- ISIN
- US7235611065
- CUSIP
- 723561106
- Sector
- Financial Services
- Industry
- Banks - Regional
- 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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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%
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%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 4.97% | -0.28% | -1.35% | 2.23% | 4.92% | 5.96% | 17.36% | ||||||
| 2025 | 0.52% | 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% |
| 2022 | 2.12% | -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
- R²
- 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.
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.
| PBFS | Benchmark | Difference | |
|---|---|---|---|
| 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 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Dividends
Dividend History
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 10mo | 2y 6mo | 6y 5moJan 2020 - Jun 2026 |
2019 correction2019 | -17.99%Oct 2019 | 19d | 2mo 27d | 3mo 16dSep 2019 - Dec 2019 |
2026 pullback2026 | -5.78%Jun 2026 | 0s | — | 1d 12hJun 2026 - now |
2019 pullback2019 | -5.29%Aug 2019 | 26d | 26d | 1mo 22dJul 2019 - Sep 2019 |
2019 pullback2019 | -0.40%Dec 2019 | 0s | 1d | 1dDec 2019 - Dec 2019 |
Drawdown Indicators
| PBFS | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest 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 DrawdownCurrent decline from peak | -5.78% | -0.74% | -5.04% |
Average DrawdownAverage peak-to-trough decline | -26.66% | -10.72% | -15.94% |
Ulcer IndexDepth 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.
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 | — |
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