Pioneer Bancorp Inc
PBFSFinancial·Banks - Regional·USA·Small·NASD·Nov 11 • 12:14 PM ET
Price
PBFS against its 20, 50 and 200-day averages7.7% 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
Profile
PBFSPioneer 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.
| Index | RUT |
|---|---|
| Employees | 269 |
| IPO | Jul 18, 2019 |
| Beta | 0.43 |
| ATR, 14d | 0.43 |
| Rel volume | 0.06 |
| Short float | 1.06% |
| Insider own | 59.41% |
| Inst own | 23.01% |
Snapshot
6 groupsValuation
| Index | RUT |
|---|---|
| Market Cap | 456.47M |
| Enterprise Value | - |
| Income | 12.60M |
| Sales | 142.28M |
| Book/sh | 13.35 |
| Cash/sh | - |
| Dividend Est. | - |
| Dividend TTM | - |
| Dividend Ex-Date | - |
| Dividend Gr. 3/5Y | - - |
| Payout | 0.00% |
| Employees | 269 |
| IPO | Jul 18, 2019 |
Ratios
| P/E | 35.46 |
|---|---|
| Forward P/E | - |
| PEG | - |
| P/S | 3.21 |
| P/B | 1.38 |
| P/C | - |
| P/FCF | 8.38 |
| EV/EBITDA | - |
| EV/Sales | - |
| Quick Ratio | - |
| Current Ratio | 0.50 |
| Debt/Eq | 0.23 |
| LT Debt/Eq | 0.23 |
| Option/Short | No / Yes |
Earnings
| EPS (ttm) | 0.52 |
|---|---|
| EPS next Y | - |
| EPS next Q | - |
| EPS this Y | - |
| EPS next Y | - |
| EPS next 5Y | - |
| EPS past 3/5Y | 26.39% 31.78% |
| Sales past 3/5Y | 30.01% 12.84% |
| EPS Y/Y TTM | -36.83% |
| Sales Y/Y TTM | 17.83% |
| EPS Q/Q | -98.01% |
| Sales Q/Q | 22.90% |
| Earnings | - |
| EPS/Sales Surpr. | - - |
Ownership
| Insider Own | 59.41% |
|---|---|
| Insider Trans | 0.00% |
| Inst Own | 23.01% |
| Inst Trans | 0.13% |
| ROA | 0.52% |
| ROE | 3.95% |
| ROIC | 3.16% |
| Gross Margin | - |
| Oper. Margin | 16.93% |
| Profit Margin | 8.86% |
| SMA20 | 1.14% |
| SMA50 | 2.23% |
| SMA200 | 13.87% |
| Trades | - |
Technical
| Shs Outstand | 24.22M |
|---|---|
| Shs Float | 10.09M |
| Short Float | 1.06% |
| Short Ratio | 7.84 |
| Short Interest | 0.11M |
| 52W High | 19.91 -7.73% |
| 52W Low | 13.00 41.31% |
| Volatility | 3.45% 2.18% |
| ATR (14) | 0.43 |
| RSI (14) | 54.77 |
| Beta | 0.43 |
| Rel Volume | 0.06 |
| Avg Volume | 13.68K |
| Volume | 396 |
Performance
| Perf Week | -2.29% |
|---|---|
| Perf Month | 4.38% |
| Perf Quarter | 6.25% |
| Perf Half Y | 24.12% |
| Perf YTD | 36.28% |
| Perf Year | 36.38% |
| Perf 3Y | 130.49% |
| Perf 5Y | 41.53% |
| Perf 10Y | - |
| Recom | - |
| Target Price | - |
| Prev Close | 18.31 |
| Price | 18.37 |
| Change % | 0.33% |
Peers
Mkt cap| Ticker | Company | Mkt cap |
|---|---|---|
| AROW | Arrow Financial Corp | 713.23M |
| TRST | Trustco Bank Corp | 959.38M |
| CHMG | Chemung Financial Corp | 415.00M |
| GCBC | Greene Bancorp Inc | 611.35M |
| RBKB | Rhinebeck Bancorp Inc | 205.93M |
| OBT | Orange County Bancorp Inc | 532.62M |
| NECB | NorthEast Community Bancorp Inc | 398.93M |
| PDLB | Ponce Financial Group Inc | 531.54M |
| PBHC | Pathfinder Bancorp Inc | 106.93M |
| WNEB | Western New England Bancorp Inc | 270.00M |
Insider trading
2 filings| Insider | Relationship | Date | Transaction | Cost | Shares | Value | Total held | Form |
|---|---|---|---|---|---|---|---|---|
| Tomczak Jesse | EVP and CBO | Dec 12 '25 | Sale | 14.69 | 5,395 | 79,244 | 41,000 | Dec 15 02:04 PM |
| Tomczak Jesse | Officer | Dec 12 '25 | Proposed Sale | 14.21 | 5,395 | 76,662 | Dec 12 01:52 PM |
Held by
AUM| Ticker | Company | AUM |
|---|---|---|
| VTI | Vanguard Morningstar Total Stock Market ETF | AUM: 687.42B |
| IWM | iShares Russell 2000 Index Fund | AUM: 77.38B |
| VXF | Vanguard Extended Market Index ETF | AUM: 30.47B |
| IWN | iShares Russell 2000 Value ETF | AUM: 14.10B |
| BSVO | EA Bridgeway Omni Small-Cap Value ETF | AUM: 2.44B |
| DFAC | U.S. Core Equity 2 Portfolio-ETF Class Shares | - |
| VTWO | Vanguard Russell 2000 Index ETF | AUM: 16.75B |
| DFAT | U.S. Targeted Value Portfolio-ETF Class Shares | - |
| DFMC | U.S. Micro Cap Portfolio ETF Class Shares | - |
| IWC | iShares Micro-Cap ETF | AUM: 1.22B |
News
latest 14 of 44- Pioneer Announces Acquisition of Targeted Lending Co., LLC, Launching Pioneer Specialty Financing Division (Business Wire)
- PBFS Stock Earnings: Pioneer Bancorp Reported Results for Q3 2024 (InvestorPlace)
- How Pioneer plans to grow into a $5 billion institution (American City Business Journals)
- Investors in Pioneer Bancorp (NASDAQ:PBFS) have unfortunately lost 30% over the last three years (Simply Wall St.)
