterprise Value-
Income12.60M
Sales142.28M
Book / share13.35
Cash / share-
Dividend Est.-
Dividend TTM-
Dividend Ex-Date-
Dividend Gr. 3/5Y- -
Payout0.00%
Employees269
IPOJul 18, 2019

Ratios

Price / earnings35.03
Forward price / earnings-
Price / earnings / growth-
Price / sales3.17
Price / book1.36
Price / cash-
Price / free cash flow8.28
Value / cash profit-
Value / sales-
Quick Ratio-
Current Ratio0.50
Debt / equity0.23
Long-term debt / equity0.23
Options and shortNo / Yes

Earnings

Earnings / share0.52
Earnings next year-
Earnings next quarter-
Earnings this year-
Earnings next year-
Earnings growth, 5 years-
Past earnings growth26.39% 31.78%
Past sales growth30.01% 12.84%
Earnings vs last year-36.83%
Sales vs last year17.83%
Earnings vs last quarter-98.01%
Sales vs last quarter22.90%
Earnings-
Surprise- -

Ownership

Insiders own59.41%
Insider trades0.00%
Institutions own23.00%
Institution trades0.13%
Return on assets0.52%
Return on equity3.95%
Return on capital3.16%
Gross Margin-
Operating margin16.93%
Profit Margin8.86%
20-day average-0.17%
50-day average1.01%
200-day average12.35%

Technical

Shares out24.22M
Shares floating10.09M
Short / float1.06%
Short ratio7.90
Short interest0.11M
52-week high19.91 -8.8%
52-week low13.00 +39.6%
Volatility2.09% 2.08%
Average range0.43
Strength index50.68
Market sensitivity0.43
Relative volume0.00
Avg Volume13.57K
Volume0

Performance

Perf Week-0.47%
Perf Month3.10%
Perf Quarter4.19%
Perf Half Y22.30%
Perf YTD34.64%
Perf Year36.47%
Perf 3Y127.73%
Perf 5Y39.94%
Perf 10Y-
Recommendation-
Target Price-
Prev Close18.15
Price18.15
Change %0.00%

Peers

Mkt cap
TickerCompanyMkt cap
AROWArrow Financial Corp718.74M
TRSTTrustco Bank Corp953.65M
CHMGChemung Financial Corp413.27M
GCBCGreene Bancorp Inc604.58M
RBKBRhinebeck Bancorp Inc204.52M
OBTOrange County Bancorp Inc534.57M
NECBNorthEast Community Bancorp Inc400.31M
PDLBPonce Financial Group Inc536.98M
PBHCPathfinder Bancorp Inc104.85M
WNEBWestern New England Bancorp Inc268.11M

Insider trading

2 filings
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Tomczak JesseEVP and CBODec 12 '25Sale14.695,39579,24441,000Dec 15 02:04 PM
Tomczak JesseOfficerDec 12 '25Proposed Sale14.215,39576,662Dec 12 01:52 PM

Held by

AUM
TickerCompanyAUM
VTIVanguard Morningstar Total Stock Market ETFAUM: 696.31B
IWMiShares Russell 2000 Index FundAUM: 77.86B
VXFVanguard Extended Market Index ETFAUM: 30.79B
IWNiShares Russell 2000 Value ETFAUM: 14.17B
BSVOEA Bridgeway Omni Small-Cap Value ETFAUM: 2.45B
DFACU.S. Core Equity 2 Portfolio-ETF Class SharesAUM: 49.67B
VTWOVanguard Russell 2000 Index ETFAUM: 16.90B
DFATU.S. Targeted Value Portfolio-ETF Class SharesAUM: 14.54B
DFMCU.S. Micro Cap Portfolio ETF Class SharesAUM: 213.58M
IWCiShares Micro-Cap ETFAUM: 1.23B

