Pioneer Bancorp Inc's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Pioneer Bancorp Inc (PBFS) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Pioneer Bancorp Inc vs Its Competitors
- TTM: Trailing 12-month revenue of 99M vs -M combined for its competitors (100.0% combined share).
- Trending: Latest-quarter revenue run-rate is accelerating (+9.5% annualized vs trailing 12 months).
- Scale: Pioneer Bancorp Inc ranks #119 of 218 companies by market capitalization in the Regional Banks industry, holding 0.1% of industry market cap.
- Peer revenue share: Pioneer Bancorp Inc accounted for 100.0% of combined revenue among its tracked peer group, up from 100.0% a year earlier.
- Peer differentiation: Revenue per employee of $0.37M compares with $0.00M for the peer group (252.7x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
PBFS Sales vs. its Competitors, Q2 2026
Pioneer Bancorp Inc generated 100.00 % of the combined sales of its peer group, up from 100.00 % a year earlier.
API endpoints for this dataset
For context: the Regional Banks industry grew revenue 6.8% year over year, combined, vs 18.0% for Pioneer Bancorp Inc. Pioneer Bancorp Inc's share of combined industry revenue moved from 0.01% to 0.02%, a gain of 0.00 percentage points.
Pioneer Bancorp Inc's Competitor Quality Breadth
Group definitions: see Methodology: Performance Group Definitions.
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Pioneer Bancorp Inc | Yes | Yes | Yes | Yes |
| Competitors combined (1) | - | |||
| High-Confidence Competitors (3) | ||||
| Similar-Size Competitors (10) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
PBFS Stock Performance relative to its Competitors
PBFS Stock Performance relative to High-Confidence Competitors
PBFS Stock Performance relative to Similar-Size Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Bank Bradesco | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Pioneer Bancorp Inc's best-performing competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Pioneer Bancorp Inc's Comment on Competition and Industry Peers
Publicly Traded Peers of Pioneer Bancorp Inc
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
 Pioneer Bancorp Inc |
446.47 | 98.52 |
 Bank Bradesco |
13,455.15 | 118.96 |
| SUBTOTAL | 13,901.63 | 217.47 |
Sources: see Methodology: Peer & Competitor Identification, Sourcing.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Pioneer Bancorp Inc versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Pioneer Bancorp Inc's Competitors Named by the Company
Competitive relationships identified from Pioneer Bancorp Inc reports and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| M&T Bank | Company report | 85% |
| JP Morgan Chase | Company report | 85% |
| Bank of America | Company report | 85% |
| TD Bank | Company report | 85% |
| Key Bank | Company report | 85% |
| Citizens Bank | Company report | 85% |
| Bank Bradesco | Company report | 85% |
| Cnb Corp | Company report | 85% |
| Home Bancshares Inc | Company report | 85% |
| Connectone Bancorp Inc | Company report | 85% |
| Lakeland Bancorp Inc | Company report | 85% |
| Rbb Bancorp | Company report | 85% |
| Amalgamated Financial Corp | Company report | 85% |
| Tristate Capital Holdings Inc | Company report | 85% |
| Ballston Spa Bancorp, Inc. | Company report | 85% |
| Gouverneur Bancorp, Inc./MD/ | Company report | 85% |
| Chemung Financial Corp | Company report | 85% |
| Flagstar Bank National Association | Company report | 85% |
| Pcb Bancorp | Company report | 85% |
| Tompkins Financial Corp | Company report | 85% |
| Bm Technologies Inc | Company report | 85% |
| Fb Financial Corporation | Company report | 85% |
| Metropolitan Bank Holding Corp | Company report | 85% |
| Customers Bancorp Inc | Company report | 85% |
| Northeast Community Bancorp inc | Company report | 85% |
| Rhinebeck Bancorp inc | Company report | 85% |
| Beacon Financial Corporation | Company report | 85% |
| Vsb Bancorp Inc | Company report | 85% |
| Bancorpsouth Inc | Company report | 85% |
| Hanover Bancorp Inc | Company report | 85% |
| Century Bancorp Inc | Company report | 85% |
| Greene County Bancorp Inc | Company report | 85% |
| Pcsb Financial Corporation | Company report | 85% |
| Trustco Bank Corp Ny | Company report | 85% |
| C1 Financial, Inc. | Company report | 85% |
| Franklin Financial Network Inc | Company report | 85% |
| Orange County Bancorp inc | Company report | 85% |
| Flushing Financial Corporation | Company report | 85% |
| Pathfinder Bancorp Inc | Company report | 85% |
| Sb One Bancorp | Company report | 85% |
| Beacon Federal Bancorp, Inc. | Company report | 85% |
Company report basis, confidence, active dates and source counts for Pioneer Bancorp Inc's named competitors require a Commercial License.
