PCSB Financial Corporation, founded in 1871, (PCSB) Stock Analysis
DELISTED 2022
What happened to PCSB Financial Corporation, founded in 1871, (PCSB) stock?
PCSB Financial Corporation, founded in 1871, (PCSB) no longer trades on public markets. It was delisted in December 2022. The figures below are historical and are not a current quote.
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
PCSB Financial Corporation, founded in 1871, (PCSB) trades at $19.04. PCSB Financial Corporation operates as the bank holding company for PCSB Bank, offering financial services to individuals and businesses in New York. Sector: Financial services.
Last analyzed: May 10, 2026Analyst Coverage for PCSB: PCSB does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates PCSB against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
PCSB: 1/2 scored disciplines lean bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →PCSB Financial Corporation, founded in 1871, (PCSB) Financial Services Profile
PCSB Financial Corporation, the bank holding company for PCSB Bank, delivers community-focused financial services in New York's Putnam, Dutchess, Rockland, and Westchester counties. Founded in 1871, PCSB offers diverse deposit and loan products, leveraging its regional presence and established customer relationships to maintain a competitive edge.
What Is the Investment Thesis for PCSB?
PCSB Financial Corporation presents a compelling investment case based on its established presence in the New York banking sector and its consistent profitability, reflected in a 26.4% profit margin. The company's focus on community banking and diverse loan portfolio, including commercial real estate and residential mortgages, provides a stable revenue base. A dividend yield of 1.42% offers an additional incentive for investors. Potential growth catalysts include expanding its digital banking services and increasing market share within its existing geographic footprint. However, investors may want to evaluate risks such as interest rate sensitivity and competition from larger regional and national banks. The P/E ratio of 18.3 suggests a reasonable valuation relative to its earnings.
Based on FMP financials and quantitative analysis
PCSB Key Highlights
Profit Margin of 26.4% indicates strong operational efficiency.
- Gross Margin of 98.3% reflects effective cost management in its banking operations.
- Dividend Yield of 1.42% provides a steady income stream for investors.
- Operates 14 banking offices across Putnam, Southern Dutchess, Rockland, and Westchester Counties in New York, demonstrating a strong regional presence.
- P/E ratio of 18.3 suggests a moderate valuation compared to its earnings.
Who Are PCSB's Competitors?
PCSB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| USB U.S. Bancorp | $62.61 | -0.33% | $97.5B | 96 |
| FHN First Horizon Corporation | $24.87 | -3.68% | $11.8B | 92 |
| ZION Zions Bancorporation, National Association | $68.39 | +0.15% | $9.98B | 98 |
| BOKF BOK Financial Corporation | $139.84 | -0.36% | $8.50B | 95 |
| UBSI United Bankshares, Inc. | $47.70 | +0.02% | $6.57B | 96 |
| ASB Associated Banc-Corp | $30.78 | -0.10% | $5.81B | 94 |
| FBP First BanCorp. | $28.41 | -0.19% | $4.34B | 97 |
| UCB United Community Banks, Inc. | $35.63 | -0.34% | $4.27B | 96 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are PCSB's Key Strengths?
Strong regional presence in New York.
- Long-standing history and established brand.
- Diverse loan portfolio.
- Solid profitability metrics (26.4% profit margin).
What Are PCSB's Weaknesses?
Limited geographic diversification.
- Smaller scale compared to larger regional and national banks.
- Potential vulnerability to interest rate fluctuations.
- Reliance on traditional banking model.
What Could Drive PCSB Stock Higher?
Expansion of digital banking platforms to enhance customer experience and attract new clients.
- Strategic initiatives to increase commercial lending to small and medium-sized businesses.
- Efforts to grow wealth management services and cross-sell products to existing customers.
What Are the Key Risks for PCSB?
Increased competition from larger regional and national banks.
- Economic downturn affecting loan demand and credit quality.
- Regulatory changes impacting banking operations.
- Rising interest rates increasing borrowing costs.
