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Pioneer Bankcorp, Inc (PBKC) Fair Value & Analysis

Financial Services · US · Market cap $90.2M

Price$84.00
Fair Value$134.38
Upside+60.0%
Quality95/100
Evidence: High Range $100.79 – $167.98

Fair value as of: Jun 26, 2026

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Analysis

Pioneer Bankcorp, Inc (PBKC) currently trades at $84.00, while our model-based Fair Value estimate is $134.38 — implying the stock looks roughly 60.0% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

Pioneer Bankcorp, Inc. operates as the bank holding company for First Bank that provides banking products and services. The company offers checking and savings accounts, money market accounts, certificates of deposit, and individual retirement accounts; and home mortgage loans, home equity lines of credit, auto loans, term loans, commercial real estate loans, equipment loans, and agriculture loans, as well as credit cards. It also provides account services, including digital banking, debit cards, and identity theft protection; and merchant card, remote deposit capture, automated clearing house, and sweep services, as well as financial planning and the sale of brokerage service products. Pioneer Bankcorp, Inc. was founded in 1922 and is based in Clewiston, Florida.

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Frequently asked questions

Is Pioneer Bankcorp, Inc (PBKC) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $134.38 versus a price of $84.00 — about +60% (undervalued). Model-based estimate, not financial advice.
What is the fair value of PBKC?
Our 21-model fair value for Pioneer Bankcorp, Inc is $134.38 (as of Jun 26, 2026), built from audited fundamentals. The current price is $84.00.
What is the quality score of PBKC?
Pioneer Bankcorp, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.