Methodology: see Methodology: Peer & Competitor Identification, Sourcing.
Pioneer Bancorp Inc's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Pioneer Bancorp Inc | 446 | 366,227 | 62,628 |
| Bank Bradesco | 13,455 | 1,449 | 52,215 |
| PEERS TOTAL | 13,455 | 1,449 | 52,215 |
Pioneer Bancorp Inc's Position in Industry Market Structure
Market-capitalization share and concentration across all 198 companies in Pioneer Bancorp Inc's industry classification, broader than the peer set above. Market cap in millions of $.Pioneer Bancorp Inc ranks #119 of 198 companies by market capitalization in its industry, holding 0.06 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 516, indicating a unconcentrated market structure (see Methodology: Market Structure & Concentration).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | Bank Of Nova Scotia | 113,512 | 15.05 % |
| 2 | Deutsche Bank Aktiengesellschaft | 69,917 | 9.27 % |
| 3 | Fifth Third Bancorp | 48,582 | 6.44 % |
| 4 | State Street Corp | 46,533 | 6.17 % |
| 5 | Ita Unibanco Holding S a | 1,234 | 5.2% |
| 6 | M and t Bank Corporation | 1,234 | 5.2% |
| 7 | Northern Trust Corporation | 1,234 | 5.2% |
| 8 | Citizens Financial Group Inc | 1,234 | 5.2% |
| 9 | First Citizens Bancshares Inc | 1,234 | 5.2% |
| 10 | East West Bancorp inc | 1,234 | 5.2% |
| 119 | Pioneer Bancorp Inc | 446 | 0.06 % |
Market cap and industry share for the rest of Pioneer Bancorp Inc's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-11-06.
Pioneer Bancorp Inc's Same-Size Peers & Stock Performance
Peers chosen by closeness in market-cap rank within the same industry classification (not the named-competitor list above). Trailing 12-month total return, 3-month price momentum, beta and Sharpe ratio vs the broad U.S. market.| Rank | Company | Market Cap | TTM Return |
|---|---|---|---|
| 114 | Orange County Bancorp inc | 529 | 56.13 % |
| 115 | West Bancorporation Inc | 525 | 40.81 % |
| 116 | Citizens and Northern Corporation | 496 | 47.69 % |
| 117 | Home Bancorp Inc | 479 | 14.17 % |
| 118 | Bank Of Marin Bancorp | 1,234 | 12.3% |
| 119 | Pioneer Bancorp Inc | 446 | 36.94 % |
| 120 | Rbb Bancorp | 1,234 | 12.3% |
| 121 | Investar Holding Corporation | 1,234 | 12.3% |
| 122 | Colony Bankcorp inc | 1,234 | 12.3% |
| 123 | Pcb Bancorp | 1,234 | 12.3% |
| 124 | Chemung Financial Corp | 1,234 | 12.3% |
Market cap, return, momentum, beta and Sharpe ratio for the rest of Pioneer Bancorp Inc's same-size peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation); returns and risk metrics as of 2026-11-06. Beta and Sharpe ratio are versus the broad U.S. equity market, not this industry.
