PBFS (Pioneer Bancorp) Gross Loan: $1,726.97 Mil (As of Mar. 2026)

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PBFS Pioneer Bancorp Inc PBFS
72 GF Score
Price $17.49
GF Value $14.61
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Pioneer Bancorp Gross Loan?

Pioneer Bancorp PBFS +3.31% 72 Gross Loan is $1,726.97 Mil as of Mar. 2026. GuruFocus rates PBFS with a GF Score™ of 72/100 and a GF Value™ of $14.61 (Modestly Overvalued). The stock has 4 warning signs investors should review.

Pioneer Bancorp's Gross Loan for the quarter that ended in Mar. 2026 was $1,726.97 Mil.

Pioneer Bancorp's quarterly Gross Loan increased from Sep. 2025 ($1,638.53 Mil) to Dec. 2025 ($1,671.56 Mil) and increased from Dec. 2025 ($1,671.56 Mil) to Mar. 2026 ($1,726.97 Mil).

Pioneer Bancorp's annual Gross Loan increased from Jun. 2023 ($1,166.64 Mil) to Jun. 2024 ($1,365.87 Mil) and increased from Jun. 2024 ($1,365.87 Mil) to Dec. 2025 ($1,671.56 Mil).

Pioneer Bancorp Gross Loan Related Terms

Pioneer Bancorp Gross Loan Historical Data

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The historical data trend for Pioneer Bancorp's Gross Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Pioneer Bancorp Gross Loan Chart

Pioneer Bancorp Annual Data
Trend Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Dec25
Gross Loan
Get a 7-Day Free Trial Premium Member Only 1,103.49 1,001.65 1,166.64 1,365.87 1,671.56

Pioneer Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Gross Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1,509.99 1,566.66 1,638.53 1,671.56 1,726.97
PBFS
72GF Score
Pioneer Bancorp Inc PBFS
Gross Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Pioneer Bancorp Gross Loan Calculation

Gross Loan represents the sum of all loans (commercial, consumer, mortgage, etc.) as well as leases before any provisions for loan losses or unearned discounts.

Frequently Asked Questions Learn more about Gross Loan →
What does a Gross Loan of $1,726.97 Mil mean?
Pioneer Bancorp (PBFS) has a Gross Loan of $1,726.97 Mil as of Mar. 2026. Gross Loan is the sum of all loans as well as leases before any provisions for loan losses or unearned discounts. View historical data on Pioneer Bancorp and its competitors.
Is Pioneer Bancorp's Gross Loan too high?
Pioneer Bancorp's current Gross Loan is $1,726.97 Mil. Overall, Pioneer Bancorp has a GF Score™ of 72/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pioneer Bancorp's Gross Loan compare to ISTR and FRST?
Pioneer Bancorp's Gross Loan of $1,726.97 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Gross Loan for a Banks company?
A good Gross Loan depends on the Banks industry context. However, Gross Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Gross Loan mean?
A high Gross Loan can signal that a stock is expensive relative to its fundamentals. Gross Loan is the sum of all loans as well as leases before any provisions for loan losses or unearned discounts. View historical data on Pioneer Bancorp and its competitors. Pioneer Bancorp's current Gross Loan is $1,726.97 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pioneer Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Pioneer Bancorp (PBFS) is currently considered Modestly Overvalued. The stock's GF Value™ is $14.61, compared to a current price of $17.49 — trading 19.7% above its estimated fair value. The current Gross Loan is $1,726.97 Mil. Pioneer Bancorp's overall GF Score™ is 72/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Gross Loan calculated?
Gross Loan is calculated from a company's financial statements. For Pioneer Bancorp (PBFS), the current Gross Loan is $1,726.97 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Pioneer Bancorp (PBFS) Overvalued in 2026?

Based on GuruFocus' analysis, Pioneer Bancorp stock appears to be overvalued. The current stock price of $17.49 is trading 19.7% above its estimated GF Value™ of $14.61. GuruFocus considers Pioneer Bancorp to be Modestly Overvalued.

Key valuation signals for PBFS:

  • Gross Loan: $1,726.97 Mil
  • GF Value™: $14.61 vs. price of $17.49 (19.7% above fair value)
  • GF Score™: 72/100 with 4 warning signs

No single metric tells the full story. See the PBFS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Pioneer Bancorp Business Description

Address 652 Albany Shaker Road, Albany, NY, USA, 12211
Pioneer Bancorp Inc is involved in providing banking services. These services include Personal services such as Checking, Savings, eBanking Cards, and Business services such as Business Deposit and operating Accounts, Business eBanking, and Business loans. Some of the other services of the company include Government Banking, Wealth Management, Benefits Consulting and Insurance.
72GF Score

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Gross Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.49
Price
$14.61
GF Value