News

latest 14 of 20

Quarterly earnings

actual against estimate
PeriodReportedEPS adjustedEPS estEPS reportedSales act, USD mSales est, USD mSurpriseYear-ago quarterAnalystsNext session
2026Q1ended 2026-03-312026-04-30 16:30--0.217--EPS - · sales -vs 2025Q1, year-ago quarter · EPS - · sales --Open +0.25% vs SPY +0.36%. Close +0.77% vs SPY +0.28%
2025Q4ended 2025-12-312026-01-30 16:30--0.154--EPS - · sales -vs 2024Q4, year-ago quarter · EPS - · sales --Open -0.35% vs SPY -0.35%. Close +0.57% vs SPY +0.50%
2025Q3ended 2025-03-312025-04-30 16:30--0.231--EPS - · sales -vs 2024Q3, year-ago quarter · EPS - · sales --Open +0.80% vs SPY +1.05%. Close +2.50% vs SPY +0.71%
2025Q2ended 2024-12-312025-01-30 16:30--0.000--EPS - · sales -vs 2024Q2, year-ago quarter · EPS - · sales --Open -0.34% vs SPY +0.41%. Close -1.78% vs SPY -0.53%
2025Q1ended 2024-09-302024-10-30 16:30--0.251--EPS - · sales -vs 2024Q1, year-ago quarter · EPS - · sales --Open +0.89% vs SPY -0.77%. Close -0.53% vs SPY -1.96%
2024Q4ended 2024-06-302024-07-31 16:30--0.156--EPS - · sales -vs 2023Q4, year-ago quarter · EPS - · sales --Open -0.08% vs SPY +0.32%. Close -1.35% vs SPY -1.42%
2024Q3ended 2024-03-312024-05-01 16:30--0.187--EPS - · sales -vs 2023Q3, year-ago quarter · EPS - · sales --Open +0.11% vs SPY +0.76%. Close +1.12% vs SPY +0.94%
2024Q2ended 2023-12-312024-02-07 16:30--0.127--EPS - · sales -vs 2023Q2, year-ago quarter · EPS - · sales --Open -1.48% vs SPY 0.00%. Close +1.16% vs SPY +0.04%
2024Q1ended 2023-09-302023-11-06 16:30--0.136--EPS - · sales -vs 2023Q1, year-ago quarter · EPS - · sales --Open -1.90% vs SPY 0.00%. Close +2.02% vs SPY +0.28%
2023Q4ended 2023-06-302023-08-16 16:30--0.179--EPS - · sales ---Open +1.27% vs SPY +0.35%. Close +0.11% vs SPY -0.76%
2023Q3ended 2023-03-312023-05-05 16:30--0.239--EPS - · sales ---Open +0.58% vs SPY +0.08%. Close -0.58% vs SPY +0.03%
2023Q2ended 2022-12-312023-01-30 16:30--0.246--EPS - · sales ---Open +2.58% vs SPY +0.13%. Close +3.40% vs SPY +1.47%
2023Q1ended 2022-09-302022-11-09 08:30--0.208--EPS - · sales ----

Annual earnings

The earnings feed came back with no years.

Estimate revisions

Latest snapshot of each period and type.

No estimate revisions.

Estimate history

Annual
Metric20172018201920202021202220232025TTMMRQ
EPS per share0.2170.4430.2810.2080.0430.4090.8720.8260.5181-
Sales USD millions49596969605885127142-
Shares million shares2626262525252524-24
Quarterly
MetricQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
EPS per share0.1560.2510.000.2310.1540.2170.1430.004
Sales USD millions272803033323739
Shares million shares2625-2524242424

Income statement, annual

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
MetricTTM2025FY12/31/20252023FY6/30/20232022FY6/30/20222021FY6/30/20212020FY6/30/20202019FY6/30/20192018FY6/30/2018
Interest Income122.32109.53-71.03+62.0%43.84-0.2%43.93-17.9%53.52-1.2%54.16+16.5%46.49
Total Interest Expense34.8530.38-5.49+276.0%1.46-30.8%2.11-55.4%4.73+5.6%4.48+40.4%3.19
Net Interest Income87.4779.15-65.54+54.6%42.38+1.3%41.82-14.3%48.79-1.8%49.68+14.7%43.30
Loan Loss Provision4.013.69-0.00-0.55-113.6%4.05-40.4%6.79-62.6%18.15+821.3%1.97
Net Interest Income After Loan Loss Provision83.4675.45-65.54+52.7%42.93+13.7%37.77-10.1%42.00+33.2%31.53-23.7%41.33
Non-Interest Income19.9617.14-14.15+2.5%13.80-12.3%15.74+0.2%15.71+4.8%14.99+16.0%12.92
Non-Interest Expense79.3464.10-51.83+9.1%47.49+2.4%46.36-5.8%49.19+29.8%37.89+4.3%36.33
Operating Income24.0828.49-27.86+201.8%9.23+29.1%7.15-16.1%8.52-1.3%8.63-51.8%17.92
Unusual Expense8.202.00-0.00-3.83-185.1%4.50+80.0%2.500.000.00
Net Income Before Taxes15.8826.49-27.86+108.8%13.34+401.5%2.66-55.7%6.00-25.5%8.05-54.8%17.81
Income Taxes3.286.20-5.91+93.1%3.06+93.7%1.58+97.5%0.80+8.1%0.74-88.3%6.31
Consolidated Net Income12.6020.29-21.95+113.5%10.28+851.9%1.08-79.2%5.20-28.9%7.31-36.4%11.50
Net Income From Continuing Operations12.6020.29-21.95+113.5%10.28+851.9%1.08-79.2%5.20-28.9%7.31-36.4%11.50
Net Income12.6020.29-21.95+113.5%10.28+851.9%1.08-79.2%5.20-28.9%7.31-36.4%11.50
EPS (Recurring) per share0.750.88-0.87+190.0%0.30+76.5%0.17-39.3%0.28-61.6%0.73+65.9%0.44
EPS (Basic, Before Extraordinaries) per share0.520.83-0.87+112.2%0.41+925.0%0.04-81.0%0.21-25.0%0.28-36.4%0.44
EPS (Diluted) per share0.520.83-0.87+112.2%0.41+925.0%0.04-81.0%0.21-25.0%0.28-36.4%0.44
Non-Operating Income (Expense)0.000.00-0.00-100.0%0.28+2700.0%0.01-0.03-0.58-0.11
Other After Tax Adjustments0.000.00-0.000.000.000.000.000.00
Stock Option Compensation Expense1.450.50-0.41-10.9%0.46+17.9%0.39-46.6%0.73--
Price To Earnings Ratio ratio statement ratio, not the snapshot35.0335.03-10.2623.94278.2444.22--
Price To Sales Ratio ratio3.042.61-2.644.275.053.31--
Operating Margin %16.9322.49-32.7016.0211.9812.3112.4830.17
Net Margin %8.8616.02-25.7717.831.817.5110.5719.36
Shares Outstanding million shares24.2224.41-25.19+0.2%25.15+0.2%25.09+0.2%25.04-3.6%25.980.0%25.98
Market Capitalization451.00451.00-232.50-8.7%254.58-18.5%312.25+31.4%237.70-0.7%239.26-

