Pioneer Bankcorp Inc (PBKC) fair value: what the stock is really worth
As of Sep 18, 2026: fair value of Pioneer Bankcorp Inc $71.83, price $84.00, upside -14.5%, quality 56 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $32.21 – $85.00 · fair‑value band $59.74 – $140.00 · the $84.00 price screens above the $71.83 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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Pioneer Bankcorp, Inc. operates as the bank holding company for First Bank that provides banking products and services.
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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.
Stock analysis
Pioneer Bankcorp Inc (PBKC) currently trades at $84.00, while our model-based Fair Value estimate is $71.83, implying the stock looks roughly 16.9% overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $92.63 per share, and 2 of the 6 models we run sit above the $84.00 price.
Bear case: the Dividend Discount group reads lowest at $14.54, and 4 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: $59.74 (bear) to $140.00 (bull), the price of $84.00 sits inside 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 56/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Pioneer Bankcorp Inc reported revenue of $43.6M in FY2025 versus $21.5M in FY2021, a compound +19.3%/yr. Reported net income was $11.4M in FY2025, compounding +22.2%/yr from FY2021.
Key figures
Market cap $94.9M · P/E ratio 7.8 · P/S ratio 2.03 · EPS (TTM) $10.81 · Dividend yield 1.6% · Net margin 26.1% · Return on assets (EBIT) 1.4% · Free cash flow $10.5M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades about 1% below its 52-week high and 43% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at −14%, PBKC screens cheaper than that median.
Fair Value models
Bear $59.74Fair Value $71.83Bull $140.00
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($7.91 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.Evidence ⓘEvidence = 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.
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.90/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+12.8%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+18.5%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+15.3%
Start year 2020 (pandemic)
Revenue growth 6 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+14.6%
’19
’20
’21
’22
’23
’24
’25
What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘ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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+22.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+20.8%
Dividend (yield on the price)1.6%
Profit margin 2020 to 2025 ⓘ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.27% → 34%
2025 sits 56% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−26.6%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −28.3% a year for the price.
Price, fair value, quality and upside side by side.
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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 · 1076 stocks
Beats the industry median on 5/11 measures
A mixed picture versus its industry peers.
Valuation
Quality Score56 · Above median
Fair Value upside−15% · Above median
Profitability
Return on assets0% · Bottom 25%
Net margin (TTM)26% · Below median
Operating margin (TTM)0% · Bottom 25%
Growth and dividend
Revenue growth0% · Bottom 25%
Dividend yield (TTM)1.6% · Bottom 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Is Pioneer Bankcorp Inc (PBKC) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $71.83 versus the last price from Sep 18, 2026 of $84.00, about −14% upside (overvalued).
What is the fair value of PBKC?
Our model-based fair value for Pioneer Bankcorp Inc is $71.83 (as of Sep 23, 2026), built from audited fundamentals. Last price (from Sep 18, 2026): $84.00.
What is the quality score of PBKC?
Pioneer Bankcorp Inc has a Quality Score of 56/100. 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 Bankcorp Inc (PBKC)?
Our model-based price target is the fair value of $71.83 (as of Sep 23, 2026) from 6 valuation models. Cautious scenario $59.74, optimistic scenario $140.00. It is a calculation from audited fundamentals, not an analyst target.
What is the Pioneer Bankcorp Inc stock forecast for 2026?
Our models put fair value at $71.83, about −14% upside versus the last price from Sep 18, 2026 of $84.00 (overvalued). Cautious scenario $59.74, optimistic scenario $140.00. The calculation is refreshed regularly with new filings.
Does Pioneer Bankcorp Inc pay a dividend?
Pioneer Bankcorp Inc currently shows a dividend yield of about 1.60% relative to its recent price (as of Sep 23, 2026).
What growth is priced into Pioneer Bankcorp Inc (PBKC)?
For today's price to be fair in a discounted-cash-flow model, Pioneer Bankcorp Inc would have to grow free cash flow by -26.6 % per year for five years (discount rate 12.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +15.3 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of PBKC use?
