What is the 13F Pro Quality Score for PBFS?

13F Pro ranks Pioneer Bancorp, Inc./MD (PBFS) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View PBFS's current score at https://13fpro.ai/research/PBFS (free sign-up required for the full ranking).

Which hedge funds own the most PBFS stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of PBFS include BlackRock,, VANGUARD CAPITAL MANAGEMENT, ALLIANCEBERNSTEIN L.P.. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/PBFS as soon as new 13F filings post.

Where does 13F Pro source PBFS data?

All Pioneer Bancorp, Inc./MD fundamentals and ownership data come directly from SEC EDGAR. Pioneer Bancorp, Inc./MD files with the SEC under CIK 1769663. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is PBFS in?

Pioneer Bancorp, Inc./MD (PBFS) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is PBFS research updated on 13F Pro?

PBFS's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Pioneer Bancorp, Inc./MD(PBFS)Stock Analysis

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13F Pro Quality Score

57.1/100

Rank #1,071 of 2,879 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

55.6/100

Profitability

97.0/100

Balance Sheet

44.0/100

Earnings Quality

60.9/100

Free Cash Flow

88.4/100

Institutional Flow

41.0/100

Revenue Scale

4.4/100

Dilution Risk

19.7/100

PBFS Stock Analysis & AI Quality Score

AI stock analysis and institutional research for Pioneer Bancorp, Inc./MD (PBFS), a Financials sector company. 13F Pro's AI-powered ranking engine scores PBFS at 57.1/100 on a 32-signal composite quality model, placing it at rank #1,071 of 2,879 stocks — the top half of the AI-ranked universe. PBFS scores in the top quartile across profitability (97.0), free cash flow (88.4). Areas of concern include revenue scale (4.4), which score below median versus the broader universe. Shareholder dilution risk is elevated at 19.7/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q3 2026), Pioneer Bancorp, Inc./MD reports quarterly revenue of $24.6M, net income of $5.3M, an operating margin of 23.2%. Top institutional holders of PBFS by reported 13-F value include BlackRock,, VANGUARD CAPITAL MANAGEMENT, ALLIANCEBERNSTEIN L.P., based on the most recent SEC filings. PBFS trades on the Nasdaq exchange and files with the SEC under CIK 1769663. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate PBFS daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Pioneer Bancorp, Inc./MD directly from SEC EDGAR. Pioneer Bancorp, Inc./MD's 13F Pro composite quality score has ranged between 56 and 65 since 2024, currently 57.1 — a stable long-term trajectory across 15 quarterly and live scoring snapshots.

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Fun facts about Pioneer Bancorp, Inc./MD

Quirks, history, and lore behind PBFS — the kind of stuff that makes a stock memorable.

1
The Basics
A community bank holding company · small-cap · headquartered in Maryland · serving customers in the Mid-Atlantic region.
2
The Numbers
With total assets in the hundreds of millions, this is decidedly not a Wall Street titan — it's the kind of bank where the branch manager knows your name.
3
The History
Rooted in the traditions of community banking, the company has served local businesses and households in its Maryland market for decades, growing steadily rather than splashily.
4
The Secret
Its bread and butter is traditional banking — taking deposits and making loans — with a focus on relationship banking over flashy fintech gimmicks.
5
The Lore
Operating in the Hagerstown, Maryland area, it serves a market nestled between the Appalachian ridges — sturdy, unhurried, and quietly profitable the old-fashioned way.
6
The Giveaway
This Maryland-chartered savings bank trades under the ticker PBFS and carries the word "Pioneer" in its name — fitting for a bank that's been quietly planting roots in western Maryland.

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Revenue

Q3 2026

$24.6M

Net Income

Q3 2026

$5.3M

Free Cash Flow

Q3 2026

$-161.0K

Operating Margin

Q3 2026

23.2%

ROIC

Q3 2026

1.7%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

-1.9% YoY

$13.0MFY 2023

FY20 $12.6MFY21 $12.8MFY22 $13.2MFY23 $13.0M

Net Income

+113.5% YoY

$21.9MFY 2023

FY20 $5.2MFY21 $1.1MFY22 $10.3MFY23 $21.9M

EPS (Diluted)

