Pioneer Bancorp, Inc. (PBFS)

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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.

Pioneer Bancorp, Inc. (PBFS) has returned 3.26% so far this year and 18.87% over the past 12 months.

Based on dividend-adjusted daily data since Jul 18, 2019, PBFS's average daily return is +0.02%, while the average monthly return is +0.16%. At this rate, your investment would double in approximately 36.1 years.

Historically, 48% of months were positive and 52% 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 46% 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%.

Pioneer Bancorp, Inc. has an annualized alpha of -3.72%, 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 68.47% of S&P 500 Index downside but only 30.01% 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.

PBFS ranks 69 for risk / return — better than 69% of stocks on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.

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

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.

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 9.08%.

The chart below shows the rolling one-month volatility.

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.

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.