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Pioneer Bancorp, Inc. · NASDAQ
Price: $14.87 · Annual div: $2.00/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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Year your monthly dividend income covers each expense (based on current settings)
$10,000 in PBFS → $159.5K in 10 years · $173.52/month
Pioneer Bancorp, Inc. operates as a holding company for Pioneer Savings Bank that provides various banking products and services in New York. The company accepts various deposit products, such as demand, savings, and money market accounts, as well as certificates of deposit accounts. Its loan products include commercial real estate, commercial and industrial, commercial construction, one- to four-family residential real estate, home equity, and consumer loans; and home equity lines of credit. The company also invests in the U.S. governmental securities, fixed rate collateralized mortgage obligations, mortgage-backed securities, fixed-rate investment grade bonds, and equity securities. In addition, the company offers personal and commercial insurance products, including homeowners, automobile, and comprehensive business insurance; employee benefit products and services, such as group health, dental, disability, and life insurance products, as well as defined contribution, defined benefit administration, and human resource management services; and wealth management services comprising investment advice, retirement income planning, estate planning, business succession, and employer retirement planning. It operates through a network of 22 retail banking offices in Albany, Greene, Rensselaer, Saratoga, Schenectady, and Warren Counties in New York. The company was founded in 1889 and is based in Albany, New York. Pioneer Bancorp, Inc. operates as a subsidiary of Pioneer Bancorp, MHC.
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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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% | 13.45% | 10.65% | $1,345 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 11.43% | 8.63% | $1,143 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 10.76% | 7.96% | $1,076 / yr |
| 🇬🇧 UK ISA | 0% | 13.45% | 10.65% | $1,345 / yr |
| 🇬🇧 UK Taxable | 8.75% | 12.27% | 9.47% | $1,227 / yr |
| 🇨🇦 TFSA | 0% | 13.45% | 10.65% | $1,345 / yr |
| 🇨🇦 CA Taxable | 25% | 10.09% | 7.29% | $1,009 / yr |
| 🇦🇺 Super (pension) | 15% | 11.43% | 8.63% | $1,143 / yr |
| 🇦🇺 AU Taxable | 30% | 9.41% | 6.61% | $942 / yr |
| 🇩🇪 DE Taxable | 26.375% | 9.90% | 7.10% | $990 / yr |
| 🇫🇷 FR Taxable | 30% | 9.41% | 6.61% | $942 / 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.
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $2.00/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
PBFS pays quarterly — 4 times per year. Next ex-div: TBD.
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.
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 |
|---|---|---|---|---|---|---|
| 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 | ||
| Sale | 2025-12-12 | 2 | $14.63 | $29.00 | ||
| Sale | 2025-12-12 | 62 | $14.64 | $908.00 | ||
| Sale | 2025-12-12 | 889 | $14.65 | $13.0K | ||
| Sale | 2025-12-12 | 277 | $14.66 | $4.1K | ||
| Sale | 2025-12-12 | 27 | $14.67 | $396.00 |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
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 →
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