PBFS Financial ServicesBeta data

Pioneer Bancorp, Inc.

$18.17-1.52%

Price as of close on Nov 3, 2026 · Financials updated Oct 1, 2026

Basics

Sector: Financial Services
Industry: Banks - Regional
Country: United States
Market cap: 439.3M USD
Full-time employees: 298

Overall health

Not enough data: too little is reported yet for an overall view

Only 2 of 3 categories have enough reported data; an overall score needs at least 3.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Nothing unusual stands out. Its strongest area is profitability (20/100).
None of our checks flag anything unusual in Pioneer Bancorp's latest figures; its strongest area is profitability, at 20 out of 100.

StockQuotient Score

—Fundamentals: Yahoo Finance, not primary filings

Valuation

Is the price right?

19/100

Weak

2/2 inputs reported · High confidence

Why

Weaker than most peers on:

▼ Earnings yield

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield74.7%

Yahoo FinanceReported value40% base weight · Z-score -0.17Sector median: 0.7950 · MAD: 0.2843

Earnings yield3.9%

Yahoo Finance · trailing 12 monthsReported value60% base weight · Z-score -1.60Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yieldUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yield5.1%

Yahoo Finance · trailing 12 months · operating cash flow − capital spendingReported valueInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

Insufficient data

Insufficient data: 0 of 1 inputs reported (at least 1 needed). We leave it blank rather than fill the gap with a made-up middle value.

Profitability

Does it earn well?

20/100

Weak

2/2 inputs reported · High confidence

Why

Weaker than most peers on:

▼ ROE
▼ ROA

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets0.8%

Yahoo Finance · trailing 12 monthsReported value50% base weight · Z-score -0.67Sector median: 0.0117 · MAD: 0.0062

Return on equity5.2%

Yahoo Finance · trailing 12 monthsReported value50% base weight · Z-score -1.42Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about Pioneer Bancorp

Is Pioneer Bancorp getting weaker?: Filing-by-filing changes are tracked only for companies that file with the US SEC.
How is Pioneer Bancorp valued vs its peers?: Priced higher than most peers relative to what it earns. Valuation scores 19/100 against 950 banks & insurance peers. Earnings yield 3.9% vs a peer median of 7.9% (weaker than 86% of peers).Earnings yield 3.9% vs peers 7.9% (weaker than 86% of peers).
Is Pioneer Bancorp growing?: Insufficient data: 0 of 1 inputs reported (at least 1 needed).
How profitable is Pioneer Bancorp?: Less profitable than most of its peers. Profitability scores 20/100 against 950 banks & insurance peers. Return on equity 5.2% vs a peer median of 10.7% (weaker than 83% of peers).Return on equity 5.2% vs peers 10.7% (weaker than 83% of peers).
How risky is Pioneer Bancorp?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Industry valuation context

Industry: Banks - Regional · 119 companies

Valuations in Banks - Regional are within their usual range since 2016.

45% of months since 2016 were valued lower than now.
14% of companies are in the most expensive fifth of their own price-to-book history.
Over 24 months, company values +29% and earnings +32% (medians): prices and earnings moved broadly together.
Median price-to-book is −61% vs the whole market, against a usual −59%.

2016Shaded: most expensive fifth of its range2026

Financials

Detailed annual statements come from structured SEC filing data, which most US companies and some foreign filers provide. They aren’t available for this company yet.

PBFS price history

Price history is added with the daily price update and will appear after the next one.

Similar companies

Sector leaderboards

White Mountains Insurance Group, Ltd.WTM94/ 100

The Allstate CorporationALL93/ 100

PT Saratoga Investama Sedaya TbkSRTG.JK93/ 100

Bringing the fundamentals into focus…

Overall health

Not enough data: too little is reported yet for an overall view

Only 2 of 3 categories have enough reported data; an overall score needs at least 3.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Questions investors ask about Pioneer Bancorp

Is Pioneer Bancorp getting weaker?

Filing-by-filing changes are tracked only for companies that file with the US SEC.

How is Pioneer Bancorp valued vs its peers?

Priced higher than most peers relative to what it earns. Valuation scores 19/100 against 950 banks & insurance peers. Earnings yield 3.9% vs a peer median of 7.9% (weaker than 86% of peers).Earnings yield 3.9% vs peers 7.9% (weaker than 86% of peers).

Is Pioneer Bancorp growing?

Insufficient data: 0 of 1 inputs reported (at least 1 needed).

How profitable is Pioneer Bancorp?

Less profitable than most of its peers. Profitability scores 20/100 against 950 banks & insurance peers. Return on equity 5.2% vs a peer median of 10.7% (weaker than 83% of peers).Return on equity 5.2% vs peers 10.7% (weaker than 83% of peers).

How risky is Pioneer Bancorp?

Not rated for banks and insurers: debt and share-price swings say little about their risk.