- Pioneer Bank expanding its SBA lending program with new hire (American City Business Journals)
- Loading…
- What Type Of Shareholders Own The Most Number of Pioneer Bancorp, Inc. (NASDAQ:PBFS) Shares? (Simply Wall St.)
- Pioneer Bancorp (NASDAQ:PBFS) shareholders have endured a 12% loss from investing in the stock a year ago (Simply Wall St.)
- What Type Of Shareholders Own The Most Number of Pioneer Bancorp, Inc. (NASDAQ:PBFS) Shares? (Simply Wall St.)
- Those who invested in Pioneer Bancorp (NASDAQ:PBFS) a year ago are up 35% (Simply Wall St.)
- What Type Of Shareholders Make Up Pioneer Bancorp, Inc.'s (NASDAQ:PBFS) Share Registry? (Simply Wall St.) -5.09%
- What Type Of Returns Would Pioneer Bancorp's(NASDAQ:PBFS) Shareholders Have Earned If They Purchased Their SharesYear Ago? (Simply Wall St.)
- Are Institutions Heavily Invested In Pioneer Bancorp, Inc.'s (NASDAQ:PBFS) Shares? (Simply Wall St.) +7.79%
- Pioneer Bancorp (NASDAQ:PBFS) Share Prices Have Dropped 38% In The Last Year (Simply Wall St.)
Quarterly earnings
actual against estimate| Period | Reported | EPS act | EPS est | EPS rep | Sales act | Sales est | Analysts |
|---|---|---|---|---|---|---|---|
| 2026Q1 | 2026-04-30 | - | - | 0.217 | - | - | - |
| 2025Q4 | 2026-01-30 | - | - | 0.154 | - | - | - |
| 2025Q3 | 2025-04-30 | - | - | 0.231 | - | - | - |
| 2025Q2 | 2025-01-30 | - | - | 0.000 | - | - | - |
| 2025Q1 | 2024-10-30 | - | - | 0.251 | - | - | - |
| 2024Q4 | 2024-07-31 | - | - | 0.156 | - | - | - |
| 2024Q3 | 2024-05-01 | - | - | 0.187 | - | - | - |
| 2024Q2 | 2024-02-07 | - | - | 0.127 | - | - | - |
| 2024Q1 | 2023-11-06 | - | - | 0.136 | - | - | - |
| 2023Q4 | 2023-08-16 | - | - | 0.179 | - | - | - |
| 2023Q3 | 2023-05-05 | - | - | 0.239 | - | - | - |
| 2023Q2 | 2023-01-30 | - | - | 0.246 | - | - | - |
| 2023Q1 | 2022-11-09 | - | - | 0.208 | - | - | - |
Annual earnings
| Period | EPS act | EPS est | EPS rep | Sales act | Sales est |
|---|---|---|---|---|---|
| No annual earnings. | |||||
Estimate revisions
last 14 periods| Period | Type | Date | Estimates | Up | Down | Mean | Low | High |
|---|---|---|---|---|---|---|---|---|
| No estimate revisions. | ||||||||
Estimate history
| EPS, annual | 0.217 | 0.443 | 0.281 | 0.208 | 0.043 | 0.409 | 0.872 | 0.826 | 0.5181 |
|---|---|---|---|---|---|---|---|---|---|
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2025 | TTM |
| EPS, quarterly | 0.156 | 0.251 | 0 | 0.231 | 0.154 | 0.217 | 0.143 | 0.004 | |
| Period | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Sales, annual | 49.307 | 59.404 | 69.149 | 69.229 | 59.665 | 57.641 | 85.181 | 126.67 | 142.28 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2025 | TTM |
| Sales, quarterly | 27.268 | 28.497 | 0 | 29.573 | 33.183 | 32.308 | 37.336 | 39.454 | |
| Period | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Shares, annual | 25.978 | 25.978 | 25.978 | 25.036 | 25.087 | 25.15 | 25.188 | 24.41 | 24.225 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2025 | MRQ |
| Shares, quarterly | 25.523 | 25.421 | - | 25.153 | 24.41 | 24.428 | 24.205 | 24.225 | |
| Period | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
Income statement, annual
| Metric | TTM | 2025FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY | |
|---|---|---|---|---|---|---|---|---|---|
