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PBFS Dividend Calculator 2026
No dividendFinancial ServicesPioneer Bancorp, Inc. · NASDAQ
Price: $18.22 · Annual div: None · Frequency: — · Payout ratio: N/A · Ex-div: —
Calculator settings
PBFS is not a dividend-focused stock
PBFS pays a very low or no dividend (Yield: 0.00%). This calculator is designed for income-producing assets. If your goal is passive income and compounding, you might want to look at these popular alternatives:
Portfolio growth: DRIP vs No DRIP
Annual dividend income growth
PBFS Dividend Yield
Pioneer Bancorp, Inc. (PBFS) does not currently pay a regular dividend in our data, so its dividend yield is 0%.
💡 What-if scenarios
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🎯 When PBFS pays your bills
Year your monthly dividend income covers each expense (based on current settings)
About Pioneer Bancorp, Inc. (PBFS) — Dividend Analysis 2026
Pioneer Bancorp, Inc., founded in 1889 and based in Albany, New York, serves as the holding company for Pioneer Savings Bank. It offers a wide spectrum of financial products and services throughout New York. The company's banking services include various deposit options such as checking, savings, and money market accounts, as well as certificates of deposit. Its lending portfolio spans commercial real estate, commercial and industrial financing, commercial construction, residential mortgages for one-to-four family homes, home equity loans, home equity lines of credit, and consumer loans. Beyond traditional banking, Pioneer Bancorp allocates capital to U.S. governmental securities, fixed-rate collateralized mortgage obligations, mortgage-backed securities, investment-grade bonds with fixed rates, and equity securities. The organization also extends its offerings to include insurance products, providing coverage for homeowners, automobiles, and comprehensive business needs. Additionally, it delivers employee benefit solutions, encompassing group health, dental, disability, and life insurance, alongside administrative services for defined contribution and benefit plans, and human resource management. Wealth management services are also available, comprising investment guidance, retirement income and estate planning, business succession strategies, and employer retirement program development. With a network of 22 retail banking branches, the company serves clients across Albany, Greene, Rensselaer, Saratoga, Schenectady, and Warren Counties in New York. Pioneer Bancorp, Inc. operates as a subsidiary of Pioneer Bancorp, MHC.
PBFS Dividend & DRIP — Frequently Asked Questions
Does PBFS pay a dividend?
No. Pioneer Bancorp, Inc. (PBFS) has not paid a regular dividend in the last 12 months in our data, so its dividend yield is 0% and it produces no dividend income.
How can I get dividend income instead of PBFS?
Dividend ETFs such as SCHD, VYM or JEPI pay regular income. Open their DRIP calculators to see what $10,000 would earn per month and how reinvesting grows it.
Does PBFS have a DRIP (dividend reinvestment plan)?
A DRIP reinvests dividends into new shares. PBFS has no regular dividend in our data, so there is nothing to reinvest.
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Forward dividend yield from the latest data · open any DRIP calculator
This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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🌍 PBFS Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold PBFS.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 0.00% | -2.80% | $0 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 0.00% | -2.80% | $0 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 0.00% | -2.80% | $0 / yr |
| 🇬🇧 UK ISA | 0% | 0.00% | -2.80% | $0 / yr |
| 🇬🇧 UK Taxable | 8.75% | 0.00% | -2.80% | $0 / yr |
| 🇨🇦 TFSA | 0% | 0.00% | -2.80% | $0 / yr |
| 🇨🇦 CA Taxable | 25% | 0.00% | -2.80% | $0 / yr |
| 🇦🇺 Super (pension) | 15% | 0.00% | -2.80% | $0 / yr |
| 🇦🇺 AU Taxable | 30% | 0.00% | -2.80% | $0 / yr |
| 🇩🇪 DE Taxable | 26.375% | 0.00% | -2.80% | $0 / yr |
| 🇫🇷 FR Taxable | 30% | 0.00% | -2.80% | $0 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 PBFS Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
No dividend data available for this ticker.
Based on current dividend of $0.00/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 PBFS Dividend Payment Schedule
PBFS pays quarterly — 4 times per year. Ex-div: —.
📊 PBFS vs Financial Services Benchmarks
How PBFS compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for PBFS sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ PBFS Insider Activity
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| A-Award | 2026-08-18 | 5,000 | — | — | ||
| A-Award | 2026-08-18 | 10,000 | $17.28 | $172.8K | ||
| F-InKind | 2026-05-21 | 1,442 | $14.97 | $21.6K | ||
| F-InKind | 2026-05-21 | 3,605 | $14.97 | $54.0K | ||
| F-InKind | 2026-05-21 | 2,523 | $14.97 | $37.8K | ||
| I-Discretionary | 2026-06-01 | 22,389 | $16.09 | $360.3K | ||
| Sale | 2025-12-12 | 156 | $14.60 | $2.3K | ||
| Sale | 2025-12-12 | 96 | $14.61 | $1.4K | ||
| Sale | 2025-12-12 | 128 | $14.61 | $1.9K | ||
| Sale | 2025-12-12 | 339 | $14.62 | $5.0K |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Peer Group
Similar companies in the same sectorCompare PBFS with peers: PBFS vs BWFG · PBFS vs FMAO · PBFS vs MSBI
Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the PBFS dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
Pioneer Bancorp, Inc. (PBFS) is currently trading at $18.22, 8% below its 52-week high. It does not currently pay a regular dividend.
Does PBFS Pay a Dividend? Pioneer Bancorp, Inc. Dividend Status
Pioneer Bancorp, Inc. (PBFS) is a financial services stock trading at $18.22. It does not currently pay a regular dividend in our data, so it produces no dividend income and DRIP reinvestment does not apply. Investors seeking income often look at dividend ETFs such as SCHD, VYM or JEPI instead.
- Without a dividend, returns depend entirely on the share price.
Auto-generated from live market data. For educational purposes only — not financial advice.
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