Our models discount Pioneer Bankcorp Inc at 12.7 %: a base by market capitalisation (micro), country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Pioneer Bankcorp Inc that is -26.6 % per year a year over ten years, using the same discount rate (12.7 %) and the same formula as our fair value.
How much growth has Pioneer Bankcorp Inc (PBKC) delivered so far?
Over the past 5 years revenue at Pioneer Bankcorp Inc grew +15.3 % a year. The price currently implies -26.6 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Pioneer Bankcorp Inc (PBKC) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Pioneer Bankcorp Inc (-26.6 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Pioneer Bankcorp Inc (PBKC)?
The free-cash-flow yield on the price is 11.06 %: that much free cash flow Pioneer Bankcorp Inc produces per unit of market value. When it exceeds the discount rate of our models (12.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Pioneer Bankcorp Inc (PBKC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Pioneer Bankcorp Inc it is $71.83 per share (as of Sep 23, 2026), against a price of $84.00. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Pioneer Bankcorp Inc stock overvalued or undervalued in 2026?
As of Sep 23, 2026, PBKC trades above its calculated fair value: price $84.00, fair value $71.83, a gap of about −14% (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 PBKC?
No. The price is what the market pays today ($84.00); the fair value is what the company's own numbers justify ($71.83). For Pioneer Bankcorp Inc the two are $12.17 per share apart. That gap is exactly why we show both numbers side by side.
How much is Pioneer Bankcorp Inc worth?
The market values Pioneer Bankcorp Inc at about $94.9M (market capitalisation, as of Sep 23, 2026). Per share that is $84.00; our models calculate a fair value of $71.83 per share.
What do the bullish and bearish scenarios say about PBKC?
Our models span a range for Pioneer Bankcorp Inc: cautious scenario $59.74, base $71.83, optimistic $140.00 per share (as of Sep 23, 2026, price $84.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of PBKC?
Pioneer Bankcorp Inc trades at a price-to-earnings ratio of 7.8 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $71.83 is built from several models across several years. Other multiples: P/B 1.3, EV/EBITDA 2.2.
How far is PBKC from its 52-week high?
Pioneer Bankcorp Inc trades at $84.00, about 1% below its 52-week high of $85.00 and 43% above the low of $58.90 (as of Sep 18, 2026). Distance from the high says nothing about value: that is what the fair value of $71.83 is for.
Which stocks are comparable to Pioneer Bankcorp Inc?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 Bankcorp Inc stock attractive at the current price?
The data as of Sep 23, 2026: price $84.00, calculated fair value $71.83 (−14%), Quality Score 56/100, from 6 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 PBKC calculated?
We run Pioneer Bankcorp Inc through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $71.83, 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 13.0 % above its aggregate fair value. Pioneer Bankcorp 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 Bankcorp Inc (PBKC)?
The latest price we hold is from Sep 18, 2026 and stands at $84.00. Our model-based fair value is $71.83, about −14% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Pioneer Bankcorp Inc right now?
Solid but not exceptional quality (56/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range ($59.74 to $140.00) leaves room in how you read the outcome. 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 Bankcorp Inc
How large is the market capitalisation of Pioneer Bankcorp Inc (PBKC)?
The market capitalisation of Pioneer Bankcorp Inc is $94.9M. 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 Bankcorp Inc (PBKC)?
The price-to-sales ratio of Pioneer Bankcorp Inc is 2.03 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Pioneer Bankcorp Inc (PBKC)?
Earnings per share at Pioneer Bankcorp Inc are $10.81 (price ÷ EPS = P/E 7.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Pioneer Bankcorp Inc (PBKC)?
The dividend yield of Pioneer Bankcorp Inc is 1.6% (payout 12.5%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Pioneer Bankcorp Inc (PBKC)?
The net margin of Pioneer Bankcorp Inc is 26.1% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the EBIT return on assets of Pioneer Bankcorp Inc (PBKC)?
On an EBIT basis the return on assets of Pioneer Bankcorp Inc is 1.4% (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.
How much net cash does Pioneer Bankcorp Inc (PBKC) hold?
Pioneer Bankcorp Inc holds more cash than debt, $53.8M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Broad data
Sep 23, 2026