파이낸서뱅크(PBFS) 주가 전망 및 기업 분석 - PER·배당·실적·목표주가·RSI·MACD

PBFS

Pioneer Bancorp Inc

7월 27일 4:00 PM ET (한국 7/28 05:00)

$17.94

+0.20 ▲ +1.13%

🌙 7월 27일 4:01 PM ET (한국 7/28 05:01)

$17.94

+0.00 +0.00%

파이낸서뱅크(PBFS) is a Financial sector company, analyzed across 14 metrics on this page including P/E, EPS, dividends, RSI, and MACD.

시가총액

$450M

스몰캡

P/E

22.1

적정 수준

배당수익률

없음

52주 위치

95%

저점 +49% · 고점 -2%

애널리스트

Fundamental health

vs. Banks - Regional 소형주

수익성

Top 68%

성장

Top 34%

밸류에이션

Top 17%

재무 안정

Top 96%

💰 Is this stock pricier than usual right now?

Compared to this company's own recent 5년 (not other companies).

Very cheap

Cheap

Typical

Pricey

Very pricey

Simply put — what you pay today to own $1 of this company's yearly earnings is 23원. Over the past 5년, it usually traded around 17원. On the pricier side versus its own history.

Pricy doesn't mean bad — it means expectations are already baked in.

Index ⓘ	RUT	P/E ⓘ	22.15	EPS (ttm) ⓘ	0.81	Insider Own ⓘ	58.8%	Shs Outstand ⓘ	24.4M	Perf Week ⓘ	4.3%
Market Cap ⓘ	0.45B	Forward P/E ⓘ	-	EPS next Y ⓘ	-	Insider Trans ⓘ	-	Shs Float ⓘ	10.3M	Perf Month ⓘ	4.06%
Enterprise Value ⓘ	-	PEG ⓘ	-	EPS next Q ⓘ	-	Inst Own ⓘ	23.53%	Short Float ⓘ	1.1%	Perf Quarter ⓘ	24.93%
Income ⓘ	0.02B	P/S ⓘ	3.48	EPS this Y ⓘ	-	Inst Trans ⓘ	-0.36%	Short Ratio ⓘ	5.61	Perf Half Y ⓘ	32.4%
Sales ⓘ	0.13B	P/B ⓘ	1.33	EPS next 5Y ⓘ	-	ROA ⓘ	0.92%	Short Interest ⓘ	0.11M	Perf YTD ⓘ	33.09%
Book/sh ⓘ	13.45	P/C ⓘ	-	EPS past 3/5Y ⓘ	26.39% 31.78%	ROE ⓘ	6.2%	52W High ⓘ	-1.64% ($18.24)	Perf Year ⓘ	45.03%
Cash/sh ⓘ	-	P/FCF ⓘ	21.44	Sales past 3/5Y ⓘ	30.01% 12.84%	ROIC ⓘ	6.03%	52W Low ⓘ	49.38% ($12.01)	Perf 3Y ⓘ	86.87%
Dividend Est. ⓘ	-	EV/EBITDA ⓘ	-	EPS Y/Y TTM ⓘ	16.08%	Gross Margin ⓘ	-	Volatility(W/M) ⓘ	3.03% 2.87%	Perf 5Y ⓘ	56%
Dividend TTM ⓘ	-	EV/Sales ⓘ	-	Sales Y/Y TTM ⓘ	23.76%	Oper. Margin ⓘ	20.69%	ATR (14) ⓘ	0.52	Perf 10Y ⓘ	-
Dividend Ex-Date ⓘ	-	Quick Ratio ⓘ	-	EPS Q/Q ⓘ	-5.97%	Profit Margin ⓘ	15.31%	RSI (14) ⓘ	68.45	Recom ⓘ	-
Dividend Gr. 3/5Y ⓘ	-	Current Ratio ⓘ	0.37	Sales Q/Q ⓘ	9.25%	SMA20 ⓘ	4.53% ($17.16)	Beta ⓘ	0.4	Target Price ⓘ	-
Payout ⓘ	-	Debt/Eq ⓘ	0	Earnings ⓘ	-	SMA50 ⓘ	8.89% ($16.48)	Rel Volume ⓘ	0.27	Prev Close ⓘ	$17.74
Employees ⓘ	269	LT Debt/Eq ⓘ	0	EPS/Sales Surpr. ⓘ	-	SMA200 ⓘ	23.76% ($14.5)	Avg Volume(3M) ⓘ	0.02M	Price ⓘ	$17.94
IPO ⓘ	2019/7/18	Option/Short ⓘ	No/Yes			Trades ⓘ	142	Volume ⓘ	5,424	Change ⓘ	1.13%

Quarterly earnings trend SEC filings · USD

24.3

24.6

24.9

25.3

25.6

25.9

25.12*

26.3

Revenue Net income 최근 분기: 매출 $4M (YoY +5%) · 순이익 $5M (YoY -8%)

* Q4 figures are derived from the annual filing (10-K) · loss-making quarters are underlined in red

📊 Pioneer Bancorp Inc (PBFS) Investment Analysis

What kind of company is Pioneer Bancorp Inc?

