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Pioneer Bancorp Inc (PBFS) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Pioneer Bancorp Inc stock $10.64, price $18.35, that is 42.0% below the price, quality 54 out of 100. Rating: strongly overvalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

PB Pioneer Bancorp Inc logo Some data Nov 7, 2026

Pioneer Bancorp Inc

PBFS · US
Solid, but very expensive

Our calculation puts a fair price 42% below what the stock costs today.

Solidly profitable · 12.2% net margin (TTM) · excl. goodwill write-downs +14.2%
Revenue last quarter +20% vs. a year ago.
Quality 54/100
Mixed Growth (revenue YoY +43.8 %/yr in USD)
Moderate moat 48/100 · thin data
Some data
Fair value $10.64 · Strongly overvalued
Trails peers (1/12)
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$18.80 $7.91 Fair Value $10.64 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.

How to read this chart

60‑month range $7.91 – $18.80 · fair‑value band $9.19 – $12.88 · the $18.35 price screens above the $10.64 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.

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Company profile

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.

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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.

Stock analysis

Pioneer Bancorp Inc (PBFS) currently trades at $18.35, while our model-based Fair Value estimate is $10.64, 42% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $12.25 per share, and 0 of the 4 models we run sit above the $18.35 price.

Bear case: the Asset-Based group reads lowest at $8.63, and 4 of the 4 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $9.19 (bear) to $12.88 (bull), the price of $18.35 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 54/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Pioneer Bancorp Inc reported revenue of $127M in FY2026 versus $57.9M in FY2022, a compound +21.6%/yr. Reported net income was $20.3M in FY2026, compounding +18.5%/yr from FY2022.

Key figures

Market cap $446M Small · P/E ratio 35.3 · P/S ratio 4.33 · EPS (TTM) $0.5200 · Net margin 12.2% · Return on equity 5.2% · Return on assets (EBIT) 1.2% (5-year average) · Operating margin 22.5%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).

What moves the price

The share trades about 2% below its 52-week high and 41% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −29% fair-value upside, at −42%, PBFS screens richer than that median.

Fair Value models

Bear $9.19 Fair Value $10.64 Bull $12.88
Price $18.35 · Downside -42.0%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 4 months old). Earnings retained since then ($0.1881 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $10.37 $10.64 $11.48 71
P/E Multiple $8.18 $10.91 $13.63 63
P/B Multiple $10.20 $13.59 $16.99 55
All 4 models by family
Multiples
P/E Multiple $8.18 $10.91 $13.63 63
P/B Multiple $10.20 $13.59 $16.99 55
Asset-Based
NCAV (Graham) $6.44 $8.63 $12.88 51
Economic Profit
Residual Income $10.37 $10.64 $11.48 71

Open the full fair value analysis →

Quality Score breakdown

Overall quality 54/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 27
How much profit the company makes from its sales and capital
Quality Growth 62
Are margins and returns getting better?
Cashflow 39
Do the profits arrive as real cash?
Financial strength 20
Debt, balance sheet and risk of trouble
Investment 81
Does it invest with discipline instead of growing at any price?
Low Volatility 89
How calm the share price moves, does not count
Price momentum 66
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 83
Distance to the 52-week high, does not count
New shares 97
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, no officer or director bought or sold shares on the open market.

  • SaleJesse TomczakEVP and CBO5,395 shares at $14.69$79,245Dec 12, 2025

Plus 5 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 81/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
≈ +32.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year≈ +32.0%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.base effect: 32.0% / 5.2%
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.5% → 21%
⚠ Revenue per share shrinking 4.3%/yr over ~7Y (margins intact) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
⚠ Base effect: the rate starts in the earnings trough around 2021 (starting value 0.21 per share, median 0.65 in 2017 to 2019). It measures the recovery from the trough, not lasting growth.

PBFS screens overvalued: fair value 42% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 1/12 measures
Overall it trails its industry peers.
Valuation
Quality Score 54 · Below median
Fair Value upside −42.0% · Bottom 25%
Profitability
Return on equity (12 months) 5.2% · Bottom 25%
Return on assets 0.9% · Below median
Net margin (12 months) 12.2% · Bottom 25%
Operating margin (12 months) 22.5% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 19.7% · Top 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 35.3× · Priciest 25%
P/B 1.38× · Pricier than median
P/S (12 months) 4.33× · Priciest 25%
Price / free cash flow (fiscal year) 50.7× · Priciest 25%
EV/EBITDA 11.1× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)99 · sector 47
PAST (return on equity)21 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 52

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.62 ¥7.59 +35% vs PBFS
China Merchants Bank Co 600036 ¥43.01 ¥52.73 +23% vs PBFS
BNP Paribas SA BNP €93.98 €106.01 +13% vs PBFS
State Bank of India SBIN ₹1,042 ₹736.65 −29% vs PBFS
Intesa Sanpaolo S.p.A ISP €6.35 €4.49 −29% vs PBFS
Mizuho Financial Group MFG $9.40 $5.89 −37% vs PBFS
UniCredit S.p.A UCG €81.62 €50.44 −38% vs PBFS
DBS Group D05 69.72 SGD 40.39 SGD −42% vs PBFS
HDFC Bank Limited HDFCBANK ₹798.15 ₹406.39 −49% vs PBFS
ICICI Bank Limited ICICIBANK ₹1,589 ₹615.63 −61% vs PBFS