Pioneer Bancorp Inc's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Regional Banks industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (2 companies). See the full Regional Banks industry profitability benchmarks.| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | - | 56.54 % (avg) | - |
| Operating Margin | - | industry median | - |
| EBITDA Margin | 49.28 % | 50.49 % (avg) | -1.2 pp |
| Capital Intensity (Capex / Revenue) | - | 1.38 % (avg) | - |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Pioneer Bancorp Inc's Valuation vs Competitive Position
Valuation multiples vs the Regional Banks industry average (2 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full Regional Banks industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 22.1x | - | - |
| EV / EBITDA | 7.1x | - | - |
| P/B | 1.1x | - | - |
| Return on Equity | 5.20 % | industry aggregate | -5.68 % |
| Return on Invested Capital | - | 4.16 % (avg) | - |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Pioneer Bancorp Inc's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in company reports.| Metric | 2019 | 2020 | 2021 | 2022 | 2023 | 2025 |
|---|---|---|---|---|---|---|
| Revenue Growth | - | - | -19.47 % | 27.80 % | 13.23 % | 9.82 % |
| Operating Margin | - | 19.00 % | 15.41 % | - | - | - |
| Return on Invested Capital | - | 2.71 % | 1.68 % | 1.87 % | 1.01 % | 3.96 % |
| P/E | - | 15.1x | 57.4x | 19.3x | 12.6x | 16.4x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Pioneer Bancorp Inc's BCG Growth-Share Matrix
See Methodology: BCG Growth-Share Matrix for how relative share and growth are calculated and thresholded.
Pioneer Bancorp Inc falls in the Question Mark quadrant: relative market share of 0.00x vs its largest competitor, in an industry growing revenue 11.8% (median, trailing 12 months).
Source: CSIMarket API (market-cap share and industry revenue growth). The 10% growth and 1.0x share lines are standard textbook thresholds, not derived from this industry's own distribution.
Pioneer Bancorp Inc's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | High | Industry HHI of 516 (see Industry Market Structure & Concentration above) |
Note: see Methodology: Porter's Five Forces. Supplier power and buyer power are covered on Pioneer Bancorp Inc's dedicated Suppliers and Customers pages, not here.
Pioneer Bancorp Inc's Industry Attractiveness & Competitive Strength
See Methodology: GE/McKinsey Matrix for how the two axes are built.
Pioneer Bancorp Inc falls in the Medium attractiveness / Low strength cell: Harvest.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Pioneer Bancorp Inc's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Latest-quarter revenue run-rate is accelerating (+9.5% annualized vs trailing 12 months).
- Outperforming the U.S.A. 500 over the trailing 12 months.
Weaknesses
- Return on equity 5.7 points below the industry aggregate.
- Low relative market share vs the industry leader (0.00x).
- Piotroski F-Score of 2 or below, the standard financial-distress signal.
Opportunities
- Industry revenue growing at a healthy 11.8% median pace.
- A meaningful share of competitors (100.00 %) show financial-distress signals, a possible opening to gain share.
Threats
No rule matched.
Methodology: see Methodology: SWOT Analysis.
Pioneer Bancorp Inc's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Pioneer Bancorp Inc | 0.01 | 0.14 | - |
| Bank Bradesco | 90.31 | 6.18 | - |
Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Pioneer Bancorp Inc's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Pioneer Bancorp Inc | Q2 2026 | +17.9 % | -46.0 % |
| Bank Bradesco | Q4 2025 | -71.8 % | +31.1 % |
| PEERS TOTAL | -67.1 % | +30.9 % |
Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Pioneer Bancorp Inc's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Pioneer Bancorp Inc | Q2 2026 | - | - |
| Bank Bradesco | Q4 2025 | -9.8 % | +110.2 % |
Pioneer Bancorp Inc's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Pioneer Bancorp Inc | 0.75% | 1.96% | 5.20% |
| Bank Bradesco | 1.01% | 0.97% | 13.12% |
ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Pioneer Bancorp Inc's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Pioneer Bancorp Inc | 26.59 | 4.53 |
| Bank Bradesco | 0.57 | 113.11 |
| PEERS AVERAGE | 3.23 | 63.92 |
P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.