+112.2% YoY

$0.87FY 2023

FY20 $0.21FY21 $0.04FY22 $0.41FY23 $0.87

Total Assets

-5.5% YoY

$1.86BFY 2023

FY20 $1.53BFY21 $1.80BFY22 $1.96BFY23 $1.86B

Op. Cash Flow

-47.4% YoY

$26.3MFY 2023

FY20 $2.0MFY21 $32.7MFY22 $50.0MFY23 $26.3M

Metric	FY 2023	FY 2022	FY 2021	FY 2020	FY 2018	FY 2017
Revenue	$13.0M -1.9%	$13.2M +3.6%	$12.8M +1.7%	$12.6M	—	—
Net Income	$21.9M +113.5%	$10.3M +854.4%	$1.1M -79.3%	$5.2M -54.8%	$11.5M	—
EPS (Diluted)	$0.87 +112.2%	$0.41 +925.0%	$0.04 -81.0%	$0.21	—	—
Total Assets	$1.86B -5.5%	$1.96B +9.4%	$1.80B +17.7%	$1.53B +18.9%	$1.28B	—
Operating Cash Flow	$26.3M -47.4%	$50.0M +53.0%	$32.7M +1512.5%	$2.0M -91.2%	$23.0M	—

AI Insight: PBFS Financial Trends

Pioneer Bancorp equity has grown steadily to $329M in Q1 2026, but net income remains thin and volatile at $4–6M per quarter.

• Equity expanded from $284M in Q4 2023 to $329M in Q1 2026, a $45M cumulative increase over five quarters of data.

• Revenue has been flat at $4M across nearly all reported quarters, with only a single uptick to $5M in Q4 2025.

• Net income swung from a $2M loss in Q4 2024 to $6M gains in Q1 and Q2 2025, showing meaningful volatility.

• Operating cash flow is erratic, ranging from -$4M in Q1 2025 to $6M in Q4 2025, with Q1 2026 near zero.

⚠ Q4 2024 net loss of $2M disrupts an otherwise positive earnings trend — worth monitoring for recurrence.

⚠ Revenue stagnation at $4M with no upward trajectory limits earnings expansion potential going forward.

⚠ Operating CF turned near-zero in Q1 2026 after a strong $6M in Q4 2025 — early sign of cash generation softening.

AI Insight: PBFS Ratio Trends

ROIC peaked at 10.4% in Q2 2025 and has since retreated to 7.0% in Q1 2026, signaling a meaningful post-peak deceleration in returns.

• ROIC expanded from 5.7% in Q4 2023 to a peak of 10.4% in Q2 2025, then contracted to 7.0% in Q1 2026.

• ROE followed a similar arc: rising from 4.5% in Q4 2023 to 8.2% in Q2 2025, then falling to 6.4% in Q1 2026.

• NPM rebounded sharply to 137.7% in Q1 2026 from 82.1% in Q4 2025, recovering toward Q2 2025's 162.3% peak.

• D/E data is absent across all periods, limiting leverage and balance-sheet trend assessment.

⚠ Q4 2024 showed negative ROE of -2.3% and ROIC of -2.6% — a one-quarter loss event worth monitoring for recurrence.

⚠ ROIC of 7.0% in Q1 2026 remains below Q1 2024's 8.4%, suggesting the recovery has not yet fully recaptured prior levels.

⚠ Sequential NPM recovery from 82.1% to 137.7% quarter-over-quarter warrants monitoring for sustainability into Q2 2026.

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Available Research

13F Pro tracks comprehensive data for Pioneer Bancorp, Inc./MD including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of PBFS

BlackRock, Inc.
$8.4M602,142 sh
VANGUARD CAPITAL MANAGEMENT LLC
$7.3M525,673 sh
ALLIANCEBERNSTEIN L.P.
$6.9M508,981 sh
Private Capital Management, LLC
$4.9M354,839 sh
GEODE CAPITAL MANAGEMENT, LLC
$3.2M233,381 sh
DIMENSIONAL FUND ADVISORS LP
$3.0M217,592 sh
STATE STREET CORP
$2.5M181,916 sh
First Pacific Advisors, LP
$2.3M166,974 sh
NORTHERN TRUST CORP
$1.1M79,121 sh
VANGUARD FIDUCIARY TRUST CO
$1.1M77,480 sh

Fund	Value	Shares
BlackRock, Inc.	$8.4M	602,142
VANGUARD CAPITAL MANAGEMENT LLC	$7.3M	525,673
ALLIANCEBERNSTEIN L.P.	$6.9M	508,981
Private Capital Management, LLC	$4.9M	354,839
GEODE CAPITAL MANAGEMENT, LLC	$3.2M	233,381
DIMENSIONAL FUND ADVISORS LP	$3.0M	217,592
STATE STREET CORP	$2.5M	181,916
First Pacific Advisors, LP	$2.3M	166,974
NORTHERN TRUST CORP	$1.1M	79,121
VANGUARD FIDUCIARY TRUST CO	$1.1M	77,480

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Is PBFS a good stock to buy?

13F Pro's AI-powered analysis of Pioneer Bancorp, Inc./MD (PBFS) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for PBFS are available on the PBFS stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own PBFS?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling PBFS. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Pioneer Bancorp, Inc./MD's investment landscape.