Pioneer Bancorp, Inc.
PBFS
Rank in Stocks
#12539
Pioneer Bancorp, Inc., founded in 1889 and based in Albany, New York, serves as... Pioneer Bancorp, Inc., founded in 1889 and based in Albany, New York, serves as the holding company for Pioneer Savings Bank. It offers a wide spectrum of financial products and services throughout New York. The company's banking services include various deposit options such as checking, savings, and money market accounts, as well as certificates of deposit. Its lending portfolio spans commercial real estate, commercial and industrial financing, commercial construction, residential mortgages for one-to-four family homes, home equity loans, home equity lines of credit, and consumer loans. Beyond traditional banking, Pioneer Bancorp allocates capital to U.S. governmental securities, fixed-rate collateralized mortgage obligations, mortgage-backed securities, investment-grade bonds with fixed rates, and equity securities. The organization also extends its offerings to include insurance products, providing coverage for homeowners, automobiles, and comprehensive business needs. Additionally, it delivers employee benefit solutions, encompassing group health, dental, disability, and life insurance, alongside administrative services for defined contribution and benefit plans, and human resource management. Wealth management services are also available, comprising investment guidance, retirement income and estate planning, business succession strategies, and employer retirement program development. With a network of 22 retail banking branches, the company serves clients across Albany, Greene, Rensselaer, Saratoga, Schenectady, and Warren Counties in New York. Pioneer Bancorp, Inc. operates as a subsidiary of Pioneer Bancorp, MHC.
Share Price
$18.54
Last synced: 2026-11-09
Market Cap
$460.57M
Change (1 day)
1.04%
Change (1 year)
37.64%
Country
Stock data: Financial Modeling PrepΒ·Updated Β·Not investment adviceΒ·How we calculate this
Trade Pioneer Bancorp, Inc. (PBFS)
Category
Financial Services
Operating Margin for Pioneer Bancorp, Inc. (PBFS)
Operating Margin as of November 2026 TTM: 15.89%
According to Pioneer Bancorp, Inc.'s latest financial reports, its current operating margin (TTM) is 15.89%. At the end of 2025 the company had an operating margin of 20.91%.
Operating Margin history for Pioneer Bancorp, Inc. from 2017 to 2026
Operating Margin at the end of each year
| Year | Operating Margin | Change |
|---|---|---|
| 2026 (TTM) | 15.89% | -24.01% |
| 2025 | 20.91% | 6.30% |
| 2024 | 19.67% | -39.85% |
| 2023 | 32.70% | 41.99% |
| 2022 | 23.03% | 416.37% |
| 2021 | 4.46% | -48.50% |
| 2020 | 8.66% | -26.17% |
| 2019 | 11.73% | -60.95% |
| 2018 | 30.04% | 74.65% |
| 2017 | 17.20% | 0.00% |
Operating Margin for similar companies or competitors
| Company | Operating Margin | Operating Margin Difference | Country |
|---|---|---|---|
| 54.30% | -96.58% |
CN
|
|
| 57.52% | -96.38% |
IT
|
|
| 21.82% | -98.63% |
IN
|
|
| 26.74% | -98.32% |
IN
|
|
| 20.55% | -98.71% |
JP
|
What is a company's Operating Margin?
The operating margin is a key indicator to assess the profitability of a company. Higher operating margins are generaly better as they show that a company is able to sell its products or services for much more than their production costs. The operating margin is calculated by dividing a company's earnings by its revenue.
Questions about Pioneer Bancorp, Inc.'s operating margin
What is Pioneer Bancorp, Inc.'s operating margin?
Pioneer Bancorp, Inc.'s operating margin is 15.89%, as of Nov 2026.
What was Pioneer Bancorp, Inc.'s operating margin in 2025?
In 2025, Pioneer Bancorp, Inc.'s operating margin was 20.91%, compared with 19.67% in 2024.
How has Pioneer Bancorp, Inc.'s operating margin changed since 2020?
From 2020 to 2025, Pioneer Bancorp, Inc.'s operating margin was highest in 2023 (32.70%) and lowest in 2021 (4.46%).
How does Pioneer Bancorp, Inc.'s operating margin compare with similar companies?
Pioneer Bancorp, Inc.'s operating margin (15.89%) is lower than that of all 5 similar companies listed above. The highest among them is UniCredit S.p.A., with 57.52%.