파이낸서뱅크(PBFS)

Financial · Banks - Regional

Small-Cap — Low Volume, High Volatility

A regional bank holding company operating in the Albany, New York area. Through its subsidiary Pioneer Bank, established in 1889, it provides commercial real estate and business loans along with deposit services, serving as a community-focused bank with a core customer base of small-to-medium businesses, professional clients, and individuals in New York's Capital Region.

Learn more about Pioneer Bancorp Inc →

Market Cap

$0.4B

Approx. KRW 0.6 trillion

⚖️ 0% of Samsung Electronics

Market Cap Rank3291

Employees269people

IPO2019/07/18

Current Price$17.94 ≈ 24,578원

📌 RUT · NASD · USA

Key Events

예정된 이벤트가 없습니다

PBFS의 다음 실적 발표일이나 배당 일정이 아직 수집되지 않았습니다.

실적 발표는 보통 분기마다 있습니다
배당주는 연 1~4회 배당락일이 있습니다

전체 경제/실적 캘린더 보기 →

Is it profitable?

Both profitability & finances need caution

Review management risk carefully before investing

Profitability — How efficiently it makes money

Operating Margin

Profit kept from selling products and services (higher is better)

20.7%

✓ 부진

My positionBottom 25%

Low range Average High range

Banks - Regional 소형주 Median 25.4% · Bottom 25%

💡 일반적으로 10% 이상이면 양호, 20% 이상이면 우수

Net Margin

Share of revenue left after taxes and interest are paid

15.3%

✓ 부진

My positionBottom 25%

Low range Average High range

Banks - Regional 소형주 Median 19.7% · Bottom 24%

💡 일반적으로 8% 이상이면 양호, 15% 이상이면 우수

ROE

Annual return earned on shareholders' equity (15%+ is strong)

6.2%

✓ 평균

My positionMid-range

Low range Average High range

Financial 소형주 Median 9.9% · Bottom 33%

💡 일반적으로 15% 이상이면 우수 (단, 부채 레버리지 효과 주의)

ROA

Annual earnings relative to total company assets

0.9%

✓ 부진

My positionBottom 25%

Low range Average High range

Financial 소형주 Median 1.5% · Bottom 24%

💡 일반적으로 5% 이상이면 양호, 10% 이상이면 우수

ROIC

Return generated per dollar invested in the business

6.0%

✓ 양호

My positionMid-range

Low range Average High range

Financial 소형주 Median 5.3% · Top 46%

💡 자본비용(보통 8~10%)보다 높으면 가치 창출, 15% 이상이면 우수

Financial health — Debt & liquidity burden

Debt-to-Equity (D/E)

Debt relative to equity (lower is healthier)

0.00

✓ Very low debt

My positionTop 5%

Low range Average High range

Banks - Regional Median 0.42

💡 일반적으로 1.0 이하면 건전, 1.5까지는 무난 (금융·유틸·REIT는 구조적으로 높음)

Current Ratio

Liquid assets available to cover liabilities due within a year

0.37

✓ 위험

💡 1.5~3.0 적정, 1.0 미만이면 단기 유동성 주의

* Ratings reflect relative position vs. peer-group distribution (same sector & size) plus absolute guards (loss & risk thresholds).

What's the outlook?

Outlook data is insufficient

Analyst estimates and price targets have not been collected.

Did earnings meet expectations?

Insufficient historical earnings data

No analyzable past earnings releases have been collected yet.

Is it growing?

Average Growth

Mid-range within the industry

Healthy, Balanced Growth EPS and revenue are both growing steadily — a sustainable growth profile

📊 How much has it grown? (actual results)

Past 3-Year EPS

Actual average annual EPS growth over the past 3 years

+26.4%

양호

My positionMid-range

Low range Average High range

미분류 소형주 Median 2.0% · Top 32%

Past 5-Year EPS

Actual average annual EPS growth over the past 5 years

+31.8%

우수

My positionTop 25%

Low range Average High range

미분류 소형주 Median 0.9% · Top 20%

Past 5-Year Revenue

How much revenue grew over the past 5 years

+12.8%

양호

My positionMid-range

Low range Average High range

미분류 소형주 Median 9.2% · Top 37%

⚡ Short-term momentum

QoQ Revenue

Revenue change from the previous quarter (short-term momentum)

+9.3%

양호

My positionMid-range

Low range Average High range

미분류 소형주 Median 6.3% · Top 46%

* Forecast values are analyst consensus estimates. Ratings are determined by relative position vs. peer group of the same growth style and size.

