PBFS (Pioneer Bancorp) Net Interest Income: $84.1 Mil (TTM As of Mar. 2026)

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PBFS Pioneer Bancorp Inc PBFS
70 GF Score
Price $17.23
GF Value $14.75
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Pioneer Bancorp Net Interest Income?

Pioneer Bancorp PBFS -0.89% 70 Net Interest Income is $84.1 Mil as of Mar. 2026. GuruFocus rates PBFS with a GF Score™ of 70/100 and a GF Value™ of $14.75 (Modestly Overvalued). The stock has 4 warning signs investors should review.

Net interest income is the total interest income minus total interest expense. It represents the difference between interest and dividends earned on interestbearing assets and interest paid to depositors and other creditors. Pioneer Bancorp's net interest income for the three months ended in Mar. 2026 was $20.7 Mil. Its net interest income for the trailing twelve months (TTM) ended in Mar. 2026 was $84.1 Mil.

Pioneer Bancorp Net Interest Income Related Terms

Pioneer Bancorp Net Interest Income Historical Data

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The historical data trend for Pioneer Bancorp's Net Interest Income 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 Interest Income Chart

Pioneer Bancorp Annual Data
Trend Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Dec25
Net Interest Income
Get a 7-Day Free Trial Premium Member Only 41.82 42.38 65.54 66.51 79.15

Pioneer Bancorp Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Net Interest Income 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 19.61 20.20 20.25 20.75 22.85
PBFS
70GF Score
Pioneer Bancorp Inc PBFS
Net Interest Income is just one metric. See GF Score™, valuation, warning signs, and more.
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Pioneer Bancorp Net Interest Income Calculation

Net interest income is the total interest income minus total interest expense. It represents the difference between interest and dividends earned on interestbearing assets and interest paid to depositors and other creditors.

Net Interest Income for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $84.1 Mil.

* 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.

Frequently Asked Questions Learn more about Net Interest Income →
What does a Net Interest Income of $84.1 Mil mean?
Pioneer Bancorp (PBFS) has a Net Interest Income of $84.1 Mil as of Mar. 2026.
Is Pioneer Bancorp's Net Interest Income too high?
Pioneer Bancorp's current Net Interest Income is $84.1 Mil. Overall, Pioneer Bancorp has a GF Score™ of 70/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pioneer Bancorp's Net Interest Income compare to RBB and GBFH?
Pioneer Bancorp's Net Interest Income of $84.1 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 Interest Income for a Banks company?
A good Net Interest Income depends on the Banks industry context. However, Net Interest Income 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 Interest Income mean?
A high Net Interest Income can signal that a stock is expensive relative to its fundamentals. Pioneer Bancorp's current Net Interest Income is $84.1 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 $14.75, compared to a current price of $17.23 — trading 16.8% above its estimated fair value. The current Net Interest Income is $84.1 Mil. Pioneer Bancorp's overall GF Score™ is 70/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Interest Income calculated?
Net Interest Income is calculated from a company's financial statements. For Pioneer Bancorp (PBFS), the current Net Interest Income is $84.1 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 $17.23 is trading 16.8% above its estimated GF Value™ of $14.75. GuruFocus considers Pioneer Bancorp to be Modestly Overvalued.

Key valuation signals for PBFS:

  • Net Interest Income: $84.1 Mil
  • GF Value™: $14.75 vs. price of $17.23 (16.8% above fair value)
  • GF Score™: 70/100 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.
70GF Score

Get the complete analysis for PBFS

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

$17.23
Price
$14.75
GF Value