# Pioneer Bancorp Inc. (PBFS) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $18.54, market value $448 million.

## Valuation
- **P/E (trailing): 26.5×** (5-yr avg 73.5×, 3-yr avg 14.3×). Pioneer Bancorp Inc. trades at 26.5× trailing earnings, well below its own five-year average of 73.5×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×.
- **Price / sales: 27.5×**. Each dollar of revenue is priced at 27.5×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 1.4×**. The shares trade at 1.4× book value; book value is a meaningful part of the valuation.
- **Earnings yield: 3.8%**. The inverse of the P/E: 3.8% of the price is earned each year.

## Profitability
- **Net margin: 128.3%**. 128.3% of each dollar of sales reaches the bottom line.
- **Return on equity: 6.3%**. 6.3% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 0.8%**. Each dollar of assets produces 0.8% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 5.8%** (3-yr 6.1%/yr, 5-yr 4.7%/yr). Revenue grew 5.8% over the last year, against 4.7% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 36.1%** (3-yr 26.5%/yr, 5-yr 31.6%/yr). Earnings per share rose 36.1%, faster than revenue, so margins expanded or the share count shrank.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.

## Dividends
- **Dividend: none**. Pioneer Bancorp Inc. does not currently pay a dividend.

## Price and momentum
- **Total return (1 yr): 40.5%** (YTD 37.5%, 3-mo 14.4%). The shares are up 40.5% over twelve months including dividends.
- **From 52-week high: -4.5%** (46.7% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 69**. An RSI of 69 is neutral.
- **Beta (1 yr): 0.36** (volatility 24%). Beta of 0.36 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=PBFS · Page: https://foliofundamentals.com/stocks/pbfs

Not investment advice.