Historical Valuation
Pioneer Bancorp Inc (PBFS) is now in the Fair zone, suggesting that its current forward PS ratio of 0.00 is considered Fairly compared with the five-year average of 0.00. The fair price of Pioneer Bancorp Inc (PBFS) is between -- to -- according to relative valuation methord.
Relative Value
Fair Zone
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Current Price：13.38
Fair
P/E
EV/EBITDA
EV/EBIT
P/S
P/OCF
P/FCF
1Y
3Y
5Y
Trailing
Forward
Pioneer Bancorp Inc (PBFS) has a current Price-to-Book (P/B) ratio of 1.03. Compared to its 3-year average P/B ratio of 0.93 , the current P/B ratio is approximately 11.72% higher. Relative to its 5-year average P/B ratio of 1.03, the current P/B ratio is about 0.46% higher. Pioneer Bancorp Inc (PBFS) has a Forward Free Cash Flow (FCF) yield of approximately 6.68%. Compared to its 3-year average FCF yield of 9.85%, the current FCF yield is approximately -32.16% lower. Relative to its 5-year average FCF yield of 10.95% , the current FCF yield is about -38.97% lower.
P/B
Median3y
0.93
Median5y
1.03
FCF Yield
Median3y
9.85
Median5y
10.95
Competitors Valuation Multiple
AI Analysis for PBFS
The average P/S ratio for PBFS competitors is 2.20, providing a benchmark for relative valuation. Pioneer Bancorp Inc Corp (PBFS.O) exhibits a P/S ratio of 0.00, which is -100% above the industry average. Given its robust revenue growth of 12.07%, this premium appears unsustainable.
Performance Decomposition
AI Analysis for PBFS
1Y
3Y
5Y
Market capitalization of PBFS increased by 0.00% over the past 1 year. The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.
The secondary factor is the Unknown, contributed 0.00%to the performance.
Overall, the performance of PBFS in the past 1 year is driven by Unknown.
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Frequently Asked Questions
Is PBFS currently overvalued or undervalued?
Pioneer Bancorp Inc (PBFS) is now in the Fair zone, suggesting that its current forward PS ratio of 0.00 is considered Fairly compared with the five-year average of 0.00. The fair price of Pioneer Bancorp Inc (PBFS) is between to according to relative valuation methord.
What is Pioneer Bancorp Inc (PBFS) fair value?
PBFS's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of Pioneer Bancorp Inc (PBFS) is between to according to relative valuation methord.
How does PBFS's valuation metrics compare to the industry average?
The average P/S ratio for PBFS's competitors is 2.20, providing a benchmark for relative valuation. Pioneer Bancorp Inc Corp (PBFS) exhibits a P/S ratio of 0.00, which is -100.00% above the industry average. Given its robust revenue growth of 12.07%, this premium appears unsustainable.
What is the current P/B ratio for Pioneer Bancorp Inc (PBFS) as of Jan 11 2026?
As of Jan 11 2026, Pioneer Bancorp Inc (PBFS) has a P/B ratio of 1.03. This indicates that the market values PBFS at 1.03 times its book value.
What is the current FCF Yield for Pioneer Bancorp Inc (PBFS) as of Jan 11 2026?
As of Jan 11 2026, Pioneer Bancorp Inc (PBFS) has a FCF Yield of 6.68%. This means that for every dollar of Pioneer Bancorp Inc’s market capitalization, the company generates 6.68 cents in free cash flow.
What is the current Forward P/E ratio for Pioneer Bancorp Inc (PBFS) as of Jan 11 2026?
As of Jan 11 2026, Pioneer Bancorp Inc (PBFS) has a Forward P/E ratio of 0.00. This means the market is willing to pay $0.00 for every dollar of Pioneer Bancorp Inc’s expected earnings over the next 12 months.
What is the current Forward P/S ratio for Pioneer Bancorp Inc (PBFS) as of Jan 11 2026?
As of Jan 11 2026, Pioneer Bancorp Inc (PBFS) has a Forward P/S ratio of 0.00. This means the market is valuing PBFS at $0.00 for every dollar of expected revenue over the next 12 months.