| Interest Income | 122.32 | 109.53 | - | 71.03 | 43.84 | 43.93 | 53.52 | 54.16 | 46.49 |
| Total Interest Expense | 34.85 | 30.38 | - | 5.49 | 1.46 | 2.11 | 4.73 | 4.48 | 3.19 |
| Net Interest Income | 87.47 | 79.15 | - | 65.54 | 42.38 | 41.82 | 48.79 | 49.68 | 43.30 |
| Loan Loss Provision | 4.01 | 3.69 | - | 0.00 | -0.55 | 4.05 | 6.79 | 18.15 | 1.97 |
| Net Interest Income After Loan Loss Provision | 83.46 | 75.45 | - | 65.54 | 42.93 | 37.77 | 42.00 | 31.53 | 41.33 |
| Non-Interest Income | 19.96 | 17.14 | - | 14.15 | 13.80 | 15.74 | 15.71 | 14.99 | 12.92 |
| Non-Interest Expense | 79.34 | 64.10 | - | 51.83 | 47.49 | 46.36 | 49.19 | 37.89 | 36.33 |
| Operating Income | 24.08 | 28.49 | - | 27.86 | 9.23 | 7.15 | 8.52 | 8.63 | 17.92 |
| Unusual Expense | 8.20 | 2.00 | - | 0.00 | -3.83 | 4.50 | 2.50 | 0.00 | 0.00 |
| Net Income Before Taxes | 15.88 | 26.49 | - | 27.86 | 13.34 | 2.66 | 6.00 | 8.05 | 17.81 |
| Income Taxes | 3.28 | 6.20 | - | 5.91 | 3.06 | 1.58 | 0.80 | 0.74 | 6.31 |
| Consolidated Net Income | 12.60 | 20.29 | - | 21.95 | 10.28 | 1.08 | 5.20 | 7.31 | 11.50 |
| Net Income From Continuing Operations | 12.60 | 20.29 | - | 21.95 | 10.28 | 1.08 | 5.20 | 7.31 | 11.50 |
| Net Income | 12.60 | 20.29 | - | 21.95 | 10.28 | 1.08 | 5.20 | 7.31 | 11.50 |
| EPS (Recurring) | 0.75 | 0.88 | - | 0.87 | 0.30 | 0.17 | 0.28 | 0.73 | 0.44 |
| EPS (Basic, Before Extraordinaries) | 0.52 | 0.83 | - | 0.87 | 0.41 | 0.04 | 0.21 | 0.28 | 0.44 |
| EPS (Diluted) | 0.52 | 0.83 | - | 0.87 | 0.41 | 0.04 | 0.21 | 0.28 | 0.44 |
| Non-Operating Income (Expense) | 0.00 | 0.00 | - | 0.00 | 0.28 | 0.01 | -0.03 | -0.58 | -0.11 |
| Other After Tax Adjustments | 0.00 | 0.00 | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | 1.45 | 0.50 | - | 0.41 | 0.46 | 0.39 | 0.73 | - | - |
| Price To Earnings Ratio | 35.34 | 35.34 | - | 10.26 | 23.94 | 278.24 | 44.22 | - | - |
| Price To Sales Ratio | 3.04 | 2.61 | - | 2.64 | 4.27 | 5.05 | 3.31 | - | - |
| Operating Margin | 16.93 | 22.49 | - | 32.70 | 16.02 | 11.98 | 12.31 | 12.48 | 30.17 |
| Net Margin | 8.86 | 16.02 | - | 25.77 | 17.83 | 1.81 | 7.51 | 10.57 | 19.36 |
| Shares Outstanding | 24.22 | 24.41 | - | 25.19 | 25.15 | 25.09 | 25.04 | 25.98 | 25.98 |
| Market Capitalization | 454.98 | 454.98 | - | 232.50 | 254.58 | 312.25 | 237.70 | 239.26 | - |
Income statement, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q5 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 33.69 | 31.87 | 28.37 | 28.39 | 28.29 | 27.01 | 25.85 | 1E-06 |
| Total Interest Expense | 10.07 | 9.02 | 7.62 | 8.13 | 8.08 | 7.40 | 6.76 | - |
| Net Interest Income | 23.61 | 22.85 | 20.75 | 20.25 | 20.20 | 19.61 | 19.08 | 1E-06 |
| Loan Loss Provision | 1.32 | 1.35 | 0.78 | 0.56 | 0.79 | 1.55 | 0.80 | - |
| Net Interest Income After Loan Loss Provision | 22.29 | 21.50 | 19.97 | 19.69 | 19.42 | 18.06 | 18.28 | - |
| Non-Interest Income | 5.77 | 5.46 | 3.94 | 4.79 | 3.81 | 4.81 | 3.73 | 0.00 |
| Non-Interest Expense | 21.80 | 22.18 | 18.20 | 17.16 | 17.62 | 14.73 | 14.59 | - |
| Operating Income | 6.27 | 4.79 | 5.71 | 7.33 | 5.61 | 8.14 | 7.42 | 1E-06 |
| Unusual Expense | 6.20 | 0.00 | 0.00 | 2.00 | 0.00 | 0.00 | 0.00 | - |
| Net Income Before Taxes | 0.07 | 4.79 | 5.71 | 5.33 | 5.61 | 8.14 | 7.42 | 1E-06 |
| Income Taxes | -0.02 | 1.30 | 0.42 | 1.58 | 1.28 | 1.69 | 1.65 | - |
