PBFS (Pioneer Bancorp) Net Loan: $1,700.96 Mil (As of Mar. 2026)


PBFS Pioneer Bancorp Inc PBFS
72 GF Score
Price $17.37
GF Value $14.49
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Pioneer Bancorp Net Loan?

Pioneer Bancorp PBFS +1.71% 72 Net Loan is $1,700.96 Mil as of Mar. 2026. GuruFocus rates PBFS with a GF Score™ of 72/100 and a GF Value™ of $14.49 (Modestly Overvalued). The stock has 4 warning signs investors should review.

Pioneer Bancorp's quarterly net loan increased from Sep. 2025 ($1,613.93 Mil) to Dec. 2025 ($1,646.26 Mil) and increased from Dec. 2025 ($1,646.26 Mil) to Mar. 2026 ($1,700.96 Mil).

Pioneer Bancorp's annual net loan increased from Jun. 2023 ($1,144.17 Mil) to Jun. 2024 ($1,646.26 Mil) and increased from Jun. 2024 ($1,646.26 Mil) to Dec. 2025 ($1,700.96 Mil).

Pioneer Bancorp Net Loan Historical Data

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The historical data trend for Pioneer Bancorp's Net 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 Net Loan Chart

Pioneer Bancorp Annual Data
Trend Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only 1,081.80 982.57 1,144.17 1,344.07 1,646.26

Pioneer Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net 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 1,487.18 1,542.86 1,613.93 1,646.26 1,700.96
PBFS
72GF Score
Pioneer Bancorp Inc PBFS
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Pioneer Bancorp Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $1,700.96 Mil mean?
Pioneer Bancorp (PBFS) has a Net Loan of $1,700.96 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Pioneer Bancorp and its competitors.
Is Pioneer Bancorp's Net Loan too high?
Pioneer Bancorp's current Net Loan is $1,700.96 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 Net Loan compare to ISTR and FRST?
Pioneer Bancorp's Net Loan of $1,700.96 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 Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net 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 Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Pioneer Bancorp and its competitors. Pioneer Bancorp's current Net Loan is $1,700.96 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 $14.49, compared to a current price of $17.37 — trading 19.8% above its estimated fair value. The current Net Loan is $1,700.96 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 Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Pioneer Bancorp (PBFS), the current Net Loan is $1,700.96 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 $17.37 is trading 19.8% above its estimated GF Value™ of $14.49. GuruFocus considers Pioneer Bancorp to be Modestly Overvalued.

Key valuation signals for PBFS:

  • Net Loan: $1,700.96 Mil
  • GF Value™: $14.49 vs. price of $17.37 (19.8% 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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Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.37
Price
$14.49
GF Value