Pioneer Bancorp Key Fundamental Indicators
| PBFS Stock | USD 14.59 0.07 0.48% |
As of the 16th of February 2026, Pioneer Bancorp holds the Semi Deviation of 1.23, coefficient of variation of 825.61, and Risk Adjusted Performance of 0.1026. Compared to fundamental indicators, the technical analysis model allows you to check existing technical drivers of Pioneer Bancorp, as well as the relationship between them. Please check Pioneer Bancorp variance, value at risk, as well as the relationship between the Value At Risk and skewness to decide if Pioneer Bancorp is priced some-what accurately, providing market reflects its current price of 14.59 per share. Given that Pioneer Bancorp has jensen alpha of 0.1929, we recommend you to check out Pioneer Bancorp's recent market performance to make sure the company can sustain itself at a future point.
Pioneer Bancorp's financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing Pioneer Bancorp's valuation are provided below:Pioneer Bancorp does not presently have any trending fundamental ratios for analysis. This module does not cover all equities due to inconsistencies in global equity categorizations. Continue to Equity Screeners to view more equity screening tools. Is there potential for Regional Banks market expansion? Will Pioneer introduce new products? Factors like these will boost the valuation of Pioneer Bancorp. Anticipated expansion of Pioneer directly elevates investor willingness to pay premium valuations. Understanding fair value requires weighing current performance against future potential. All the valuation information about Pioneer Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Investors evaluate Pioneer Bancorp using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating Pioneer Bancorp's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Analysts utilize numerous techniques to assess fundamental value, seeking to purchase shares when trading prices fall beneath estimated intrinsic worth. External factors like market trends, sector rotation, and investor psychology can cause Pioneer Bancorp's market price to deviate significantly from intrinsic value.
It's important to distinguish between Pioneer Bancorp's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Pioneer Bancorp should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Conversely, Pioneer Bancorp's market price signifies the transaction level at which participants voluntarily complete trades.
Pioneer Bancorp 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Pioneer Bancorp's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Pioneer Bancorp.
| 11/18/2025 |
| 02/16/2026 |
If you would invest 0.00 in Pioneer Bancorp on November 18, 2025 and sell it all today you would earn a total of 0.00 from holding Pioneer Bancorp or generate 0.0% return on investment in Pioneer Bancorp over 90 days. Pioneer Bancorp is related to or competes with Orange County, Ponce Financial, RBB Bancorp, MVB Financial, Farmers Merchants, US Century, and Bankwell Financial. Pioneer Bancorp, Inc. operates as a holding company for Pioneer Bank that provides various banking products and services... More
Pioneer Bancorp Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Pioneer Bancorp's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Pioneer Bancorp upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.39 | |||
| Information Ratio | 0.0765 | |||
| Maximum Drawdown | 8.41 | |||
| Value At Risk | (1.84) | |||
| Potential Upside | 2.92 |
Pioneer Bancorp Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Pioneer Bancorp's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Pioneer Bancorp's standard deviation. In reality, there are many statistical measures that can use Pioneer Bancorp historical prices to predict the future Pioneer Bancorp's volatility.| Risk Adjusted Performance | 0.1026 | |||
| Jensen Alpha | 0.1929 | |||
| Total Risk Alpha | 0.0634 | |||
| Sortino Ratio | 0.0862 | |||
| Treynor Ratio | (0.82) |
Pioneer Bancorp February 16, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.1026 | |||
| Market Risk Adjusted Performance | (0.81) | |||
| Mean Deviation | 1.18 | |||
| Semi Deviation | 1.23 | |||
| Downside Deviation | 1.39 | |||
| Coefficient Of Variation | 825.61 | |||
| Standard Deviation | 1.57 | |||
| Variance | 2.46 | |||
| Information Ratio | 0.0765 | |||
| Jensen Alpha | 0.1929 | |||
| Total Risk Alpha | 0.0634 | |||
| Sortino Ratio | 0.0862 | |||
| Treynor Ratio | (0.82) | |||
| Maximum Drawdown | 8.41 | |||
| Value At Risk | (1.84) | |||
| Potential Upside | 2.92 | |||
| Downside Variance | 1.93 | |||
| Semi Variance | 1.5 | |||
| Expected Short fall | (1.41) | |||
| Skewness | 0.1677 | |||
| Kurtosis | 0.9872 |
Pioneer Bancorp Backtested Returns
Currently, Pioneer Bancorp is very steady. Pioneer Bancorp maintains Sharpe Ratio (i.e., Efficiency) of 0.12, which implies the firm had a 0.12 % return per unit of risk over the last 3 months. We have found twenty-nine technical indicators for Pioneer Bancorp, which you can use to evaluate the volatility of the company. Please check Pioneer Bancorp's Risk Adjusted Performance of 0.1026, semi deviation of 1.23, and Coefficient Of Variation of 825.61 to confirm if the risk estimate we provide is consistent with the expected return of 0.19%. Pioneer Bancorp has a performance score of 9 on a scale of 0 to 100. The company holds a Beta of -0.22, which implies not very significant fluctuations relative to the market. As returns on the market increase, returns on owning Pioneer Bancorp are expected to decrease at a much lower rate. During the bear market, Pioneer Bancorp is likely to outperform the market. Pioneer Bancorp right now holds a risk of 1.57%. Please check Pioneer Bancorp value at risk, as well as the relationship between the skewness and day median price , to decide if Pioneer Bancorp will be following its historical price patterns.