Income statement, quarterly

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
Metric2026Q39/30/20262026Q26/30/20262026Q13/31/20262025Q412/31/20252025Q59/30/20252025Q46/30/20252025Q33/31/20252025Q212/31/2024
Interest Income33.69+30.3%31.87+3186999900.0%28.37+16.4%28.39+20.5%28.2927.01+14.6%25.85+11.9%1E-06-100.0%
Total Interest Expense10.07+49.0%9.027.62+17.6%8.13+27.8%8.087.40+16.4%6.76+17.0%-
Net Interest Income23.61+23.7%22.85+2284999900.0%20.75+15.9%20.25+17.7%20.2019.61+14.0%19.08+10.1%1E-06-100.0%
Loan Loss Provision1.32+65.0%1.350.780.56-25.3%0.791.55+106.7%0.80+900.0%-
Net Interest Income After Loan Loss Provision22.29+21.9%21.5019.97+6.4%19.69+19.7%19.4218.06+9.8%18.28+6.0%-
Non-Interest Income5.77+54.7%5.463.94-4.4%4.79+29.1%3.814.81+29.6%3.73-11.8%0.00
Non-Interest Expense21.80+49.4%22.1818.20+23.9%17.16+13.4%17.6214.73-2.6%14.59-5.4%-
Operating Income6.27-15.5%4.79+478999900.0%5.71-30.4%7.33+45.7%5.618.14+61.8%7.42+22.4%1E-06
Unusual Expense6.200.000.002.000.000.000.00-
Net Income Before Taxes0.07-99.1%4.79+478999900.0%5.71-30.4%5.33+6.0%5.618.14+61.8%7.42+22.4%1E-06-100.0%
Income Taxes-0.02-101.2%1.300.42-77.8%1.58+43.6%1.281.69+53.6%1.65+23.1%-
Consolidated Net Income0.09-98.4%3.485.29-16.2%3.74-4.8%4.336.45+64.1%5.76+22.0%-
Net Income From Continuing Operations0.09-98.4%3.48+347999900.0%5.29-16.2%3.74-4.8%4.336.45+64.1%5.76+22.0%1E-06-100.0%
Net Income0.09-98.4%3.48+347999900.0%5.29-16.2%3.74-4.8%4.336.45+64.1%5.76+22.0%1E-06-100.0%
EPS (Recurring) per share0.18-21.7%0.140.22-12.0%0.21+31.3%0.180.26+62.5%0.23+21.1%-
EPS (Basic, Before Extraordinaries) per share0.00-100.0%0.140.22-12.0%0.160.0%0.180.26+62.5%0.23+21.1%0.00-100.0%
EPS (Diluted) per share0.00-100.0%0.140.22-12.0%0.15-6.3%0.180.26+62.5%0.23+21.1%0.00-100.0%
Non-Operating Income (Expense)0.000.000.000.000.000.000.00-
Other After Tax Adjustments0.000.000.000.000.000.000.00-
Stock Option Compensation Expense0.64+326.7%0.500.18+63.6%0.13+30.0%0.130.40+300.0%0.15+25.0%-
Price To Earnings Ratio ratio statement ratio, not the snapshot35.0321.0716.9016.3615.8214.3816.7120.02
Price To Sales Ratio ratio3.043.082.622.592.662.552.79-
Operating Margin %15.8812.8217.6622.0817.4725.5825.08100.00
Net Margin %0.229.3316.3711.2813.4920.2819.49100.00
Shares Outstanding million shares24.22-3.7%24.2124.43-3.9%24.41-4.3%24.4124.87-2.5%25.15-0.3%-
Market Capitalization451.00+49.0%428.06+43.1%349.07+21.6%338.09+30.0%330.35311.01+19.6%302.68+18.8%299.22+15.1%