| Consolidated Net Income | 0.09 | 3.48 | 5.29 | 3.74 | 4.33 | 6.45 | 5.76 | - |
| Net Income From Continuing Operations | 0.09 | 3.48 | 5.29 | 3.74 | 4.33 | 6.45 | 5.76 | 1E-06 |
| Net Income | 0.09 | 3.48 | 5.29 | 3.74 | 4.33 | 6.45 | 5.76 | 1E-06 |
| EPS (Recurring) | 0.18 | 0.14 | 0.22 | 0.21 | 0.18 | 0.26 | 0.23 | - |
| EPS (Basic, Before Extraordinaries) | 0.00 | 0.14 | 0.22 | 0.16 | 0.18 | 0.26 | 0.23 | 0.00 |
| EPS (Diluted) | 0.00 | 0.14 | 0.22 | 0.15 | 0.18 | 0.26 | 0.23 | 0.00 |
| Non-Operating Income (Expense) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | - |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | - |
| Stock Option Compensation Expense | 0.64 | 0.50 | 0.18 | 0.13 | 0.13 | 0.40 | 0.15 | - |
| Price To Earnings Ratio | 35.34 | 21.07 | 16.90 | 16.36 | 15.82 | 14.38 | 16.71 | 20.02 |
| Price To Sales Ratio | 3.04 | 3.08 | 2.62 | 2.59 | 2.66 | 2.55 | 2.79 | - |
| Operating Margin | 15.88 | 12.82 | 17.66 | 22.08 | 17.47 | 25.58 | 25.08 | 100.00 |
| Net Margin | 0.22 | 9.33 | 16.37 | 11.28 | 13.49 | 20.28 | 19.49 | 100.00 |
| Shares Outstanding | 24.22 | 24.21 | 24.43 | 24.41 | 24.41 | 24.87 | 25.15 | - |
| Market Capitalization | 454.98 | 428.06 | 349.07 | 338.09 | 330.35 | 311.01 | 302.68 | 299.22 |
Balance sheet, annual
| Metric | 2025FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY | 2017FY | |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | 29.84 | - | 33.58 | 29.83 | 24.49 | 21.19 | 48.38 | 23.19 | 28.79 |
| Investments | 372.75 | - | 576.80 | 855.32 | 605.36 | 270.77 | 295.34 | 191.34 | 98.89 |
| Net Loans | 1,646.26 | - | 1,144.17 | 982.57 | 1,081.80 | 1,148.40 | 1,038.14 | 985.90 | 932.76 |
| Investment in Unconsolidated Affiliates | 0.00 | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Customer Liability on Acceptances | 0.00 | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Real Estate Assets | - | - | - | 0.00 | 0.36 | 0.26 | 0.16 | 0.07 | - |
| Net Property, Plant & Equipment | 35.58 | - | 41.62 | 37.31 | 38.92 | 40.86 | 41.71 | 42.90 | 37.38 |
| Interest Receivables | 8.89 | - | 7.19 | 4.62 | 4.05 | 3.47 | 4.37 | 3.85 | 3.26 |
| Deferred Tax Assets | 10.83 | - | 14.77 | 12.88 | 11.89 | 15.75 | 9.91 | 8.92 | 14.02 |
| Other Intangible Assets | 58.43 | - | 47.60 | 47.94 | 36.06 | 33.12 | 37.55 | 36.95 | 27.65 |
| Total Assets | 2,162.57 | - | 1,865.74 | 1,970.47 | 1,802.93 | 1,533.82 | 1,475.56 | 1,284.13 | 1,142.75 |
| Total Deposits | 1,748.31 | - | 1,549.74 | 1,685.87 | 1,536.71 | 1,276.19 | 1,337.36 | 1,150.26 | 1,014.93 |
| Total Debt | 54.42 | - | 5.71 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 5.00 |
| Long Term Debt | 3.82 | - | 5.12 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Provision for Risks Charges | 1.06 | - | 1.38 | 1.54 | 1.95 | 12.50 | 2.30 | 0.00 | 3.02 |
| Deferred Tax Liabilities | 11.88 | - | 9.55 | 6.24 | 6.68 | 7.41 | 7.28 | 6.52 | 8.61 |
| Other Liabilities | 23.03 | - | 32.66 | 34.19 | 19.78 | 13.76 | 11.41 | 15.80 | 7.18 |
| Total Liabilities | 1,838.70 | - | 1,599.04 | 1,727.84 | 1,565.11 | 1,309.85 | 1,358.35 | 1,166.07 | 1,038.74 |
| Preferred Stock - Carrying Value | 0.00 | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 323.86 | - | 266.70 | 242.63 | 237.82 | 223.97 | 123.26 | 118.06 | 104.01 |