New to investing terms? Look it up in the financial dictionary →

Has the stock risen over the long term?

Underperformed the market by 12%p over 5 years

PBFS +56.0% · S&P 500 +68.3%

Excess return vs. market (price-based, ex-dividends)

5-year basis

vs S&P 500

-12.3%p

behind the market

1-year basis

vs S&P 500

+29.0%p

ahead of the market

Rank among peers

5-year return Upper-Mid (49%) Based on 130 peers

1-year return Top 19% Based on 134 peers

Current position within 52-week range

Low (-49.4%p) High (-1.6%p)

Current price is 49.4% above the 52-week low and 1.6% below the 52-week high

Recent risk (last 120 trading days)

Max drawdown

-9.8%

Annualized volatility

26.8%

Technical Indicators

Bollinger Bands · MACD · RSI · Stochastics · Ichimoku 5-line · recent 136-day series

Price · Bollinger Bands · Ichimoku Cloud

close
BB Upper
BB Mid
BB Lower
Tenkan
Kijun
Cloud (SpanA/B)

Bollinger Bands are upper and lower channels showing the closing price range (20 days · 2σ). Touching the upper band = overheated; touching the lower band = oversold. Ichimoku Cloud shows trend direction and strength through colored areas. Prices above the cloud indicate an uptrend; prices below indicate a downtrend. About Bollinger Bands →

⚠️

Current diagnosis · 2026-07-27

Overbought zone — short-term pullback possible

Current price $17.94 broke above the upper band ($17.77). Stronger buying than average, but signals short-term overheating. Above the Ichimoku cloud (bullish).

MACD (12 · 26 · 9) Expand ▼

An indicator that uses the difference between the short-term EMA (12) and long-term EMA (26) to identify trend reversals. When MACD rises above the Signal line, it is a buy signal (golden cross); when it falls below, it is a sell signal (death cross). About MACD →

🟢

Current diagnosis · 2026-07-27

Bullish momentum holding

MACD 0.301 > Signal 0.270 in positive zone + Hist positive (+0.032). Trend in progress.

RSI(14) · Stochastics %K(14) Expand ▼

RSI measures short-term buying and selling pressure on a scale of 0–100. 30 or below = oversold (a rebound may be possible); 70 or above = overbought (a pullback may be possible). Stoch %K similarly measures short-term momentum strength. RSI · Learn more about Stochastics →

🟢

Current diagnosis · 2026-07-27

Bullish zone

RSI 68.5 (above the neutral level of 50). Buying pressure leads, supporting a steady rise. Stoch %K is also 100.0.

※ "Current diagnosis" is an automated interpretation based on standard thresholds and is for reference only. Make your own comprehensive judgment before trading.

Is it attractive at this price?

Pricier than peers in its industry

Pricey on Vs. Earnings·Vs. Sales·Vs. Cash Flow, In line with peers on Vs. Assets

💡 How to read this — Compare against peers in the same industry to see what the price is cheap or expensive relative to. Example: cheap vs. earnings = stock price is low relative to what the company earns; expensive vs. assets = stock price is high relative to assets on the balance sheet.

💵 Vs. Earnings Pricey

🏢 Vs. Assets Mid-range

🧾 Vs. Sales Pricey

💧 Vs. Cash Flow Pricey

💵 Vs. Earnings

PER Price-to-Earnings Ratio

How expensive the price is vs. earnings — lower is cheaper

22.15x

✓ Very pricey

My positionBottom 5%

Low range Average High range

Banks - Regional 소형주 median 12.66x · Bottom 1% — expensive within the industry

💡 PER 15 이하 저평가, 25 이상이면 성장성 검증 필요 (적자 기업은 의미 없음)

🏢 Vs. Assets

PBR Price-to-Book Ratio

Price vs. the company's asset value — below 1 trades cheaper than assets

1.33x

✓ Fair

My positionMid-range

Low range Average High range

Banks - Regional 소형주 median 1.30x · Around the industry average

💡 PBR 1 미만이면 청산가치 이하 (금융·제조업에서 특히 의미, IT는 낮은 비중)

