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ISIN
US7235611065
CUSIP
723561106
IPO Date
Jul 18, 2019

Highlights

Market Cap
$385.11M
Enterprise Value
$358.17M
EPS (TTM)
$0.81
PE Ratio
19.53
PEG Ratio
0.08
Total Revenue (TTM)
$129.33M
Gross Profit (TTM)
$94.41M
EBITDA (TTM)
$25.37M
Year Range
$11.32 - $17.04
ROA (TTM)
0.89%
ROE (TTM)
6.03%

Share Price Chart


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Performance

PBFS Performance Chart

Pioneer Bancorp, Inc. (PBFS) is up 17.4% since the beginning of the year. At $16 per share, PBFS is trading 7.2% below its 52-week high of $17. Investors who bought $1,000 worth of PBFS shares 5 years ago would now be looking at an investment worth $1,324.


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S&P 500 Index

Returns By Period

Pioneer Bancorp, Inc. (PBFS) has returned 17.36% so far this year and 37.80% over the past 12 months.


Pioneer Bancorp, Inc.

1D
-5.78%
1M
11.25%
YTD
17.36%
6M
17.36%
1Y
37.80%
3Y*
19.93%
5Y*
5.77%
10Y*

Benchmark (S&P 500 Index)

1D
-0.74%
1M
4.90%
YTD
10.35%
6M
10.28%
1Y
26.52%
3Y*
20.83%
5Y*
12.30%
10Y*
13.66%
*Multi-year figures are annualized to reflect compound growth (CAGR)

PBFS Monthly Returns History

Based on dividend-adjusted daily data since Jul 18, 2019, PBFS's average daily return is +0.03%, while the average monthly return is +0.31%. At this rate, an investment would double in approximately 18.7 years.

Historically, 50% of months were positive and 50% were negative. The best month was Dec 2023 with a return of +21.0%, while the worst month was Mar 2020 at -23.8%. The longest winning streak lasted 4 consecutive months, and the longest losing streak was 7 months.

On a daily basis, PBFS closed higher 47% of trading days. The best single day was Apr 29, 2020 with a return of +12.5%, while the worst single day was May 1, 2020 at -13.2%.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
20264.97%-0.28%-1.35%2.23%4.92%5.96%17.36%
20250.52%2.76%-1.60%-4.18%1.60%5.53%2.00%6.85%-0.38%0.61%1.22%1.35%17.01%
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%

Benchmark Metrics

Pioneer Bancorp, Inc. has an annualized alpha of -3.05%, beta of 0.64, and R2 of 0.14 versus S&P 500 Index. Calculated based on daily prices since July 19, 2019.

  • This stock participated in 63.55% of S&P 500 Index downside but only 30.60% of its upside - more exposed to losses than it benefited from rallies.
  • Beta of 0.64 may look defensive, but with R2 of 0.14 this stock is largely uncorrelated with S&P 500 Index - low beta reflects independence, not downside protection. See the Volatility section for a true picture of this stock's risk.
  • R2 of 0.14 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

Alpha
-3.05%
Beta
0.64
0.14
Upside Capture
30.60%
Downside Capture
63.55%

Return for Risk

Risk / Return Rank

PBFS ranks 83 for risk / return — in the top 83% of stocks on our site. This means strong returns relative to risk — exactly what professional investors look for. Well-suited for investors who want to maximize return per unit of risk.


PBFS Risk / Return Rank: 8383
Overall Rank
PBFS Sharpe Ratio Rank: 8383
Sharpe Ratio Rank
PBFS Sortino Ratio Rank: 8080
Sortino Ratio Rank
PBFS Omega Ratio Rank: 7878
Omega Ratio Rank
PBFS Calmar Ratio Rank: 8787
Calmar Ratio Rank
PBFS Martin Ratio Rank: 8585
Martin Ratio Rank
The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

Return / Risk — by metrics

The table below present risk-adjusted performance metrics for Pioneer Bancorp, Inc. (PBFS) and compare them to S&P 500 Index.


PBFSBenchmarkDifference
Sharpe ratioReturn per unit of total volatility

-0.69

Sortino ratioReturn per unit of downside risk

-0.75

Omega ratioGain probability vs. loss probability

1.29

1.41

-0.12

Calmar ratioReturn relative to maximum drawdown

3.65

2.93

+0.72

Martin ratioReturn relative to average drawdown

8.90

13.52

-4.63

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.


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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. Recovery took 637 trading sessions.

The current Pioneer Bancorp, Inc. drawdown is 5.78%.


Related event

Drawdown

Fall

Recovery

Underwater

2023 bear market2023
-48.33%Nov 2023
3y 10mo2y 6mo
6y 5moJan 2020 - Jun 2026
2019 correction2019
-17.99%Oct 2019
19d2mo 27d
3mo 16dSep 2019 - Dec 2019
2026 pullback2026
-5.78%Jun 2026
0s
1d 5hJun 2026 - now
2019 pullback2019
-5.29%Aug 2019
26d26d
1mo 22dJul 2019 - Sep 2019
2019 pullback2019
-0.40%Dec 2019
0s1d
1dDec 2019 - Dec 2019

Drawdown Indicators


PBFSBenchmarkDifference

Max Drawdown

Largest peak-to-trough decline

-48.33%

-56.78%

+8.45%

Max Drawdown (1Y)

Largest decline over 1 year

-10.40%

-9.10%

-1.30%

Max Drawdown (3Y)

Largest decline over 3 years

-20.74%

-18.90%

-1.84%

Max Drawdown (5Y)

Largest decline over 5 years

-39.89%

-25.43%

-14.46%

Max Drawdown (10Y)

Largest decline over 10 years

-33.92%

Current Drawdown

Current decline from peak

-5.78%

-0.74%

-5.04%

Average Drawdown

Average peak-to-trough decline

-26.66%

-10.72%

-15.94%

Ulcer Index

Depth and duration of drawdowns from previous peaks

4.26%

1.97%

+2.29%

Volatility

Volatility Chart

The chart below shows the rolling one-month volatility.


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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

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 19.5. 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.

PEG Ratio

The chart shows the Price/Earnings to Growth (PEG) ratio for PBFS compared to other companies in the Banks - Regional industry. PBFS currently has a PEG ratio of 0.1. This PEG ratio is low compared to industry peers, which could indicate the stock is undervalued relative to its expected 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 3.0. This P/S ratio is high relative to other companies in the industry. It could mean the stock is overvalued, or that investors expect strong future growth and profitability.

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 1.2. 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
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