| Total Shareholders Equity | 323.86 | - | 266.70 | 242.63 | 237.82 | 223.97 | 123.26 | 118.06 | 104.01 |
| Accumulated Minority Interest | 0.00 | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 323.86 | - | 266.70 | 242.63 | 237.82 | 223.97 | 123.26 | 118.06 | 104.01 |
| Total Liabilities & Stockholders Equity | 2,162.57 | - | 1,865.74 | 1,970.47 | 1,802.93 | 1,533.82 | 1,481.61 | 1,284.13 | 1,142.75 |
| Book Value Per Share | 13.27 | - | 10.59 | 9.65 | 9.48 | 8.95 | 4.74 | 4.54 | 4.00 |
| Tangible Book Value Per Share | 12.76 | - | 10.16 | 9.20 | 9.12 | 8.57 | 4.37 | 4.15 | 3.78 |
| Tier 1 Capital | 240.65 | - | 208.58 | 185.89 | 177.27 | 175.42 | 136.88 | 116.67 | - |
| Tier 2 Capital | 18.57 | - | 13.94 | 13.04 | 13.30 | 14.41 | 13.90 | 12.82 | - |
| Full-Time Employees | 269 | - | 256 | 256 | 262 | 267 | 247 | 267 | - |
| Price to Book Ratio | 1.37 | - | 0.85 | 1.02 | 1.27 | 1.02 | 1.01 | - | - |
| Return on Assets | 1.00 | - | 1.14 | 0.54 | 0.06 | 0.34 | 0.53 | 0.90 | - |
| Return on Equity | 6.54 | - | 8.62 | 4.28 | 0.47 | 2.90 | 6.06 | 9.74 | - |
| Return on Invested Capital | 6.19 | - | 8.07 | 4.24 | 0.45 | 2.32 | 5.93 | 9.74 | 5.41 |
| Current Ratio | 0.09 | - | 0.13 | 0.30 | 0.29 | 0.18 | 0.25 | 0.12 | 0.07 |
Cash flow, annual
| Metric | TTM | 2025FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY | |
|---|---|---|---|---|---|---|---|---|---|
| Funds from Operations | 37.98 | 24.82 | - | 25.39 | 15.21 | 6.25 | 16.73 | 28.14 | 17.27 |
| Extraordinary Item | 0.00 | 0.00 | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | 18.79 | -13.70 | - | 0.76 | 34.65 | 26.09 | -14.71 | -22.23 | 2.96 |
| Cash from Operating Activities | 56.78 | 11.12 | - | 26.15 | 49.86 | 32.34 | 2.02 | 5.90 | 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 | -1.66 | 0.00 | 0.00 | 0.00 | -4.70 |
| Sale of Fixed Assets and Businesses | 0.00 | 0.00 | - | 0.00 | 1.19 | 0.17 | 0.14 | 0.62 | 0.07 |
| Purchase or Sale of Investments | 9.49 | 95.23 | - | 46.24 | -246.04 | -186.47 | 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 Investments | 110.05 | 234.19 | - | 190.49 | 114.57 | 68.34 | 89.67 | 66.79 | 72.47 |
| Other Uses | 0.00 | 0.00 | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 0.00 | 1.14 | - | 1.14 | 0.00 | 0.00 | 1.14 | 0.00 | 0.00 |
| Cash from Investing Activities | -356.99 | -125.79 | - | -114.77 | -147.92 | -124.79 | -109.47 | -77.79 | -75.93 |
| Cash Dividends Paid | 0.00 | 0.00 | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | -3.72 | -11.22 | - | 0.00 | 0.00 | 0.00 | 95.41 | 0.00 | 0.00 |
| Repurchase of Common Pref Stock | -3.89 | -11.29 | - | 0.00 | 0.00 | 0.00 | -13.64 | 0.00 | 0.00 |
| Sale of Common Pref Stock | 0.17 | 0.08 | - | 0.00 | 0.00 | 0.00 | 109.06 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | 0.00 | 0.00 | - | 0.00 | 0.00 | 0.00 | 109.06 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | 75.00 | 10.00 | - | -0.09 | 0.00 | 0.00 | 0.00 | 0.00 | -5.00 |
| Change in Long Term Debt | 65.00 | 0.00 | - | -0.09 | 0.00 | 0.00 | 0.00 | 0.00 | -5.00 |
| Issuance of Long Term Debt | 25.00 | 0.00 | - | 0.02 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Reduction of Long Term Debt | 40.00 | 0.00 | - | -0.11 | 0.00 | 0.00 | 0.00 | 0.00 | -5.00 |
| Net Financing Active Other Cash Flow | -0.16 | -0.90 | - | -0.73 | 0.00 | 0.00 | 0.00 | 0.00 | 0.48 |
