Pioneer Bancorp Inc (PBFS) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Pioneer Bancorp Inc stock (PBFS) is currently trading at $13.77. Pioneer Bancorp Inc PE ratio is 16.92. Pioneer Bancorp Inc PS ratio (Price-to-Sales) is 3.80. WallStSmart rates PBFS as Hold.
- PBFS PE ratio analysis and historical PE chart
- PBFS PS ratio (Price-to-Sales) history and trend
- PBFS intrinsic value — DCF, Graham Number, EPV models
- PBFS stock price prediction 2025 2026 2027 2028 2029 2030
- PBFS fair value vs current price
- PBFS insider transactions and insider buying
- Is PBFS undervalued or overvalued?
- Pioneer Bancorp Inc financial analysis — revenue, earnings, cash flow
- PBFS Piotroski F-Score and Altman Z-Score
- PBFS analyst price target and Smart Rating
Pioneer Bancorp Inc
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PBFS Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Pioneer Bancorp Inc (PBFS)
PBFS trades at a significant discount to its Graham intrinsic value of $27.95, offering a 48% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Pioneer Bancorp Inc (PBFS) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, profit margin. Concerns around return on equity. Fundamentals are solid but monitor weak areas for improvement.
Pioneer Bancorp Inc (PBFS) Key Strengths (3)
Keeps $31 of every $100 in revenue after operating costs
Keeps $22 of every $100 in revenue as net profit
Trading at 1.02x book value, attractively priced
Pioneer Bancorp Inc (PBFS) Areas to Watch (6)
Low profitability relative to shareholder equity
Low institutional interest, mostly retail-driven
Small-cap company with higher risk but more growth potential
Revenue is fairly priced at 3.80x sales
Solid revenue growth at 15.70% per year
Solid earnings growth at 16.80%
Pioneer Bancorp Inc (PBFS) Detailed Analysis Report
Overall Assessment
This company scores 59/100 in our Smart Analysis, earning a C grade. Out of 9 metrics analyzed, 3 register as strengths (avg 9.3/10) while 6 fall into concern territory (avg 5.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Price/Book. Valuation metrics including Price/Book (1.02) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 30.90%, Profit Margin at 21.90%.
The Bear Case
The primary concerns are Return on Equity, Institutional Own., Market Cap. Some valuation metrics including Price/Sales (3.80) suggest expensive pricing. Growth concerns include Revenue Growth at 15.70%, EPS Growth at 16.80%, which may limit upside. Profitability pressure is visible in Return on Equity at 6.46%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 6.46% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 15.70% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (Return on Equity, Institutional Own.). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
PBFS Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
PBFS's Price-to-Sales ratio of 3.80x sits near its historical average of 3.86x (49th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 31% below its historical high of 5.55x set in Dec 2019, and 47% above its historical low of 2.59x in Oct 2023. Over the past 12 months, the PS ratio has expanded from ~2.9x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for Pioneer Bancorp Inc (PBFS) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Pioneer Bancorp Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 93M with 16% growth year-over-year. Profit margins are strong at 21.9%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 21.9% and operating margin of 30.9% demonstrate strong pricing power and operational efficiency.
Generating 5M in free cash flow and 6M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Pioneer Bancorp Inc.
Bottom Line
Pioneer Bancorp Inc offers an attractive blend of growth (16% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Pioneer Bancorp Inc(PBFS)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Pioneer Bancorp, Inc. is a portfolio company of Pioneer Savings Bank offering various banking products and services in New York.