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Pioneer Bancorp Inc: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Pioneer Bancorp Inc Fair Value". https://www.fairvalue-calculator.com/stock/PBFS

Frequently asked questions

Is Pioneer Bancorp Inc (PBFS) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of $10.64 versus a price of $18.35, about 42% lower (overvalued).
What is the fair value of PBFS?
Our model-based fair value for Pioneer Bancorp Inc is $10.64 (as of Nov 7, 2026), built from audited fundamentals. The current price: $18.35.
What is the quality score of PBFS?
Pioneer Bancorp Inc has a Quality Score of 54/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Pioneer Bancorp Inc (PBFS)?
Our model-based price target is the fair value of $10.64 (as of Nov 7, 2026) from 4 valuation models. Cautious scenario $9.19, optimistic scenario $12.88. It is a calculation from audited fundamentals, not an analyst target.
What is the Pioneer Bancorp Inc stock forecast for 2026?
Our models put fair value at $10.64, about 42% lower versus a price of $18.35 (overvalued). Cautious scenario $9.19, optimistic scenario $12.88. The calculation is refreshed regularly with new filings.
What is the revenue of Pioneer Bancorp Inc (PBFS)?
Pioneer Bancorp Inc reported trailing-twelve-month revenue of about $103M (latest available figure, as of Nov 7, 2026).
What is the intrinsic value of Pioneer Bancorp Inc (PBFS)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Pioneer Bancorp Inc it is $10.64 per share (as of Nov 7, 2026), against a price of $18.35. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is Pioneer Bancorp Inc stock overvalued or undervalued in 2026?
As of Nov 7, 2026, PBFS trades above its calculated fair value: price $18.35, fair value $10.64, a gap of about −42% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of PBFS?
No. The price is what the market pays today ($18.35); the fair value is what the company's own numbers justify ($10.64). For Pioneer Bancorp Inc the two are $7.71 per share apart. That gap is exactly why we show both numbers side by side.
How much is Pioneer Bancorp Inc worth?
The market values Pioneer Bancorp Inc at about $446M (market capitalisation, as of Nov 7, 2026). Per share that is $18.35; our models calculate a fair value of $10.64 per share.
What do the bullish and bearish scenarios say about PBFS?
Our models span a range for Pioneer Bancorp Inc: cautious scenario $9.19, base $10.64, optimistic $12.88 per share (as of Nov 7, 2026, price $18.35). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of PBFS?
Pioneer Bancorp Inc trades at a price-to-earnings ratio of 35.3 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $10.64 is built from several models across several years. Median P/E at fiscal year-end, 7 fiscal years (2020 to 2026), reported earnings, FY2021, FY2025 ex one-offs: 20.5. Other multiples: P/B 1.4, P/S 4.3, EV/EBITDA 11.1.
How solid is the balance sheet of Pioneer Bancorp Inc (PBFS)?
Balance-sheet figures for Pioneer Bancorp Inc (as of Nov 7, 2026): return on equity 5.2%. They feed the Quality Score of 54/100, which measures business quality independently of the share price.
How far is PBFS from its 52-week high?
Pioneer Bancorp Inc trades at $18.35, about 2% below its 52-week high of $18.80 and 41% above the low of $13.02 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $10.64 is for.
Which stocks are comparable to Pioneer Bancorp Inc?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Pioneer Bancorp Inc stock attractive at the current price?
The data as of Nov 7, 2026: price $18.35, calculated fair value $10.64 (−42%), Quality Score 54/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of PBFS calculated?
We run Pioneer Bancorp Inc through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $10.64 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Pioneer Bancorp Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Pioneer Bancorp Inc (PBFS)?
The closing price on Nov 6, 2026 was $18.35. Our model-based fair value is $10.64, about 42% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Pioneer Bancorp Inc right now?
The price sits above even our optimistic bull case ($12.88). The favourable scenario is already priced in. Solid but not exceptional quality (54/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Pioneer Bancorp Inc

How large is the market capitalisation of Pioneer Bancorp Inc (PBFS)?
The market capitalisation of Pioneer Bancorp Inc is $446M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Pioneer Bancorp Inc (PBFS)?
The price-to-sales ratio of Pioneer Bancorp Inc is 4.33 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Pioneer Bancorp Inc (PBFS)?
Earnings per share at Pioneer Bancorp Inc are $0.5200 (price ÷ EPS = P/E 35.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Pioneer Bancorp Inc (PBFS)?
The net margin of Pioneer Bancorp Inc is 12.2% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Pioneer Bancorp Inc (PBFS)?
The return on equity (ROE) of Pioneer Bancorp Inc is 5.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Pioneer Bancorp Inc (PBFS)?
On an EBIT basis the return on assets of Pioneer Bancorp Inc is 1.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Pioneer Bancorp Inc (PBFS)?
The operating margin of Pioneer Bancorp Inc is 22.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Pioneer Bancorp Inc (PBFS)?
Revenue at Pioneer Bancorp Inc is growing +19.7% versus a year earlier (3y avg +16.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Pioneer Bancorp Inc (PBFS)?
Earnings per share at Pioneer Bancorp Inc are growing −98.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Pioneer Bancorp Inc (PBFS) generate?
The free cash flow of Pioneer Bancorp Inc is $8.8M (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Pioneer Bancorp Inc (PBFS) hold?
Pioneer Bancorp Inc holds more cash than debt, $131M net (fiscal year 2026). The company holds more cash than debt, a safety cushion.
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