| Other Financing Activities Uses | -0.16 | -0.90 | - | -0.73 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Financing Activities | 307.52 | 151.83 | - | -136.96 | 149.16 | 260.51 | 34.24 | 181.72 | 135.71 |
| Net Change in Cash | 7.31 | 37.15 | - | -225.58 | 51.10 | 168.06 | -73.21 | 109.83 | 80.02 |
| Free Cash Flow | 54.49 | 8.80 | - | 25.70 | 49.08 | 31.74 | 0.32 | 3.62 | 12.22 |
| Preferred Dividends (Cash Flow) | - | 0.00 | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Price to Free Cash Flow | 7.93 | 37.63 | - | 8.77 | 5.02 | 9.49 | 710.79 | - | - |
| Federal Home Loan Advances Increase (Decrease) | - | -0.81 | - | -0.10 | 0.12 | -0.20 | -0.09 | -0.04 | 0.00 |
Balance sheet, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q5 | 2025Q4 |
|---|---|---|---|---|---|---|
| Cash & Due from Banks | 70.11 | 36.95 | 26.94 | 29.84 | 58.07 | 29.59 |
| Investments | 454.73 | 329.81 | 387.85 | 372.75 | 473.31 | 426.96 |
| Net Loans | 1,936.53 | 1,870.86 | 1,700.96 | 1,646.26 | 1,613.93 | 1,542.86 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 36.40 | 36.03 | 36.09 | 35.58 | 35.32 | 35.73 |
| Interest Receivables | 10.45 | 9.43 | 9.51 | 8.89 | 9.24 | 8.70 |
| Deferred Tax Assets | - | - | - | 10.83 | - | - |
| Other Intangible Assets | 90.53 | 80.55 | 59.66 | 58.43 | 53.44 | 52.58 |
| Total Assets | 2,598.75 | 2,363.64 | 2,221.00 | 2,162.57 | 2,243.31 | 2,096.43 |
| Total Deposits | 2,135.50 | 1,981.09 | 1,859.61 | 1,748.31 | 1,899.10 | 1,752.63 |
| Total Debt | 75.00 | 0.00 | 0.00 | 54.42 | 0.00 | 0.00 |
| Long Term Debt | 75.00 | 0.00 | 0.00 | 3.82 | 0.00 | 0.00 |
| Provision for Risks Charges | 0.00 | 0.00 | 0.00 | 1.06 | 0.00 | 0.00 |
| Deferred Tax Liabilities | - | - | - | 11.88 | - | - |
| Other Liabilities | 64.95 | 54.21 | 32.81 | 23.03 | 30.01 | 29.55 |
| Total Liabilities | 2,275.45 | 2,035.30 | 1,892.42 | 1,838.70 | 1,929.11 | 1,782.18 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 323.30 | 328.34 | 328.58 | 323.86 | 314.20 | 314.25 |
| Total Shareholders Equity | 323.30 | 328.34 | 328.58 | 323.86 | 314.20 | 314.25 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 323.30 | 328.34 | 328.58 | 323.86 | 314.20 | 314.25 |
| Total Liabilities & Stockholders Equity | 2,598.75 | 2,363.64 | 2,221.00 | 2,162.57 | 2,243.31 | 2,096.43 |
| Book Value Per Share | 13.35 | 13.56 | 13.45 | 13.27 | 12.87 | 12.64 |
| Tangible Book Value Per Share | 11.72 | 11.96 | 12.95 | 12.76 | 12.33 | 12.10 |
| Tier 1 Capital | - | 223.62 | 245.78 | 240.65 | 235.93 | 243.26 |
| Tier 2 Capital | - | - | - | 18.57 | 18.60 | 17.71 |
| Full-Time Employees | - | 298 | - | 269 | - | - |
| Price to Book Ratio | 1.37 | 1.27 | 1.05 | 1.05 | 1.01 | 0.95 |
| Return on Assets | 0.52 | 0.76 | 0.92 | 1.00 | 0.97 | 1.06 |
| Return on Equity | 3.95 | 5.24 | 6.20 | 6.54 | 6.79 | 6.98 |
| Return on Invested Capital | 0.02 | 1.06 | 1.61 | 1.14 | 1.38 | 2.05 |
| Current Ratio | 0.50 | 0.28 | 0.37 | 0.09 | 0.42 | 0.28 |
Cash flow, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q5 | 2025Q4 |
|---|---|---|---|---|---|---|
| Funds from Operations | 12.21 | 12.40 | 4.94 | 8.43 | 3.71 | 6.58 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | 2.36 | 16.20 | 2.99 | -2.75 | 0.19 | -1.52 |
| Cash from Operating Activities | 14.58 | 28.60 | 7.93 | 5.67 | 3.90 | 5.06 |