Balance sheet, annual

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
Metric2025FY12/31/20252023FY6/30/20232022FY6/30/20222021FY6/30/20212020FY6/30/20202019FY6/30/20192018FY6/30/20182017FY6/30/2017
Cash & Due from Banks29.84-33.58+12.6%29.83+21.8%24.49+15.6%21.19-56.2%48.38+108.6%23.19-19.5%28.79
Investments372.75-576.80-32.6%855.32+41.3%605.36+123.6%270.77-8.3%295.34+54.4%191.34+93.5%98.89
Net Loans1,646.26-1,144.17+16.4%982.57-9.2%1,081.80-5.8%1,148.40+10.6%1,038.14+5.3%985.90+5.7%932.76
Investment in Unconsolidated Affiliates0.00-0.000.000.000.000.000.000.00
Customer Liability on Acceptances0.00-0.000.000.000.000.000.000.00
Real Estate Assets---0.00-100.0%0.36+38.5%0.26+62.5%0.16+128.6%0.07-
Net Property, Plant & Equipment35.58-41.62+11.6%37.31-4.1%38.92-4.7%40.86-2.0%41.71-2.8%42.90+14.8%37.38
Interest Receivables8.89-7.19+55.6%4.62+14.1%4.05+16.7%3.47-20.6%4.37+13.5%3.85+18.1%3.26
Deferred Tax Assets10.83-14.77+14.7%12.88+8.3%11.89-24.5%15.75+58.9%9.91+11.1%8.92-36.4%14.02
Other Intangible Assets58.43-47.60-0.7%47.94+32.9%36.06+8.9%33.12-11.8%37.55+1.6%36.95+33.6%27.65
Total Assets2,162.57-1,865.74-5.3%1,970.47+9.3%1,802.93+17.5%1,533.82+3.9%1,475.56+14.9%1,284.13+12.4%1,142.75
Total Deposits1,748.31-1,549.74-8.1%1,685.87+9.7%1,536.71+20.4%1,276.19-4.6%1,337.36+16.3%1,150.26+13.3%1,014.93
Total Debt54.42-5.710.000.000.000.000.00-100.0%5.00
Long Term Debt3.82-5.120.000.000.000.000.000.00
Provision for Risks Charges1.06-1.38-10.4%1.54-21.0%1.95-84.4%12.50+443.5%2.300.00-100.0%3.02
Deferred Tax Liabilities11.88-9.55+53.0%6.24-6.6%6.68-9.9%7.41+1.8%7.28+11.7%6.52-24.3%8.61
Other Liabilities23.03-32.66-4.5%34.19+72.9%19.78+43.8%13.76+20.6%11.41-27.8%15.80+120.1%7.18
Total Liabilities1,838.70-1,599.04-7.5%1,727.84+10.4%1,565.11+19.5%1,309.85-3.6%1,358.35+16.5%1,166.07+12.3%1,038.74
Preferred Stock - Carrying Value0.00-0.000.000.000.000.000.000.00
Common Equity323.86-266.70+9.9%242.63+2.0%237.82+6.2%223.97+81.7%123.26+4.4%118.06+13.5%104.01
Total Shareholders Equity323.86-266.70+9.9%242.63+2.0%237.82+6.2%223.97+81.7%123.26+4.4%118.06+13.5%104.01
Accumulated Minority Interest0.00-0.000.000.000.000.000.000.00
Total Equity323.86-266.70+9.9%242.63+2.0%237.82+6.2%223.97+81.7%123.26+4.4%118.06+13.5%104.01
Total Liabilities & Stockholders Equity2,162.57-1,865.74-5.3%1,970.47+9.3%1,802.93+17.5%1,533.82+3.5%1,481.61+15.4%1,284.13+12.4%1,142.75
Book Value Per Share per share13.27-10.59+9.7%9.65+1.8%9.48+5.9%8.95+88.8%4.74+4.4%4.54+13.5%4.00
Tangible Book Value Per Share per share12.76-10.16+10.4%9.20+0.9%9.12+6.4%8.57+96.1%4.37+5.3%4.15+9.8%3.78
Tier 1 Capital240.65-208.58+12.2%185.89+4.9%177.27+1.1%175.42+28.2%136.88+17.3%116.67-
Tier 2 Capital18.57-13.94+6.9%13.04-2.0%13.30-7.7%14.41+3.7%13.90+8.4%12.82-
Full-Time Employees people269-2560.0%256-2.3%262-1.9%267+8.1%247-7.5%267-
Price to Book Ratio ratio1.36-0.851.021.271.021.01--
Return on Assets %1.00-1.140.540.060.340.530.90-
Return on Equity %6.54-8.624.280.472.906.069.74-
Return on Invested Capital %6.19-8.074.240.452.325.939.745.41
Current Ratio ratio0.09-0.130.300.290.180.250.120.07

