PBFS vs. CRAI
PBFS (Pioneer Bancorp, Inc.) and CRAI (CRA International, Inc.) are both stocks. PBFS operates in Banks - Regional (Financial Services), while CRAI operates in Consulting Services (Industrials). Over the past 5 years, PBFS returned 5.77%/yr vs 12.37%/yr for CRAI. At a 0.27 correlation, their price movements are largely independent.
Performance
PBFS vs. CRAI - Performance Comparison
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Returns By Period
In the year-to-date period, PBFS achieves a 17.36% return, which is significantly higher than CRAI's -28.96% return.
PBFS
- 1D
- -5.78%
- 1M
- 11.25%
- YTD
- 17.36%
- 6M
- 17.36%
- 1Y
- 37.80%
- 3Y*
- 19.93%
- 5Y*
- 5.77%
- 10Y*
- —
CRAI
- 1D
- -1.62%
- 1M
- -12.94%
- YTD
- -28.96%
- 6M
- -23.62%
- 1Y
- -23.08%
- 3Y*
- 15.07%
- 5Y*
- 12.37%
- 10Y*
- 21.19%
PBFS vs. CRAI - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|---|---|---|
PBFS Pioneer Bancorp, Inc. | 17.36% | 17.01% | 15.08% | -12.19% | 0.71% | 7.10% | -30.96% | 3.80% |
CRAI CRA International, Inc. | -28.96% | 8.68% | 91.38% | -18.07% | 32.94% | 85.67% | -4.47% | 42.58% |
Correlation
The correlation between PBFS and CRAI is 0.24, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.24 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.21 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.22 |
Correlation (All Time) Calculated using the full available price history since Jul 19, 2019 | 0.27 |
Fundamentals
PBFS:
$385.11M
CRAI:
$932.53M
PBFS:
$0.81
CRAI:
$7.21
PBFS:
19.53
CRAI:
19.64
PBFS:
0.08
CRAI:
1.79
PBFS:
2.99
CRAI:
1.22
PBFS:
1.17
CRAI:
4.70
PBFS:
$129.33M
CRAI:
$770.71M
PBFS:
$94.41M
CRAI:
$156.66M
PBFS:
$25.37M
CRAI:
$95.16M
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Return for Risk
PBFS vs. CRAI — Risk / Return Rank
PBFS
CRAI
PBFS vs. CRAI - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Pioneer Bancorp, Inc. (PBFS) and CRA International, Inc. (CRAI). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
| PBFS | CRAI | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +2.18 | ||
| Sortino ratioReturn per unit of downside risk | +3.01 | ||
| Omega ratioGain probability vs. loss probability | 1.29 | 0.91 | +0.37 |
| Calmar ratioReturn relative to maximum drawdown | 3.65 | -0.61 | +4.26 |
| Martin ratioReturn relative to average drawdown | 8.90 | -1.25 | +10.15 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| PBFS | CRAI | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.55 | -0.63 | +2.18 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.21 | 0.36 | -0.15 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | — | 0.55 | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.03 | 0.16 | -0.13 |
Drawdowns
PBFS vs. CRAI - Drawdown Comparison
The maximum PBFS drawdown since its inception was -48.33%, smaller than the maximum CRAI drawdown of -76.40%. Use the drawdown chart below to compare losses from any high point for PBFS and CRAI.
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Drawdown Indicators
| PBFS | CRAI | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -48.33% | -76.40% | +28.07% |
Max Drawdown (1Y)Largest decline over 1 year | -10.40% | -38.12% | +27.72% |
Max Drawdown (3Y)Largest decline over 3 years | -20.74% | -38.12% | +17.38% |
Max Drawdown (5Y)Largest decline over 5 years | -39.89% | -38.12% | -1.77% |
Max Drawdown (10Y)Largest decline over 10 years | — | -60.74% | — |
Current DrawdownCurrent decline from peak | -5.78% | -36.16% | +30.38% |
Average DrawdownAverage peak-to-trough decline | -26.66% | -33.47% | +6.81% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 4.26% | 18.47% | -14.21% |
Volatility
PBFS vs. CRAI - Volatility Comparison
The current volatility for Pioneer Bancorp, Inc. (PBFS) is 12.09%, while CRA International, Inc. (CRAI) has a volatility of 17.00%. This indicates that PBFS experiences smaller price fluctuations and is considered to be less risky than CRAI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| PBFS | CRAI | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 12.09% | 17.00% | -4.91% |
Volatility (6M)Calculated over the trailing 6-month period | 19.96% | 30.92% | -10.96% |
Volatility (1Y)Calculated over the trailing 1-year period | 24.51% | 37.07% | -12.56% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 27.51% | 34.69% | -7.18% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 34.34% | 38.73% | -4.39% |
Dividends
PBFS vs. CRAI - Dividend Comparison
PBFS has not paid dividends to shareholders, while CRAI's dividend yield for the trailing twelve months is around 1.90%.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
CRAI CRA International, Inc. | 1.90% | 1.26% | 0.93% | 1.52% | 1.05% | 1.17% | 1.87% | 1.52% | 1.67% | 1.31% | 0.38% |
PBFS Pioneer Bancorp, Inc. | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Financials
PBFS vs. CRAI - Financials Comparison
This section allows you to compare key financial metrics between Pioneer Bancorp, Inc. and CRA International, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
PBFS vs. CRAI - Profitability Comparison
PBFS - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Pioneer Bancorp, Inc. reported a gross profit of 23.83M and revenue of 32.23M. Therefore, the gross margin over that period was 73.9%.
CRAI - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, CRA International, Inc. reported a gross profit of 0.00 and revenue of 200.98M. Therefore, the gross margin over that period was 0.0%.
PBFS - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Pioneer Bancorp, Inc. reported an operating income of 5.71M and revenue of 32.23M, resulting in an operating margin of 17.7%.
CRAI - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, CRA International, Inc. reported an operating income of 18.03M and revenue of 200.98M, resulting in an operating margin of 9.0%.
PBFS - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Pioneer Bancorp, Inc. reported a net income of 5.29M and revenue of 32.23M, resulting in a net margin of 16.4%.
CRAI - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, CRA International, Inc. reported a net income of 11.13M and revenue of 200.98M, resulting in a net margin of 5.5%.
Frequently Asked Questions
PBFS and CRAI have a correlation of 0.24, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
CRAI has higher volatility (17.00%) compared to PBFS (12.09%). In terms of maximum drawdown, PBFS dropped -48.33% vs CRAI's -76.40%.
PBFS currently has the higher Sharpe Ratio (1.55 vs -0.63), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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