| Capital Expenditures | -1.01 | -0.42 | -0.64 | -0.22 | -0.23 | -0.51 |
| Net Assets From Acquisitions | -0.31 | -141.34 | 0.00 | -0.48 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchase or Sale of Investments | -22.38 | -15.34 | 8.10 | 39.11 | 35.16 | 13.26 |
| Purchase of Investments | -34.21 | -43.75 | -10.00 | -12.60 | -12.46 | -56.87 |
| Sale Or Maturity of Investments | 11.83 | 28.41 | 18.10 | 51.71 | 47.62 | 70.13 |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1.14 |
| Cash from Investing Activities | -102.74 | -208.82 | -46.01 | 0.58 | -37.11 | -43.61 |
| Cash Dividends Paid | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Preferred Dividends (Cash Flow) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | 0.05 | -3.47 | 0.05 | -0.34 | -6.00 | -3.31 |
| Repurchase of Common Pref Stock | 0.00 | -3.47 | 0.00 | -0.42 | -6.00 | -3.31 |
| Sale of Common Pref Stock | 0.05 | 0.00 | 0.05 | 0.08 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | 75.00 | 0.00 | -50.00 | 50.00 | 0.00 | 0.00 |
| Change in Long Term Debt | 75.00 | 0.00 | -50.00 | 40.00 | 0.00 | 0.00 |
| Issuance of Long Term Debt | 25.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Reduction of Long Term Debt | 50.00 | 0.00 | -50.00 | 40.00 | 0.00 | 0.00 |
| Net Financing Active Other Cash Flow | 0.00 | -0.16 | 0.00 | 0.00 | -0.75 | -0.14 |
| Other Financing Activities Uses | 0.00 | -0.16 | 0.00 | 0.00 | -0.75 | -0.14 |
| Cash from Financing Activities | 229.46 | 117.85 | 61.35 | -101.14 | 139.69 | 20.99 |
| Net Change in Cash | 141.30 | -62.37 | 23.26 | -94.88 | 106.48 | -17.56 |
| Free Cash Flow | 13.56 | 28.18 | 7.29 | 5.46 | 3.68 | 4.55 |
| Price to Free Cash Flow | 7.93 | 9.31 | 16.15 | 37.21 | 26.17 | 25.05 |
Revenue breakdown
| Credit and Debit Card | 2025: 2.80M |
|---|---|
| Deposit Account | 2025: 2.46M |
| Insurance services | 2025: 2.56M |
| Service, Other | 2025: 459.00K |
| Wealth management services | 2025: 7.54M |
| United States | 2025: 15.81M |
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 1.06% | 0.1M | 10.1M | 13.00K |
| 2026-10-15 | 1.26% | 0.1M | 10.1M | 12.83K |
| 2026-09-30 | 1.26% | 0.1M | 10.1M | 12.60K |
| 2026-09-15 | 1.45% | 0.1M | 10.1M | 14.69K |
| 2026-08-31 | 1.31% | 0.1M | 10.2M | 15.45K |
| 2026-08-14 | 1.26% | 0.1M | 10.2M | 19.21K |
| 2026-07-31 | 1.14% | 0.1M | 10.3M | 19.90K |
| 2026-07-15 | 1.10% | 0.1M | 10.3M | 19.69K |
| 2026-06-30 | 0.98% | 0.1M | 10.3M | 19.03K |
| 2026-06-15 | 1.07% | 0.1M | 10.3M | 17.47K |
| 2026-05-29 | 0.85% | 0.1M | 10.3M | 16.42K |
| 2026-05-15 | 0.82% | 0.1M | 10.3M | 13.11K |
| 2026-04-30 | 0.84% | 0.1M | 10.3M | 12.78K |
| 2026-04-15 | 0.82% | 0.1M | 10.3M | 13.04K |
| 2026-03-31 | 1.02% | 0.1M | 10.3M | 12.99K |
| 2026-03-13 | 0.93% | 0.1M | 10.3M | 12.87K |
| 2026-02-27 | 0.78% | 0.1M | 10.3M | 12.51K |
| 2026-02-13 | 0.75% | 0.1M | 10.3M | 13.10K |
| 2026-01-30 | 0.81% | 0.1M | 10.3M | 13.21K |
| 2026-01-15 | 0.92% | 0.1M | 10.3M | 14.13K |
Option chain
expiry 2026-11-11| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| No option chain for this symbol. | ||||||||||
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-11-06 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-09-30 | SEC |
| 2026-10-30 | 8-K | Current report | 2026-10-30 | SEC |
| 2026-08-19 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-18 | SEC |