Cash flow, annual

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
MetricTTM2025FY12/31/20252023FY6/30/20232022FY6/30/20222021FY6/30/20212020FY6/30/20202019FY6/30/20192018FY6/30/2018
Funds from Operations37.9824.82-25.39+66.9%15.21+143.4%6.25-62.6%16.73-40.5%28.14+62.9%17.27
Extraordinary Item0.000.00-0.000.000.000.000.000.00
Changes in Working Capital18.79-13.70-0.76-97.8%34.65+32.8%26.09-14.71-22.23-851.0%2.96
Cash from Operating Activities56.7811.12-26.15-47.6%49.86+54.2%32.34+1501.0%2.02-65.8%5.90-70.8%20.23
Capital Expenditures-2.28-2.32--0.45-0.78-0.60-1.70-2.28-8.02
Net Assets From Acquisitions-142.14-0.48-0.00-1.660.000.000.00-4.70
Sale of Fixed Assets and Businesses0.000.00-0.00-100.0%1.19+600.0%0.17+21.4%0.14-77.4%0.62+785.7%0.07
Purchase or Sale of Investments9.4995.23-46.24-246.04-186.47-2333.2%8.35-5.42-8.02
Purchase of Investments-100.56-138.96--144.25-360.61-254.81-81.32-72.21-80.50
Sale Or Maturity of Investments110.05234.19-190.49+66.3%114.57+67.6%68.34-23.8%89.67+34.3%66.79-7.8%72.47
Other Uses0.000.00-0.000.000.000.000.000.00
Other Sources0.001.14-1.140.000.00-100.0%1.140.000.00
Cash from Investing Activities-356.99-125.79--114.77-147.92-124.79-109.47-77.79-75.93
Cash Dividends Paid0.000.00-0.000.000.000.000.000.00
Change in Capital Stock-3.72-11.22-0.000.000.00-100.0%95.410.000.00
Repurchase of Common Pref Stock-3.89-11.29-0.000.000.00-13.640.000.00
Sale of Common Pref Stock0.170.08-0.000.000.00-100.0%109.060.000.00
Proceedsfrom Stock Options0.000.00-0.000.000.00-100.0%109.060.000.00
Issuance or Reduction of Debt, Net75.0010.00--0.090.000.000.000.00-5.00
Change in Long Term Debt65.000.00--0.090.000.000.000.00-5.00
Issuance of Long Term Debt25.000.00-0.020.000.000.000.000.00
Reduction of Long Term Debt40.000.00--0.110.000.000.000.00-5.00
Net Financing Active Other Cash Flow-0.16-0.90--0.730.000.000.000.00-100.0%0.48
Other Financing Activities Uses-0.16-0.90--0.730.000.000.000.000.00
Cash from Financing Activities307.52151.83--136.96-191.8%149.16-42.7%260.51+660.8%34.24-81.2%181.72+33.9%135.71
Net Change in Cash7.3137.15--225.58-541.4%51.10-69.6%168.06-73.21-166.7%109.83+37.3%80.02
Free Cash Flow54.498.80-25.70-47.6%49.08+54.6%31.74+9818.8%0.32-91.2%3.62-70.4%12.22
Preferred Dividends (Cash Flow)-0.00-0.000.000.000.000.000.00
Price to Free Cash Flow ratio7.9337.63-8.775.029.49710.79--
Federal Home Loan Advances Increase (Decrease)--0.81--0.10-183.3%0.12-0.20-0.09-0.040.00