Auto-correlation | 0.44 |
Average predictability
Pioneer Bancorp has average predictability. Overlapping area represents the amount of predictability between Pioneer Bancorp time series from 18th of November 2025 to 2nd of January 2026 and 2nd of January 2026 to 16th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Pioneer Bancorp price movement. The serial correlation of 0.44 indicates that just about 44.0% of current Pioneer Bancorp price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.44 | |
| Spearman Rank Test | 0.53 | |
| Residual Average | 0.0 | |
| Price Variance | 0.32 |
For most industries, Return on Equity between 10% and 30% are considered desirable to provide dividends to owners and have funds for the future growth of the company. Investors should be very careful using ROE as the only efficiency indicator because ROE can be high if a company is heavily leveraged.
| Competition |
Based on the latest financial disclosure, Pioneer Bancorp has a Return On Equity of 0.0656. This is 95.48% lower than that of the Banks sector and significantly higher than that of the Financials industry. The return on equity for all United States stocks is 121.16% lower than that of the firm.
Pioneer Bancorp Fundamental Drivers Relationships
Comparative valuation techniques use various fundamental indicators to help in determining Pioneer Bancorp's current stock value. Our valuation model uses many indicators to compare Pioneer Bancorp value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Pioneer Bancorp competition to find correlations between indicators driving Pioneer Bancorp's intrinsic value. More Info.Pioneer Bancorp is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about 0.14 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Pioneer Bancorp is roughly 7.21 . Comparative valuation analysis is a catch-all technique that is used if you cannot value Pioneer Bancorp by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.Pioneer Return On Equity Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Pioneer Bancorp's direct or indirect competition against its Return On Equity to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Pioneer Bancorp could also be used in its relative valuation, which is a method of valuing Pioneer Bancorp by comparing valuation metrics of similar companies.Pioneer Bancorp is currently under evaluation in return on equity category among its peers.
Pioneer Fundamentals
| Return On Equity | 0.0656 | ||||
| Return On Asset | 0.0091 | ||||
| Profit Margin | 0.22 % | ||||
| Operating Margin | 0.22 % | ||||
| Current Valuation | 134.93 M | ||||
| Shares Outstanding | 25.08 M | ||||
| Shares Owned By Insiders | 58.83 % | ||||
| Shares Owned By Institutions | 23.51 % | ||||
| Number Of Shares Shorted | 83.71 K | ||||
| Price To Earning | 380.00 X | ||||
| Price To Book | 1.15 X | ||||
| Price To Sales | 3.99 X | ||||
| Revenue | 88.12 M | ||||
| Gross Profit | 92.59 M | ||||
| EBITDA | 22 M | ||||
| Net Income | 19.2 M | ||||
| Cash And Equivalents | 376.28 M | ||||
| Cash Per Share | 14.96 X | ||||
| Total Debt | 40 M | ||||
| Debt To Equity | 11.77 % | ||||
| Book Value Per Share | 12.87 X | ||||
| Cash Flow From Operations | 33.71 M | ||||
| Short Ratio | 8.61 X | ||||
| Earnings Per Share | 0.83 X | ||||
| Number Of Employees | 269 | ||||
| Beta | 0.45 | ||||
| Market Capitalization | 369.24 M | ||||
| Total Asset | 2.1 B | ||||
| Retained Earnings | 201.38 M | ||||
| Net Asset | 2.1 B |
About Pioneer Bancorp Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Pioneer Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Pioneer Bancorp using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Pioneer Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.Pioneer Bancorp, Inc. operates as a holding company for Pioneer Bank that provides various banking products and services in New York. Pioneer Bancorp, Inc. is a subsidiary of Pioneer Bancorp, MHC. Pioneer Bancorp operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 244 people.
Thematic Opportunities
Explore Investment Opportunities
Additional Tools for Pioneer Stock Analysis
When running Pioneer Bancorp's price analysis, check to measure Pioneer Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Pioneer Bancorp is operating at the current time. Most of Pioneer Bancorp's value examination focuses on studying past and present price action to predict the probability of Pioneer Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Pioneer Bancorp's price. Additionally, you may evaluate how the addition of Pioneer Bancorp to your portfolios can decrease your overall portfolio volatility.