Is Pioneer Bancorp, Inc./MD (PBFS) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 30.9% | |
| Net Margin | 21.9% | |
| Return on Equity (ROE) | 6.5% | |
| Return on Assets (ROA) | 1.0% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $11M |
| Free Cash Flow | $9M |
| Total Assets | $2.2B |
Price & Trading
| Last Close | $13.52 |
| 50-Day MA | $14.08 |
| 200-Day MA | $13.26 |
| Avg Volume | 12K |
| Beta | 0.4 |
|
52-Week Range
$10.60
| |
About Pioneer Bancorp, Inc./MD (PBFS)
Pioneer Bancorp, Inc. operates as a holding company for Pioneer Bank, National Association that provides various banking products and services in New York. It accepts various deposit accounts, such as demand, savings, and money market accounts, as well as certificates of deposit accounts. The company's loan products include commercial real estate, commercial and industrial, commercial construction, residential mortgage, consumer loans, home equity loans, and lines of credit. It also invests in securities, including U.S. treasury securities, fixed-rate mortgage-backed securities and collateralized mortgage obligations, fixed-rate investment grade bonds, and corporate debt securities. In addition, the company offers personal and commercial insurance products, including homeowners, automobile, and comprehensive business insurance; employee benefit products and consulting services, such as group health, dental, disability, and life insurance products; defined contribution and 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. Pioneer Bancorp, Inc. was founded in 1889 and is based in Albany, New York. Pioneer Bancorp, Inc. operates as a subsidiary of Pioneer Bancorp MHC.
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Frequently Asked Questions
Is Pioneer Bancorp, Inc./MD (PBFS) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), Pioneer Bancorp, Inc./MD is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is Pioneer Bancorp, Inc./MD's debt ratio?
Pioneer Bancorp, Inc./MD's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are Pioneer Bancorp, Inc./MD's key financial metrics?
Pioneer Bancorp, Inc./MD has a market capitalization of $341M, trailing P/E ratio of 16.4, and revenue of $96M. Return on equity stands at 6.5%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.