Balance sheet, quarterly

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
Metric2026Q39/30/20262026Q26/30/20262026Q13/31/20262025Q412/31/20252025Q59/30/20252025Q46/30/20252025Q33/31/20252025Q212/31/2024
Cash & Due from Banks70.11+140.3%36.9526.94-65.5%29.84-19.2%58.0729.59-19.9%29.18-24.2%-
Investments454.73-0.4%329.81387.85-11.5%372.75-10.1%473.31426.96+3.0%456.52-13.8%-
Net Loans1,936.53+30.2%1,870.861,700.96+21.5%1,646.26+22.5%1,613.931,542.86+14.8%1,487.18+13.3%-
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.00-
Net Property, Plant & Equipment36.40+1.6%36.0336.09-9.1%35.58-11.3%35.3235.73-10.9%35.81-12.0%-
Interest Receivables10.45+24.7%9.439.51+24.0%8.89+17.6%9.248.70+15.1%8.38+9.0%-
Deferred Tax Assets---10.83-3.6%----
Other Intangible Assets90.53+74.4%80.5559.66+16.1%58.43+12.7%53.4452.58+1.4%51.92-1.9%-
Total Assets2,598.75+25.6%2,363.642,221.00+10.2%2,162.57+13.4%2,243.312,096.43+10.0%2,068.99+4.4%-
Total Deposits2,135.50+23.6%1,981.091,859.61+10.7%1,748.31+12.1%1,899.101,752.63+12.4%1,728.15+4.5%-
Total Debt75.000.000.0054.42+786.3%0.000.00-100.0%0.00-100.0%-
Long Term Debt75.000.000.003.82-29.0%0.000.00-100.0%0.00-100.0%-
Provision for Risks Charges0.000.000.001.06-21.5%0.000.00-100.0%0.00-
Deferred Tax Liabilities---11.88+8.3%----
Other Liabilities64.95+115.6%54.2132.81+3.6%23.03-26.7%30.0129.55-6.0%30.13-7.6%-
Total Liabilities2,275.45+29.4%2,035.301,892.42+10.6%1,838.70+14.2%1,929.111,782.18+10.7%1,758.28+3.9%-
Preferred Stock - Carrying Value0.000.000.000.000.000.000.00-
Common Equity323.30+4.1%328.34328.58+8.2%323.86+9.2%314.20314.25+6.0%310.70+7.5%-
Total Shareholders Equity323.30+4.1%328.34328.58+8.2%323.86+9.2%314.20314.25+6.0%310.70+7.5%-
Accumulated Minority Interest0.000.000.000.000.000.000.00-
Total Equity323.30+4.1%328.34328.58+8.2%323.86+9.2%314.20314.25+6.0%310.70+7.5%-
Total Liabilities & Stockholders Equity2,598.75+25.6%2,363.642,221.00+10.2%2,162.57+13.4%2,243.312,096.43+10.0%2,068.99+4.4%-
Book Value Per Share per share13.35+8.1%13.5613.45+12.6%13.27+14.2%12.8712.64+8.8%12.35+7.9%-
Tangible Book Value Per Share per share11.72-0.8%11.9612.95+13.5%12.76+15.2%12.3312.10+9.2%11.82+8.4%-
Tier 1 Capital-223.62-3.3%245.78+7.8%240.65+8.6%235.93243.26+9.8%236.85+8.9%231.14+8.7%
Tier 2 Capital---18.57+22.5%18.6017.71+16.8%16.68+13.1%16.16+10.5%
Full-Time Employees people-298-269-0.4%----
Price to Book Ratio ratio1.361.271.051.051.010.950.950.96
Return on Assets %0.520.760.921.000.971.060.87-
Return on Equity %3.955.246.206.546.796.986.04-
Return on Invested Capital %0.021.061.611.141.382.051.85-
Current Ratio ratio0.500.280.370.090.420.280.29-

Cash flow, quarterly

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
Metric2026Q39/30/20262026Q26/30/20262026Q13/31/20262025Q412/31/20252025Q59/30/20252025Q46/30/20252025Q33/31/20252025Q2
Funds from Operations12.21+100.2%12.404.94-25.3%8.43+42.6%3.716.58+11.3%6.10+47.3%-
Extraordinary Item0.000.000.000.000.000.000.00-
Changes in Working Capital2.3616.202.99-2.75-185.4%0.19-1.52-147.2%-9.63-
Cash from Operating Activities14.5828.607.935.67-37.9%3.905.06-44.6%-3.53-206.6%-
Capital Expenditures-1.01-0.42-0.64-0.22-0.23-0.51-1.36-
Net Assets From Acquisitions-0.31-141.340.00-0.480.000.000.00-
Sale of Fixed Assets and Businesses0.000.000.000.000.000.000.00-
Purchase or Sale of Investments-22.38-390.3%-15.348.1039.11-0.8%35.1613.26-66.4%7.71-72.4%-
Purchase of Investments-34.21-43.75-10.00-12.60-12.46-56.87-57.02-
Sale Or Maturity of Investments11.83-81.7%28.4118.10-51.9%51.71+17.4%47.6270.13+59.2%64.73+104.4%-
Other Uses0.000.000.000.000.000.000.00-
Other Sources0.000.000.000.000.001.140.00-
Cash from Investing Activities-102.74-208.82-46.010.58-87.6%-37.11-43.61-1035.8%-45.65-
Cash Dividends Paid0.000.000.000.000.000.000.00-
Preferred Dividends (Cash Flow)0.000.000.000.000.000.000.00-
Change in Capital Stock0.05-3.470.05-0.34-6.00-3.31-1.57-
Repurchase of Common Pref Stock0.00-3.470.00-0.42-6.00-3.31-1.57-
Sale of Common Pref Stock0.050.000.050.080.000.000.00-
Proceedsfrom Stock Options0.000.000.000.000.000.000.00-
Issuance or Reduction of Debt, Net75.000.00-50.0050.000.000.00-40.00-
Change in Long Term Debt75.000.00-50.0040.000.000.00-40.00-
Issuance of Long Term Debt25.000.000.000.000.000.000.00-
Reduction of Long Term Debt50.000.00-50.0040.000.000.00-40.00-
Net Financing Active Other Cash Flow0.00-0.160.000.00-0.75-0.140.00-
Other Financing Activities Uses0.00-0.160.000.00-0.75-0.140.00-
Cash from Financing Activities229.46+148.7%117.8561.35-47.6%-101.14139.6920.9992.28-25.9%-
Net Change in Cash141.30+227.8%-62.3723.26-61.1%-94.88106.48-17.5643.10-59.7%-
Free Cash Flow13.5628.187.295.46-38.9%3.684.55-49.0%-4.89-252.8%-
Price to Free Cash Flow ratio7.939.3116.1537.2126.1725.0548.27-