🧾 Vs. Sales

PSR Price-to-Sales Ratio

Market cap vs. revenue — lower is cheaper relative to sales

3.48x

✓ Pricey

My positionBottom 25%

Low range Average High range

Banks - Regional 소형주 median 2.49x · Bottom 15% — expensive within the industry

💡 PSR 2 이하 저평가, 10 초과면 고평가 (고성장 기업일 때만 정당화)

💧 Vs. Cash Flow

P/FCF Price-to-Free-Cash-Flow Ratio

Price vs. actual cash generation — lower means more efficient

21.44x

✓ Very pricey

My positionBottom 25%

Low range Average High range

Banks - Regional 소형주 median 12.07x · Bottom 7% — expensive within the industry

💡 P/FCF 20 이하면 현금창출 대비 저평가 (실질 수익성 기준)

* Valuation is the stock's relative position within the industry peer group (same sector and market-cap range). Even when valuation looks attractive, check the 'Profitability' and 'Growth' sections too.

As of: Recent snapshot · Peer group: Banks - Regional 소형주

Who owns it?

Ownership is broadly stable

Institutional modest net selling -0.4% · Short interest light 1.1%

📈 Recent trading flow (6 months)

🧑‍💼 Insiders (executives & directors)

0.0%

Insiders little change

🏦 Institutions (funds & investors)

-0.4%

Institutions net selling

💡 Net change over the past 6 months. Shows how much insiders and institutions increased or reduced their holdings, in %.

👥 Holdings composition

🏦 Institutions 23.5%

Moderate institutional participation

Financial 소형주 Median 42.5%

🧑‍💼 Insiders 58.8%

Founder/management large holders (strong skin-in-the-game)

Financial 소형주 Median 14.2%

👤 Retail investors (estimated) 17.7%

Everyone excluding institutions and insiders

Institutions Insiders Retail (est.)

📉 Short-selling metrics

Short ratio

1.1%

Low — limited short-side pressure

Financial 소형주 Median 0.8%

Past 90 days Little change

Short interest days to cover

5.6 days

Days needed to close short positions using average trading volume

🧮 Share count

Total shares outstanding 24.4M주

Float (tradable shares) 10.3M주

* Insider/institutional flows are based on net changes over the past 6 months. Trend is cumulative over the past 90 days.

ETFs holding PBFS

ETFs with the highest weightings · 10 total shown

BSVO

EA Bridgeway Omni Small-Cap Value ETF

0.05%

$2.4B

IWC

iShares Micro-Cap ETF

0.03%

$1.4B

VTWV

Vanguard Russell 2000 Value Index ETF

0.01%

$1.3B

OMFS

Invesco Russell 2000 Dynamic Multifactor ETF

0.01%

$281M

IWM

iShares Russell 2000 Index Fund

0.01%

$79.0B

* Based on official quarterly filings. Latest disclosure; actual current weights may differ.

How much does it pay in dividends?

This company does not pay a dividend

It may be a growth-focused firm reinvesting profits into expansion. Consider this growth-stock profile when investing.

Compare Industry Peers

💡 vs. sector average ▲ Favorable / ▼ Unfavorable (Lower PER and PBR are better; higher ROE and dividend yield are better)

Sorted by market cap, largest first

Stock	Market Cap	PER	PBR	ROE	Dividend Yield	Change
PBFS This Stock	$449.9M	22.1 ▼	1.3 ▼	6.2% ▼	-	+1.1%
BRK-B	$966.4B	14.8 ▼	1.5 ▼	10.49% ▲	-	+0.5%
BRK-A	$963.1B	14.8 ▼	1.5 ▼	10.49% ▲	-	+0.1%
JPM	$954.4B	15.3 ▼	2.7 ▼	17.71% ▲	1.8% ▼	+0.8%
V	$683.1B	31.9 ▼	19.4 ▼	59.8% ▲	0.75% ▼	+1.9%
MA	$487.5B	31.9 ▼	72.8 ▼	232.56% ▲	0.63% ▼	+2.2%
Sector Avg	-	13.6	1.3	9.39%	2.62%	-

FAQ

What kind of company is 파이낸서뱅크(PBFS)?

파이낸서뱅크(PBFS) belongs to the Financial sector and operates in the Banks - Regional industry.

What is the market cap of PBFS?

The market cap of PBFS is approximately $450M, ranking 3,291 within its sector.

What is the P/E ratio of PBFS?

PBFS has a P/E ratio of approximately 22.1x, which can be used to assess its valuation relative to the Financial sector average.

What is the 52-week high and low for PBFS?

PBFS has recorded a 52-week high of $18.24 and a low of $12.01.

면책조항: 본 콘텐츠는 참고 자료이며 투자 권유가 아닙니다. 모든 투자의 책임은 투자자 본인에게 있습니다.