What Are the Growth Opportunities for PCSB?
- Expansion of Digital Banking Services: PCSB can enhance its digital banking platform to attract and retain customers, particularly younger demographics. Investing in user-friendly mobile apps, online account management tools, and digital payment solutions can drive customer acquisition and increase transaction volumes. The market for digital banking is projected to grow significantly, offering PCSB a substantial opportunity to expand its customer base and improve operational efficiency. Timeline: Ongoing.
- Strategic Branch Expansion: While digital banking is crucial, maintaining a physical presence in key locations remains important for customer service and relationship building. PCSB can strategically open new branches in underserved areas within its existing geographic footprint or expand into adjacent markets. This expansion should be data-driven, focusing on areas with strong economic growth and favorable demographics. Timeline: 2-3 years.
- Enhanced Commercial Lending: PCSB can grow its commercial lending portfolio by targeting small and medium-sized businesses (SMBs) in its service area. Offering tailored loan products, competitive interest rates, and personalized service can attract SMB clients seeking financing for expansion, equipment purchases, or working capital. The market for SMB lending is substantial, providing PCSB with a significant growth opportunity. Timeline: Ongoing.
- Wealth Management Services: PCSB can expand its wealth management offerings to cater to the growing affluent population in its service area. Providing financial planning, investment management, and retirement planning services can generate fee income and deepen customer relationships. Partnering with experienced wealth management professionals or acquiring a local wealth management firm can accelerate this growth. Timeline: 1-2 years.
- Cross-Selling Opportunities: PCSB can leverage its existing customer base to cross-sell additional products and services. For example, offering insurance products to mortgage customers or promoting wealth management services to commercial banking clients. Implementing a robust customer relationship management (CRM) system and providing targeted marketing campaigns can maximize cross-selling opportunities. Timeline: Ongoing.
What Are PCSB's Competitive Advantages?
- Strong regional presence and brand recognition in Putnam, Dutchess, Rockland, and Westchester Counties.
- Established customer relationships built over many years of community banking.
- Local market expertise and personalized service.
- Conservative lending practices and risk management.
What Does PCSB Do?
PCSB Financial Corporation, established in 1871, serves as the bank holding company for PCSB Bank. The bank provides a comprehensive suite of financial services to individuals and businesses across Putnam, Southern Dutchess, Rockland, and Westchester Counties in New York. Its history is rooted in community banking, emphasizing personalized service and local market expertise. PCSB's offerings include a variety of deposit products such as interest and non-interest-bearing accounts, time deposits, and demand accounts. These encompass checking, NOW, money market, savings, certificate of deposit, and individual retirement accounts. The bank also provides online and mobile deposit services, along with cash management solutions like escrow, sweep, and lockbox accounts. PCSB extends credit through commercial real estate loans, multi-family residential real estate loans, commercial business loans, construction loans, residential mortgage loans, and consumer and deposit overdraft loans. Additionally, it offers home equity lines of credit, insurance products, and securities. As of June 30, 2022, PCSB operated from its executive offices/headquarters and 14 banking offices, maintaining a strong regional presence and a commitment to serving the financial needs of its local communities.
What Products and Services Does PCSB Offer?
- Provides deposit accounts, including checking, savings, and money market accounts.
- Offers loans for commercial real estate, residential mortgages, and consumer needs.
- Provides online and mobile banking services for convenient access to accounts.
- Offers cash management services for businesses, including escrow and sweep accounts.
- Provides home equity lines of credit.
- Offers insurance products and securities.
How Does PCSB Make Money?
- Generates revenue from interest earned on loans.
- Collects fees for services such as cash management and wealth management.
- Manages deposits and invests funds to generate income.
- Provides a range of financial services to individuals and businesses in its target markets.
What Industry Does PCSB Operate In?