Revenue breakdown

USD millions, so a column adds up to the income statement. Share is of the latest year in that split. The change is versus the older year shown, not TTM.

Product
Name20252025 share
Credit and Debit Card2.8017.7%
Deposit Account2.4615.5%
Insurance services2.5616.2%
Service, Other0.462.9%
Wealth management services7.5447.7%
Total15.81100.0%
Region
Name20252025 share
United States15.81100.0%
Total15.81100.0%

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-301.06%0.1M10.1M13.00K
2026-10-151.26%0.1M10.1M12.83K
2026-09-301.26%0.1M10.1M12.60K
2026-09-151.45%0.1M10.1M14.69K
2026-08-311.31%0.1M10.2M15.45K
2026-08-141.26%0.1M10.2M19.21K
2026-07-311.14%0.1M10.3M19.90K
2026-07-151.10%0.1M10.3M19.69K
2026-06-300.98%0.1M10.3M19.03K
2026-06-151.07%0.1M10.3M17.47K
2026-05-290.85%0.1M10.3M16.42K
2026-05-150.82%0.1M10.3M13.11K
2026-04-300.84%0.1M10.3M12.78K
2026-04-150.82%0.1M10.3M13.04K
2026-03-311.02%0.1M10.3M12.99K
2026-03-130.93%0.1M10.3M12.87K
2026-02-270.78%0.1M10.3M12.51K
2026-02-130.75%0.1M10.3M13.10K
2026-01-300.81%0.1M10.3M13.21K
2026-01-150.92%0.1M10.3M14.13K

Option chain

Expiry 2026-11-13 · underlying 18.15, quoted 12 Nov 15:59 ET · ATM -

Option quotes -. A date on a row is older than the last session (12 Nov). 0 rows.

Implied move — the ATM straddle is not quoted.

Put/call open interest — no calls · Put/call volume — no calls

IV change is points against the prior close.

TypeStrikeMoneyBidAskLastChgIVOpen intVolumeLast sizeDeltaThetaVega
No option chain for this symbol.

Latest SEC filings

30 of 191
AllAll annual, quarterly, and current reportsInsider equity awards, transactions, and ownership (Section 16 Reports)Beneficial ownership reportsExempt offeringsRegistration statements and prospectusesFiling review correspondenceSEC orders and noticesProxy materialsTender offers and going private transactionsTrust indenture filings

10-Q filed 2026-11-06, period ended 2026-09-30. 10-K filed 2026-03-12, period ended 2025-12-31. PBFS on EDGAR

