PBFS (Pioneer Bancorp) Ending Cash Position: $156.94 Mil (As of Mar. 2026)


PBFS Pioneer Bancorp Inc PBFS
72 GF Score
Price $17.42
GF Value $14.51
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Pioneer Bancorp Ending Cash Position?

Pioneer Bancorp PBFS -0.43% 72 Ending Cash Position is $156.94 Mil as of Mar. 2026. GuruFocus rates PBFS with a GF Score™ of 72/100 and a GF Value™ of $14.51 (Modestly Overvalued). The stock has 4 warning signs investors should review.

Pioneer Bancorp's Ending Cash Position for the quarter that ended in Mar. 2026 was $156.94 Mil.

Pioneer Bancorp's quarterly Ending Cash Position declined from Sep. 2025 ($228.55 Mil) to Dec. 2025 ($133.68 Mil) but then increased from Dec. 2025 ($133.68 Mil) to Mar. 2026 ($156.94 Mil).

Pioneer Bancorp's annual Ending Cash Position increased from Jun. 2023 ($150.48 Mil) to Jun. 2024 ($165.19 Mil) but then declined from Jun. 2024 ($165.19 Mil) to Dec. 2025 ($133.68 Mil).

Pioneer Bancorp Ending Cash Position Related Terms

Pioneer Bancorp Ending Cash Position Historical Data

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The historical data trend for Pioneer Bancorp's Ending Cash Position 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 Ending Cash Position Chart

Pioneer Bancorp Annual Data
Trend Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Dec25
Ending Cash Position
Get a 7-Day Free Trial Premium Member Only 324.96 376.06 150.48 165.19 133.68

Pioneer Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Ending Cash Position 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 139.63 122.07 228.55 133.68 156.94
PBFS
72GF Score
Pioneer Bancorp Inc PBFS
Ending Cash Position is just one metric. See GF Score™, valuation, warning signs, and more.
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Pioneer Bancorp Ending Cash Position Calculation

Ending Cash Position is the cash and cash equivalents balance at the end of the accounting period, as indicated on the Cash Flow statement. It is equal to the Beginning Cash Position plus the Net Change in Cash.

Pioneer Bancorp's Ending Cash Position for the fiscal year that ended in Dec. 2025 is calculated as

Ending Cash Position= Beginning Cash Position+Net Change in Cash
=96.521+37.154
=133.68

Pioneer Bancorp's Ending Cash Position for the quarter that ended in Mar. 2026 is calculated as

Ending Cash Position=Beginning Cash Position+Net Change in Cash
=133.675+23.262
=156.94

Frequently Asked Questions Learn more about Ending Cash Position →
What does a Ending Cash Position of $156.94 Mil mean?
Pioneer Bancorp (PBFS) has a Ending Cash Position of $156.94 Mil as of Mar. 2026. Ending Cash Position is the cash and cash equivalents balance at the end of the accounting period, as indicated on the Cash Flow statement. View historical data on Pioneer Bancorp and its competitors.
Is Pioneer Bancorp's Ending Cash Position too high?
Pioneer Bancorp's current Ending Cash Position is $156.94 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 Ending Cash Position compare to ISTR and FRST?
Pioneer Bancorp's Ending Cash Position of $156.94 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 Ending Cash Position for a Banks company?
A good Ending Cash Position depends on the Banks industry context. However, Ending Cash Position 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 Ending Cash Position mean?
A high Ending Cash Position can signal that a stock is expensive relative to its fundamentals. Ending Cash Position is the cash and cash equivalents balance at the end of the accounting period, as indicated on the Cash Flow statement. View historical data on Pioneer Bancorp and its competitors. Pioneer Bancorp's current Ending Cash Position is $156.94 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 $14.51, compared to a current price of $17.42 — trading 20% above its estimated fair value. The current Ending Cash Position is $156.94 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 Ending Cash Position calculated?
Ending Cash Position is calculated from a company's financial statements. For Pioneer Bancorp (PBFS), the current Ending Cash Position is $156.94 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 $17.42 is trading 20% above its estimated GF Value™ of $14.51. GuruFocus considers Pioneer Bancorp to be Modestly Overvalued.

Key valuation signals for PBFS:

  • Ending Cash Position: $156.94 Mil
  • GF Value™: $14.51 vs. price of $17.42 (20% 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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Ending Cash Position is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.42
Price
$14.51
GF Value