What is Pioneer Bancorp, Inc.'s Shariah compliance score?

Pioneer Bancorp, Inc.'s (PBFS) compliance score is being calculated. Check HalalScreener.app for the latest AAOIFI screening results.

Does Pioneer Bancorp, Inc. pass AAOIFI screening?

Pioneer Bancorp, Inc. (PBFS) does not pass AAOIFI Shariah screening. AAOIFI requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30% (PBFS: 0.0%), (3) interest-bearing deposits below 30% (PBFS: 22.9%), and (4) prohibited income below 5% (PBFS: 708.0%). HalalScreener provides free AAOIFI screening for 10,000+ stocks at halalscreener.app.

How much purification is needed for Pioneer Bancorp, Inc. stock?

Pioneer Bancorp, Inc. (PBFS) has a non-permissible income ratio of 707.97%. Muslim investors should purify this percentage of any dividends received and capital gains realized from PBFS shares by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification automates this calculation using the latest financial data.

Where can I screen Pioneer Bancorp, Inc. for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for Pioneer Bancorp, Inc. (PBFS) and 10,000+ other US-listed stocks, ETFs, and 100+ cryptocurrencies. The screening uses AAOIFI Standard No. 21 and shows all financial ratios transparently. No credit card or signup required for basic screening. HalalScreener also includes an AI Islamic Scholar for follow-up questions about PBFS's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

Is Pioneer Bancorp, Inc. (PBFS) halal? Not Halal. Based on AAOIFI screening, Pioneer Bancorp, Inc. has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).

PBFS: Is Pioneer Bancorp, Inc. Halal?

Not Halal

Pioneer Bancorp, Inc.

NASDAQFinancial ServicesUS

$16.79

+2.63%

AvoidBorderlineClean

About Pioneer Bancorp, Inc.

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.

Sector: Financial Services · Industry: Banks - Regional

Shariah Compliance Status

AAOIFI Standard 21Updated Jun 11, 2026

Non-Compliant

Fails Shariah screening

0Score

Business Activity Screen

Failed

Checks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)

Prohibited industry: Banks - Regional

Financial Ratio Screen

Failed

Financial ratios must be below AAOIFI thresholds

Debt / Market Cap0.0% / 30.0%

Compliance History

Not Halal, unchanged since May 2026.

No status changes recorded since we began tracking.

Tracked since May 2026. Updates automatically on each re-screen.

Screened: Jun 11, 2026Fiscal: Q1 2026Source: EDGAR

Financial Overview

Market Cap

421.0M

Price

$16.79

Sector

Financial Services

Industry

Banks - Regional

Halal Alternatives in Financial Services

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

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Frequently Asked Questions

Is Pioneer Bancorp, Inc. (PBFS) halal to invest in?

Pioneer Bancorp, Inc. (PBFS) is rated Not Halal under AAOIFI Standard 21 screening. It fails either the business activity screen (primary involvement in prohibited sectors such as conventional banking, alcohol, or gambling) or one of the quantitative financial ratio thresholds. Muslim investors should avoid or exit this position.

Why did Pioneer Bancorp, Inc. get a F compliance rating?

Pioneer Bancorp, Inc. (PBFS) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 0.0% (limit 30%); interest-bearing deposits of 22.9% (limit 30%); prohibited income of 707.97% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change Pioneer Bancorp, Inc.'s Shariah verdict?

Pioneer Bancorp, Inc.'s verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.

How often is Pioneer Bancorp, Inc. re-screened for Shariah compliance?

Pioneer Bancorp, Inc. (PBFS) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Jun 11, 2026.

Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.