page 1 of 7Next →
FiledFormDescriptionPeriodDocument
2026-11-0610-QAll annual, quarterly, and current reports2026-09-300001104659-26-123881 index
2026-10-308-KAll annual, quarterly, and current reports2026-10-300001104659-26-120713 index
2026-08-194Insider equity awards, transactions, and ownership (Section 16 Reports)2026-08-18 · transaction0001437749-26-028500 index
2026-08-1010-QAll annual, quarterly, and current reports2026-06-300001104659-26-093436 index
2026-08-108-K/AAll annual, quarterly, and current reports2026-04-240001104659-26-093399 index
2026-07-308-KAll annual, quarterly, and current reports2026-07-300001104659-26-088689 index
2026-07-298-KAll annual, quarterly, and current reports2026-07-290000943374-26-000336 index
2026-07-273Insider equity awards, transactions, and ownership (Section 16 Reports)2026-07-210001437749-26-024490 index
2026-07-238-KAll annual, quarterly, and current reports2026-07-210000943374-26-000300 index
2026-06-294Insider equity awards, transactions, and ownership (Section 16 Reports)2026-05-21 · transaction0001437749-26-021978 index
2026-06-294Insider equity awards, transactions, and ownership (Section 16 Reports)2026-05-21 · transaction0001437749-26-021975 index
2026-06-294Insider equity awards, transactions, and ownership (Section 16 Reports)2026-05-21 · transaction0001437749-26-021972 index
2026-06-2911-KAll annual, quarterly, and current reports2025-12-310001104659-26-078834 index
2026-06-024Insider equity awards, transactions, and ownership (Section 16 Reports)2026-06-01 · transaction0001437749-26-019178 index
2026-05-208-KAll annual, quarterly, and current reports2026-05-190000943374-26-000201 index
2026-05-1110-QAll annual, quarterly, and current reports2026-03-310001104659-26-058663 index
2026-04-308-KAll annual, quarterly, and current reports2026-04-300001104659-26-053068 index
2026-04-288-KAll annual, quarterly, and current reports2026-04-240001104659-26-049906 index
2026-04-228-KAll annual, quarterly, and current reports2026-04-200000943374-26-000161 index
2026-04-07ARSProxy materials2025-12-310001104659-26-040118 index
2026-04-07DEF 14AProxy materials2026-05-190001104659-26-040117 index
2026-03-1210-KAll annual, quarterly, and current reports2025-12-310001104659-26-027092 index
2026-01-308-KAll annual, quarterly, and current reports2026-01-300001104659-26-008652 index
2025-12-228-KAll annual, quarterly, and current reports2025-12-160000943374-25-000525 index
2025-12-178-KAll annual, quarterly, and current reports2025-12-170000943374-25-000519 index
2025-12-154Insider equity awards, transactions, and ownership (Section 16 Reports)2025-12-12 · transaction0001437749-25-037814 index
2025-12-154Insider equity awards, transactions, and ownership (Section 16 Reports)2025-12-11 · transaction0001437749-25-037781 index
2025-12-12144no categoryno report period0001959173-25-007700 index
2025-12-118-KAll annual, quarterly, and current reports2025-12-110000943374-25-000511 index
2025-11-14SCHEDULE 13G/ABeneficial ownership reportsno report period0001398344-25-020900 index

Insider activity

as of 2025-12-12 · 2 filings
InsiderTitleDateTypeSharesValue ($)PriceRemainingForm 4
Tomczak JesseEVP and CBO2025-12-12Sale5,39579,24414.6941,000Dec 15 02:04 PM
Tomczak JesseOfficer2025-12-12Proposed Sale5,39576,66214.21-Dec 12 01:52 PM

Monthly total

as of 2026-11 · feed totals, not a recount of the rows above
MonthBought ($)BuysSold ($)Sells
2026-110000
2026-100000
2026-090000
2026-080000
2026-070000
2026-060000
2026-050000
2026-040000
2026-030000
2026-020000
2026-010000
2025-120079,2441
2025-110000

Institutional holders

as of quote 2026-11-12. 13F filing period is not in this feed — not a live holding. 10 managers, 19.12% of shares, of 23.00% institutional Overlap: Vanguard is on both cards (1 manager, 3 funds). Do not add them. Private is on both cards (1 manager, 1 fund). Do not add them.
Manager% owned
M3F, Inc.7.49%
BlackRock, Inc.2.52%
ALLIANCEBERNSTEIN L.P.2.09%
VANGUARD CAPITAL MANAGEMENT LLC1.93%
Private Capital Management, LLC1.46%
GEODE CAPITAL MANAGEMENT, LLC0.99%
DIMENSIONAL FUND ADVISORS LP0.92%
STATE STREET CORP0.73%
First Pacific Advisors, LP0.67%
NORTHERN TRUST CORP0.33%

Funds

as of quote 2026-11-12. 13F filing period is not in this feed — not a live holding. 10 funds, 4.99% of shares, of 23.00% institutional Overlap: Vanguard is on both cards (1 manager, 3 funds). Do not add them. Private is on both cards (1 manager, 1 fund). Do not add them.
FundKind% owned
VANGUARD TOTAL STOCK MARKET INDEX FUNDmutual fund1.40%
iShares Russell 2000 ETFETF1.12%
VANGUARD EXTENDED MARKET INDEX FUNDmutual fund0.48%
Fidelity Small Cap Index Fundmutual fund0.44%
iShares Russell 2000 Value ETFETF0.44%
EA Bridgeway Omni Small-Cap Value ETFETF0.29%
VANGUARD RUSSELL 2000 INDEX FUNDmutual fund0.24%
Private Capital Management Value Fundmutual fund0.23%
Fidelity Extended Market Index Fundmutual fund0.20%
iShares Micro-Cap ETFETF0.14%

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