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PBFS Valuation

Pioneer Bancorp Inc
$
12.550
0(0.000%)1D
  • Overview
  • Forecast
  • Valuation
  • Earnings

PBFS Relative Valuation

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. If the market price exceeds this fair value range, PBFS is overvalued; if below, it's undervalued.
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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
-
Current Price:12.55
Fair
0.00
PE
1Y
3Y
5Y
Trailing
Forward
0.00
EV/EBITDA
Pioneer Bancorp Inc. (PBFS) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.
0.00
EV/EBIT
Pioneer Bancorp Inc. (PBFS) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.
0.00
PS
Pioneer Bancorp Inc. (PBFS) has a current PS of 0.00. The 5-year average PS is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward PS of 0.00 falls within the Strongly Undervalued range.
0.00
P/OCF
Pioneer Bancorp Inc. (PBFS) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.
0.00
P/FCF
Pioneer Bancorp Inc. (PBFS) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.
Pioneer Bancorp Inc (PBFS) has a current Price-to-Book (P/B) ratio of 0.99. Compared to its 3-year average P/B ratio of 0.93 , the current P/B ratio is approximately 6.61% higher. Relative to its 5-year average P/B ratio of 1.03, the current P/B ratio is about -3.67% higher. Pioneer Bancorp Inc (PBFS) has a Forward Free Cash Flow (FCF) yield of approximately 6.30%. Compared to its 3-year average FCF yield of 11.52%, the current FCF yield is approximately -45.32% lower. Relative to its 5-year average FCF yield of 10.38% , the current FCF yield is about -39.35% lower.
0.99
P/B
Median3y
0.93
Median5y
1.03
6.30
FCF Yield
Median3y
11.52
Median5y
10.38
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Competitors Valuation Multiple

The average P/S ratio for PBFS's competitors is 2.38, 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 67.20%, this premium appears sustainable.
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Performance Decomposition

1Y
3Y
5Y
Market capitalization of PBFS increased by 14.09% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 13.66M to 22.84M.
The secondary factor is the Margin Expansion, contributed 20.88%to the performance.
Overall, the performance of PBFS in the past 1 year is driven by Revenue Growth. Which is more sustainable.
67.20%
13.66M → 22.84M
Revenue Growth
+
20.88%
23.37 → 28.25
Margin Expansion
+
-73.99%
53.02 → 13.79
P/E Change
=
14.09%
11.00 → 12.55
Mkt Cap Growth

FAQ

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Is Pioneer Bancorp Inc (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.
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What is Pioneer Bancorp Inc (PBFS) fair value?

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How does PBFS's valuation metrics compare to the industry average?

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What is the current P/B ratio for Pioneer Bancorp Inc (PBFS) as of Aug 18 2025?

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What is the current FCF Yield for Pioneer Bancorp Inc (PBFS) as of Aug 18 2025?

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What is the current Forward P/E ratio for Pioneer Bancorp Inc (PBFS) as of Aug 18 2025?

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What is the current Forward P/S ratio for Pioneer Bancorp Inc (PBFS) as of Aug 18 2025?