| 2026-08-10 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-06-30 | SEC |
| 2026-08-10 | 8-K/A | 2026-04-24 | SEC | |
| 2026-07-30 | 8-K | Current report | 2026-07-30 | SEC |
| 2026-07-29 | 8-K | Current report | 2026-07-29 | SEC |
| 2026-07-27 | 3 | Initial statement of beneficial ownership of securities | 2026-07-21 | SEC |
| 2026-07-23 | 8-K | Current report | 2026-07-21 | SEC |
| 2026-06-29 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-21 | SEC |
| 2026-06-29 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-21 | SEC |
| 2026-06-29 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-21 | SEC |
| 2026-06-29 | 11-K | Annual reports of employee stock purchase, savings and similar plans pursuant to Section 15(d) | 2025-12-31 | SEC |
| 2026-06-02 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-01 | SEC |
| 2026-05-20 | 8-K | Current report | 2026-05-19 | SEC |
| 2026-05-11 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-03-31 | SEC |
| 2026-04-30 | 8-K | Current report | 2026-04-30 | SEC |
| 2026-04-28 | 8-K | Current report | 2026-04-24 | SEC |
| 2026-04-22 | 8-K | Current report | 2026-04-20 | SEC |
| 2026-04-07 | ARS | Annual report to security holders. | 2025-12-31 | SEC |
| 2026-04-07 | DEF 14A | Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 | 2026-05-19 | SEC |
| 2026-03-12 | 10-K | Annual report pursuant to Section 13 or 15(d) | 2025-12-31 | SEC |
| 2026-01-30 | 8-K | Current report | 2026-01-30 | SEC |
| 2025-12-22 | 8-K | Current report | 2025-12-16 | SEC |
| 2025-12-17 | 8-K | Current report | 2025-12-17 | SEC |
| 2025-12-15 | 4 | Statement of changes in beneficial ownership of securities | 2025-12-12 | SEC |
| 2025-12-15 | 4 | Statement of changes in beneficial ownership of securities | 2025-12-11 | SEC |
| 2025-12-12 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2025-12-11 | 8-K | Current report | 2025-12-11 | SEC |
| 2025-11-14 | SCHEDULE 13G/A | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 0 | 0 | 0 | 0 |
| 2026-10 | 0 | 0 | 0 | 0 |
| 2026-09 | 0 | 0 | 0 | 0 |
| 2026-08 | 0 | 0 | 0 | 0 |
| 2026-07 | 0 | 0 | 0 | 0 |
| 2026-06 | 0 | 0 | 0 | 0 |
| 2026-05 | 0 | 0 | 0 | 0 |
| 2026-04 | 0 | 0 | 0 | 0 |
| 2026-03 | 0 | 0 | 0 | 0 |
| 2026-02 | 0 | 0 | 0 | 0 |
| 2026-01 | 0 | 0 | 0 | 0 |
| 2025-12 | 0 | 0 | 79.24K | 1 |
| 2025-11 | 0 | 0 | 0 | 0 |
Institutional holders
| Manager | % owned |
|---|---|
| M3F, Inc. | 7.49% |
| BlackRock, Inc. | 2.52% |
| ALLIANCEBERNSTEIN L.P. | 2.09% |
| VANGUARD CAPITAL MANAGEMENT LLC | 1.93% |
| Private Capital Management, LLC | 1.46% |
| GEODE CAPITAL MANAGEMENT, LLC | 0.99% |
| DIMENSIONAL FUND ADVISORS LP | 0.92% |
| STATE STREET CORP | 0.72% |
| First Pacific Advisors, LP | 0.67% |
| NORTHERN TRUST CORP | 0.33% |
Funds
| Fund | % owned |
|---|---|
| VANGUARD TOTAL STOCK MARKET INDEX FUND | 1.40% |
| iShares Russell 2000 ETF | 1.12% |
| VANGUARD EXTENDED MARKET INDEX FUND | 0.48% |
| Fidelity Small Cap Index Fund | 0.44% |
| iShares Russell 2000 Value ETF | 0.44% |
| EA Bridgeway Omni Small-Cap Value ETF | 0.29% |
| VANGUARD RUSSELL 2000 INDEX FUND | 0.24% |
| Private Capital Management Value Fund | 0.23% |
| Fidelity Extended Market Index Fund | 0.20% |
| iShares Micro-Cap ETF | 0.14% |
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