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/company/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 M3F,, BlackRock,, VANGUARD CAPITAL MANAGEMENT. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/company/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

44.1/100

Rank #1,935 of 2,961 stocks

View Financials peers →

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

Revenue Growth

52.3/100

Profitability

75.0/100

Balance Sheet

41.1/100

Earnings Quality

9.1/100

Free Cash Flow

16.7/100

Institutional Flow

19.5/100

Revenue Scale

15.9/100

Dilution Risk

18.9/100

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Why PBFS Scores 44/100

exact factor attribution · 2026-09-11

PBFS's composite is driven by profitability, held back by scale and free cash flow. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Profitability

+5.0 pts

75th pct

Revenue growth

+0.6 pts

52th pct

Earnings growth

+0.6 pts

59th pct

Capital efficiency

-1.2 pts

41th pct

Institutional flow

-2.0 pts

20th pct

Shareholder dilution

-2.1 pts

19th pct

Earnings quality

-4.1 pts

9th pct

Free cash flow

-5.0 pts

17th pct

Scale

-6.8 pts

16th pct

Latest change (2026-08-11): 57 → 54 · ↓ Revenue growth 56→40; ↓ Earnings growth 61→44; despite ↑ Free cash flow 88→97

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

PBFS Stock Analysis & AI Quality Score

Data updated 2026-09-11

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 44.1/100 on a 32-signal composite quality model, placing it at rank #1,935 of 2,961 stocks — the bottom half of the AI-ranked universe. PBFS scores in the top quartile across profitability (75.0). Areas of concern include earnings quality (9.1) and revenue scale (15.9), which score below median versus the broader universe. Shareholder dilution risk is elevated at 18.9/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), Pioneer Bancorp, Inc./MD reports quarterly revenue of $4.3M, net income of $3.5M. Top institutional holders of PBFS by reported 13-F value include M3F, BlackRock, VANGUARD CAPITAL MANAGEMENT, 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 44 and 63 since 2024, currently 44.1 — a declining long-term trajectory across 46 quarterly and live scoring snapshots.

✦

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

Q2 2026

$4.3M

Net Income

Q2 2026

$3.5M

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

—FY 2026

FY23 $79.7MFY24 $82.8MFY25 —FY26 —

Net Income

—FY 2026

FY23 $21.9MFY24 $15.3MFY25 —FY26 —

EPS (Diluted)

—FY 2026

FY23 $0.87FY24 $0.61FY25 —FY26 —

Total Assets

+12.7% YoY

$2.36BFY 2026

FY23 $1.86BFY24 $1.90BFY25 $2.10BFY26 $2.36B

Op. Cash Flow

—FY 2026

FY23 $26.3MFY24 $23.8MFY25 —FY26 —

Free Cash Flow

—FY 2026

FY23 $25.8MFY24 $23.0MFY25 —FY26 —

Metric	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Revenue	—	—	$82.8M +4.0%	$79.7M +41.2%	$56.5M +342.1%	$12.8M
Net Income	—	—	$15.3M -30.5%	$21.9M +113.5%	$10.3M +854.4%	$1.1M
EPS (Diluted)	—	—	$0.61 -29.9%	$0.87 +112.2%	$0.41 +925.0%	$0.04
Total Assets	$2.36B +12.7%	$2.10B +10.6%	$1.90B +2.1%	$1.86B -5.5%	$1.96B +9.4%	$1.80B
Operating Cash Flow	—	—	$23.8M -9.2%	$26.3M -47.4%	$50.0M +53.0%	$32.7M
Free Cash Flow	—	—	$23.0M -10.9%	$25.8M -47.5%	$49.2M +53.4%	$32.1M

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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

M3F, Inc.
$31.1M1,821,973 sh
BlackRock, Inc.
$10.8M631,152 sh
VANGUARD CAPITAL MANAGEMENT LLC
$8.3M484,060 sh
ALLIANCEBERNSTEIN L.P.
$7.3M523,014 sh
Private Capital Management, LLC
$6.3M366,774 sh
GEODE CAPITAL MANAGEMENT, LLC
$4.5M266,275 sh
DIMENSIONAL FUND ADVISORS LP
$3.8M224,755 sh
STATE STREET CORP
$3.1M180,376 sh
First Pacific Advisors, LP
$2.9M166,974 sh
NORTHERN TRUST CORP
$1.4M83,423 sh

Fund	Value	Shares
M3F, Inc.	$31.1M	1,821,973
BlackRock, Inc.	$10.8M	631,152
VANGUARD CAPITAL MANAGEMENT LLC	$8.3M	484,060
ALLIANCEBERNSTEIN L.P.	$7.3M	523,014
Private Capital Management, LLC	$6.3M	366,774
GEODE CAPITAL MANAGEMENT, LLC	$4.5M	266,275
DIMENSIONAL FUND ADVISORS LP	$3.8M	224,755
STATE STREET CORP	$3.1M	180,376
First Pacific Advisors, LP	$2.9M	166,974
NORTHERN TRUST CORP	$1.4M	83,423

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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. PBFS is classified as a small company.

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.