PBFS vs. DDS
PBFS (Pioneer Bancorp, Inc.) and DDS (Dillard's, Inc.) are both stocks. PBFS operates in Banks - Regional (Financial Services), while DDS operates in Department Stores (Consumer Cyclical). Over the past 5 years, PBFS returned 8.50%/yr vs 32.23%/yr for DDS. At a 0.27 correlation, their price movements are largely independent.
Performance
PBFS vs. DDS - Performance Comparison
Loading charts...
Returns By Period
In the year-to-date period, PBFS achieves a 30.19% return, which is significantly higher than DDS's -10.03% return.
PBFS
- 1D
- 3.30%
- 1M
- 4.34%
- 6M
- 29.71%
- YTD
- 30.19%
- 1Y
- 44.21%
- 3Y*
- 23.58%
- 5Y*
- 8.50%
- 10Y*
- —
DDS
- 1D
- 1.56%
- 1M
- -1.06%
- 6M
- -18.00%
- YTD
- -10.03%
- 1Y
- 29.11%
- 3Y*
- 25.34%
- 5Y*
- 32.23%
- 10Y*
- 27.52%
PBFS vs. DDS - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|---|---|---|
PBFS Pioneer Bancorp, Inc. | 30.19% | 17.01% | 15.08% | -12.19% | 0.71% | 7.10% | -30.96% | 8.66% |
DDS Dillard's, Inc. | -10.03% | 46.81% | 13.47% | 32.05% | 38.66% | 306.41% | -12.71% | 14.84% |
Correlation
The correlation between PBFS and DDS is 0.22, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.22 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.22 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.23 |
Correlation (All Time) Calculated using the full available price history since Jul 18, 2019 | 0.27 |
Fundamentals
PBFS:
$440.10M
DDS:
$8.51B
PBFS:
$0.81
DDS:
$42.07
PBFS:
21.63
DDS:
12.95
PBFS:
3.31
DDS:
1.29
PBFS:
1.30
DDS:
3.27
PBFS:
$129.33M
DDS:
$6.58B
PBFS:
$94.41M
DDS:
$1.82B
PBFS:
$25.37M
DDS:
$985.80M
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
Return for Risk
PBFS vs. DDS — Risk / Return Rank
PBFS
DDS
PBFS vs. DDS - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Pioneer Bancorp, Inc. (PBFS) and Dillard's, Inc. (DDS). 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.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| PBFS | DDS | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +1.10 | ||
| Sortino ratioReturn per unit of downside risk | +1.49 | ||
| Omega ratioGain probability vs. loss probability | 1.33 | 1.16 | +0.18 |
| Calmar ratioReturn relative to maximum drawdown | 4.27 | 1.08 | +3.19 |
| Martin ratioReturn relative to average drawdown | 10.37 | 2.36 | +8.01 |
Loading charts...
Drawdowns
PBFS vs. DDS - Drawdown Comparison
The maximum PBFS drawdown since its inception was -48.33%, smaller than the maximum DDS drawdown of -93.62%. Use the drawdown chart below to compare losses from any high point for PBFS and DDS.
Loading charts...
Drawdown Indicators
| PBFS | DDS | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -48.33% | -93.62% | +45.29% |
Max Drawdown (1Y)Largest decline over 1 year | -10.40% | -27.04% | +16.64% |
Max Drawdown (3Y)Largest decline over 3 years | -20.74% | -42.02% | +21.28% |
Max Drawdown (5Y)Largest decline over 5 years | -39.89% | -49.71% | +9.82% |
Max Drawdown (10Y)Largest decline over 10 years | — | -76.57% | — |
Current DrawdownCurrent decline from peak | 0.00% | -22.10% | +22.10% |
Average DrawdownAverage peak-to-trough decline | -26.23% | -35.58% | +9.35% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 4.28% | 12.35% | -8.07% |
Volatility
PBFS vs. DDS - Volatility Comparison
The current volatility for Pioneer Bancorp, Inc. (PBFS) is 6.48%, while Dillard's, Inc. (DDS) has a volatility of 11.77%. This indicates that PBFS experiences smaller price fluctuations and is considered to be less risky than DDS based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
Loading charts...
Volatility by Period
| PBFS | DDS | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 6.48% | 11.77% | -5.29% |
Volatility (6M)Calculated over the trailing 6-month period | 19.41% | 27.98% | -8.57% |
Volatility (1Y)Calculated over the trailing 1-year period | 24.32% | 40.45% | -16.13% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 27.39% | 50.32% | -22.93% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 34.21% | 59.65% | -25.44% |
Dividends
PBFS vs. DDS - Dividend Comparison
PBFS has not paid dividends to shareholders, while DDS's dividend yield for the trailing twelve months is around 5.73%.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
DDS Dillard's, Inc. | 5.73% | 5.13% | 6.02% | 5.18% | 4.89% | 6.41% | 0.95% | 0.68% | 0.66% | 0.57% | 0.45% | 0.40% |
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% | 0.00% |
Financials
PBFS vs. DDS - Financials Comparison
This section allows you to compare key financial metrics between Pioneer Bancorp, Inc. and Dillard's, 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. DDS - Profitability Comparison
PBFS - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jul 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%.
DDS - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jul 2026, Dillard's, Inc. reported a gross profit of 0.00 and revenue of 1.57B. 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 Jul 2026, Pioneer Bancorp, Inc. reported an operating income of 5.71M and revenue of 32.23M, resulting in an operating margin of 17.7%.
DDS - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jul 2026, Dillard's, Inc. reported an operating income of 0.00 and revenue of 1.57B, resulting in an operating margin of 0.0%.
PBFS - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jul 2026, Pioneer Bancorp, Inc. reported a net income of 5.29M and revenue of 32.23M, resulting in a net margin of 16.4%.
DDS - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jul 2026, Dillard's, Inc. reported a net income of 250.60M and revenue of 1.57B, resulting in a net margin of 16.0%.
Frequently Asked Questions
PBFS and DDS have a correlation of 0.22, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
DDS has higher volatility (11.77%) compared to PBFS (6.48%). In terms of maximum drawdown, PBFS dropped -48.33% vs DDS's -93.62%.
PBFS currently has the higher Sharpe Ratio (1.83 vs 0.73), 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.
Find the right allocation for PBFS and DDS
Add both to a portfolio and optimize allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
Open Portfolio Optimizer