Zacks Investment Research
BY vs. PBFS: Which Bank Stock Carries Lower Debt Burden?
Byline Bancorp (BY) and Pioneer Bancorp (PBFS) show contrasting debt profiles as of June 30, 2026. BY carries $606.2 million in total debt with a debt-to-capitalization ratio of 31.7%, while PBFS eliminated its FHLB borrowings and maintains effectively zero debt. PBFS's lighter debt burden provides greater funding flexibility, whereas BY's higher leverage warrants monitoring of borrowing costs and their impact on net interest margins.