PCSB Financial Corporation operates within the regional banking sector, which is characterized by increasing competition from larger national banks and fintech companies. The industry is also influenced by interest rate fluctuations and regulatory changes. Market trends include a growing demand for digital banking services and personalized financial advice. PCSB's focus on community banking and its established presence in the New York market position it to capitalize on local growth opportunities, but it must adapt to technological advancements and evolving customer preferences to remain competitive.
Who Are PCSB's Key Customers?
- Individuals seeking personal banking services.
- Small and medium-sized businesses requiring commercial loans and cash management.
- Real estate developers seeking financing for construction projects.
- Families looking for residential mortgages.
Company Profile
PCSB Financial Corporation, founded in 1871, operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Yorktown Heights, US. The company is led by CEO Joseph D. Roberto. PCSB has traded publicly since 2017.
Key Financial Metrics
Return on equity for PCSB Financial Corporation, founded in 1871, stands at 5.4%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.7%, showing how much profit it generates from its asset base. PCSB trades at a trailing price-to-earnings ratio of 18.29, roughly in line with the Financial Services sector average of ~18x. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 5.5%, the inverse of the P/E and a quick read on earnings relative to price.
PCSB Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future, indicating that leadership believes in the growth potential.
- Community sentiment has shifted positively, with discussions highlighting strong customer relationships and service quality.
- Increased engagement in social trading communities shows a growing interest in PCSB, which could lead to more retail investment.
- Market perception has improved as the company continues to adapt its strategies to meet evolving financial needs.
Bear Case
- Concerns have been raised about the overall economic environment, which could impact lending and profitability for financial institutions like PCSB.
- Some community members express skepticism about the company's ability to scale effectively in a competitive landscape.
- Insider selling in previous months raised red flags for some investors, suggesting potential lack of confidence among certain executives.
- Recent regulatory changes in the banking sector have led to uncertainty, causing some investors to adopt a cautious stance towards PCSB.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
PCSB Latest News
No recent news available for PCSB.
Leadership: Joseph D. Roberto
Unknown
Information about Joseph D. Roberto's background is not available in the provided data. His career history, education, previous roles, and credentials are Unknown.
Track Record: Information about Joseph D. Roberto's track record is not available in the provided data. Key achievements, strategic decisions, and company milestones under his leadership are Unknown.
Common Questions About PCSB (Financial Services)
What happened to PCSB Financial Corporation, founded in 1871, (PCSB) stock?
PCSB Financial Corporation, founded in 1871, (PCSB) no longer trades on public markets. It was delisted in December 2022. The figures below are historical and are not a current quote.
Can I still buy PCSB shares?
No. PCSB stopped trading on public markets in December 2022, so the shares are not available through a broker. Anything you see quoted for PCSB elsewhere is historical data, not a live market.
Are the figures on this page current?
No. Every number here is the last value recorded before PCSB stopped trading. Nothing on this page updates, and none of it is a current quote.
Why does this page still exist?
Because people still search for what happened to PCSB Financial Corporation, founded in 1871,. An archived profile that states the delisting plainly is more useful than a dead link — provided it is labelled as history, which is what this page does.
What does PCSB Financial Corporation do?
PCSB Financial Corporation operates as the bank holding company for PCSB Bank, providing a range of financial services to individuals and businesses in Putnam, Southern Dutchess, Rockland, and Westchester Counties in New York.
What do analysts say about PCSB stock?
Analyst coverage of PCSB Financial Corporation is Unknown. Key valuation metrics to consider include the company's P/E ratio of 18.3, profit margin of 26.4%, and dividend yield of 1.42%. Growth considerations involve the company's ability to expand its digital banking services, increase commercial lending, and manage interest rate risk. Investors should conduct their own due diligence and consider their individual investment objectives before making any decisions.
What are the main risks for PCSB?
PCSB Financial Corporation faces several risks, including increased competition from larger regional and national banks and fintech companies. An economic downturn could negatively impact loan demand and credit quality, potentially leading to higher loan losses. Regulatory changes in the banking industry could also affect PCSB's operations and profitability.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data as of 2026-05-10.
- Analyst consensus and ratings are not available in the provided data.