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Pioneer Bancorp, Inc. (PBFS)
Performance
Risk-Adjusted Performance
Dividends
Drawdowns
Volatility
Financials

Company Info

ISIN

US7235611065

CUSIP

723561106

IPO Date

Jul 18, 2019

Highlights

Market Cap

$304.03M

EPS (TTM)

$0.72

PE Ratio

16.00

Total Revenue (TTM)

$78.41M

Gross Profit (TTM)

$49.26M

EBITDA (TTM)

$18.08M

Year Range

$8.97 - $12.20

Short %

0.39%

Short Ratio

2.66

Share Price Chart


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Compare to other instruments

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Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in Pioneer Bancorp, Inc., comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.


-20.00%0.00%20.00%40.00%60.00%80.00%100.00%December2025FebruaryMarchAprilMay
-23.46%
87.20%
PBFS (Pioneer Bancorp, Inc.)
Benchmark (^GSPC)

Returns By Period

Pioneer Bancorp, Inc. (PBFS) returned -2.00% year-to-date (YTD) and 28.30% over the past 12 months.


PBFS

YTD

-2.00%

1M

0.89%

6M

1.44%

1Y

28.30%

5Y*

5.06%

10Y*

N/A

^GSPC (Benchmark)

YTD

-4.67%

1M

10.50%

6M

-3.04%

1Y

8.23%

5Y*

14.30%

10Y*

10.26%

*Annualized

Monthly Returns

The table below presents the monthly returns of PBFS, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
20250.52%2.76%-1.60%-4.18%0.62%-2.00%
2024-2.60%-4.41%5.26%-9.73%12.93%0.10%11.39%-1.35%-0.27%2.10%5.18%-2.21%15.08%
2023-1.32%0.53%-12.82%-10.55%-3.17%4.80%9.83%-8.34%-5.22%-3.98%0.91%20.97%-12.19%
20222.12%-8.65%-0.38%-1.14%-2.98%-2.87%-0.92%-3.71%1.82%8.30%13.97%-2.98%0.71%
2021-1.14%3.35%7.87%0.94%3.83%-1.56%-3.74%6.22%2.85%0.16%-1.42%-9.29%7.10%
2020-4.11%-7.22%-23.79%1.93%-9.74%-4.19%-4.92%-7.59%10.45%6.53%10.15%1.44%-30.96%
2019-2.37%-2.64%-10.91%8.09%-1.63%15.29%3.80%

Risk-Adjusted Performance

Risk-Adjusted Performance Rank

With an overall rank of 82, PBFS is among the top 18% of stocks on our website when it comes to balancing risk and reward. Below is a breakdown of how it compares using common performance measures.


The Risk-Adjusted Performance Rank of PBFS is 8282
Overall Rank
The Sharpe Ratio Rank of PBFS is 8585
Sharpe Ratio Rank
The Sortino Ratio Rank of PBFS is 8282
Sortino Ratio Rank
The Omega Ratio Rank of PBFS is 7777
Omega Ratio Rank
The Calmar Ratio Rank of PBFS is 7575
Calmar Ratio Rank
The Martin Ratio Rank of PBFS is 9090
Martin Ratio Rank
The risk-adjusted ranks indicate the investment's position relative to the market. A rank closer to 100 signifies top-performing investments, while a rank closer to 0 might suggest underperformance, based on the selected ratio. The values are calculated based on the past 12 months of returns.

Risk-Adjusted Performance Indicators

The charts below present risk-adjusted performance metrics for Pioneer Bancorp, Inc. (PBFS) and compare them to a chosen benchmark (^GSPC). These indicators evaluate an investment's returns against its associated risks.


The current Pioneer Bancorp, Inc. Sharpe ratio is 1.09. This value is calculated based on the past 1 year of trading data and takes into account price changes and dividends.

Use the chart below to compare the Sharpe ratio of Pioneer Bancorp, Inc. with the selected benchmark, providing insights into the investment's historical performance in terms of risk-adjusted returns. Go to the Sharpe ratio tool for more fine-grained control over the calculation options.


Rolling 12-month Sharpe Ratio0.001.002.003.00December2025FebruaryMarchAprilMay
1.09
0.55
PBFS (Pioneer Bancorp, Inc.)
Benchmark (^GSPC)

Dividends

Dividend History


Pioneer Bancorp, Inc. doesn't pay dividends

Drawdowns

Drawdowns Chart

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.


-30.00%-25.00%-20.00%-15.00%-10.00%-5.00%0.00%December2025FebruaryMarchAprilMay
-26.26%
-8.74%
PBFS (Pioneer Bancorp, Inc.)
Benchmark (^GSPC)

Worst Drawdowns

The table below displays the maximum drawdowns of the Pioneer Bancorp, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the Pioneer Bancorp, Inc. was 48.33%, occurring on Nov 13, 2023. The portfolio has not yet recovered.

The current Pioneer Bancorp, Inc. drawdown is 26.26%.


Depth

Start

To Bottom

Bottom

To Recover

End

Total

-48.33%Jan 2, 2020974Nov 13, 2023
-17.99%Sep 12, 201914Oct 1, 201961Dec 27, 201975
-5.29%Jul 19, 201919Aug 14, 201917Sep 9, 201936
-0.4%Dec 30, 20191Dec 30, 20191Dec 31, 20192

Volatility

Volatility Chart

The current Pioneer Bancorp, Inc. volatility is 6.89%, representing the average percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.


2.00%4.00%6.00%8.00%10.00%12.00%14.00%December2025FebruaryMarchAprilMay
6.89%
11.45%
PBFS (Pioneer Bancorp, Inc.)
Benchmark (^GSPC)

Financials

Financial Performance

The chart below illustrates the trends in the financial health of Pioneer Bancorp, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.


Annual
Quarterly

0.0

Earnings Per Share

The chart presents the Earnings Per Share (EPS) performance of Pioneer Bancorp, Inc., comparing actual results with analytics estimates.


-0.100.000.100.200.3020212022202320242025
0.23
Actual
Estimate

Valuation

The Valuation section provides an overview of how Pioneer Bancorp, Inc. is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.


PE Ratio

The chart displays the Price-to-Earnings (P/E) ratio for PBFS, comparing it with other companies in the Banks - Regional industry. Currently, PBFS has a P/E ratio of 16.0. This P/E ratio is significantly higher than those of industry peers. This could indicate that the stock is overvalued or that investors expect strong future growth.

PS Ratio

This chart shows the Price-to-Sales (P/S) ratio for PBFS relative to other companies in the Banks - Regional industry. Currently, PBFS has a P/S ratio of 3.4. This P/S ratio falls within the average range for the industry, suggesting the stock is fairly valued based on its revenue.

PB Ratio

The chart illustrates the Price-to-Book (P/B) ratio for PBFS in comparison with other companies in the Banks - Regional industry. Currently, PBFS has a P/B value of 1.0. This P/B ratio is in line with the industry average, suggesting the stock is valued fairly in relation to its book value.

Income Statement



TTM
Revenue

Total Revenue

Cost Of Revenue

Gross Profit

Operating Expenses

Selling, General & Admin Expenses

R&D Expenses

Depreciation And Amortization

Total Operating Expenses

Income

Income Before Tax

Operating Income

EBITDA

EBIT

Earnings From Continuing Operations

Net Income

Income Tax Expense

Other Non-Operating Income (Expenses)

Extraordinary Items

Discontinued Operations

Effect Of Accounting Charges

Non Recurring

Minority Interest

Other Items

Interest Income

Interest Expense

Net Interest Income

Values in undefined except per share items