PBFS vs. RL
PBFS (Pioneer Bancorp, Inc.) and RL (Ralph Lauren Corporation) are both stocks. PBFS operates in Banks - Regional (Financial Services), while RL operates in Apparel Manufacturing (Consumer Cyclical). Over the past 5 years, PBFS returned 8.28%/yr vs 29.95%/yr for RL. Their 0.29 correlation means their historical movements had little consistent relationship.
Performance
PBFS vs. RL - Performance Comparison
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Returns By Period
In the year-to-date period, PBFS achieves a 27.74% return, which is significantly higher than RL's 8.12% return.
PBFS
- 1D
- -2.33%
- 1M
- -0.40%
- 6M
- 21.70%
- YTD
- 27.74%
- 1Y
- 40.00%
- 3Y*
- 20.59%
- 5Y*
- 8.28%
- 10Y*
- —
- ALL TIME*
- 2.89%
RL
- 1D
- -1.44%
- 1M
- -4.49%
- 6M
- 8.18%
- YTD
- 8.12%
- 1Y
- 30.86%
- 3Y*
- 44.57%
- 5Y*
- 29.95%
- 10Y*
- 17.34%
- ALL TIME*
- 9.95%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $200.59K | $188.84K | $325.10K | |
| $177.30M | $209.97M | $261.41M |
PBFS vs. RL - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|---|---|---|
PBFS Pioneer Bancorp, Inc. | 27.74% | 17.01% | 15.08% | -12.19% | 0.71% | 7.10% | -30.96% | 8.66% |
RL Ralph Lauren Corporation | 8.12% | 55.03% | 62.85% | 39.82% | -8.41% | 16.66% | -10.63% | 7.20% |
Correlation
The correlation between PBFS and RL is 0.22, which is low. Their historical price movements had little consistent relationship.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.22 |
Correlation (3Y) Balances recent behavior with more history. | 0.20 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.25 |
Correlation (All Time) Calculated using the full available price history since Jul 18, 2019 | 0.29 |
Fundamentals
PBFS:
$431.82M
RL:
$23.20B
PBFS:
$0.81
RL:
$15.09
PBFS:
21.22
RL:
25.21
PBFS:
0.09
RL:
1.40
PBFS:
3.25
RL:
2.92
PBFS:
1.28
RL:
8.34
PBFS:
$129.33M
RL:
$8.11B
PBFS:
$94.41M
RL:
$5.67B
PBFS:
$25.37M
RL:
$1.18B
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Return for Risk
PBFS vs. RL — Risk / Return Rank
PBFS
RL
PBFS vs. RL - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Pioneer Bancorp, Inc. (PBFS) and Ralph Lauren Corporation (RL). 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 | RL | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.85 | ||
| Sortino ratioReturn per unit of downside risk | +1.08 | ||
| Omega ratioGain probability vs. loss probability | 1.31 | 1.16 | +0.15 |
| Calmar ratioReturn relative to maximum drawdown | 3.90 | 1.63 | +2.27 |
| Martin ratioReturn relative to average drawdown | 9.49 | 4.84 | +4.65 |
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Drawdowns
PBFS vs. RL - Drawdown Comparison
The maximum PBFS drawdown since its inception was -48.33%, smaller than the maximum RL drawdown of -68.62%. Use the drawdown chart below to compare losses from any high point for PBFS and RL.
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Drawdown Indicators
| PBFS | RL | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -48.33% | -68.62% | +20.29% |
Max Drawdown (1Y)Largest decline over 1 year | -10.40% | -17.67% | +7.27% |
Max Drawdown (3Y)Largest decline over 3 years | -19.34% | -36.18% | +16.84% |
Max Drawdown (5Y)Largest decline over 5 years | -39.89% | -36.51% | -3.38% |
Max Drawdown (10Y)Largest decline over 10 years | — | -55.14% | — |
Current DrawdownCurrent decline from peak | -4.44% | -7.96% | +3.52% |
Average DrawdownAverage peak-to-trough decline | -26.07% | -24.02% | -2.05% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 4.26% | 5.94% | -1.68% |
Volatility
PBFS vs. RL - Volatility Comparison
The current volatility for Pioneer Bancorp, Inc. (PBFS) is 6.40%, while Ralph Lauren Corporation (RL) has a volatility of 10.54%. This indicates that PBFS experiences smaller price fluctuations and is considered to be less risky than RL based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| PBFS | RL | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 6.40% | 10.54% | -4.14% |
Volatility (6M)Calculated over the trailing 6-month period | 19.15% | 28.79% | -9.64% |
Volatility (1Y)Calculated over the trailing 1-year period | 24.45% | 35.67% | -11.22% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 27.42% | 37.12% | -9.70% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 34.15% | 38.74% | -4.59% |
Dividends
PBFS vs. RL - Dividend Comparison
PBFS has not paid dividends to shareholders, while RL's dividend yield for the trailing twelve months is around 0.98%.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
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% |
RL Ralph Lauren Corporation | 0.98% | 1.01% | 1.40% | 2.08% | 2.78% | 1.74% | 0.66% | 2.29% | 2.30% | 1.93% | 2.21% | 1.79% |
Financials
PBFS vs. RL - Financials Comparison
This section allows you to compare key financial metrics between Pioneer Bancorp, Inc. and Ralph Lauren Corporation. 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. RL - Profitability Comparison
PBFS - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 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%.
RL - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, Ralph Lauren Corporation reported a gross profit of 1.38B and revenue of 1.98B. Therefore, the gross margin over that period was 69.7%.
PBFS - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, Pioneer Bancorp, Inc. reported an operating income of 5.71M and revenue of 32.23M, resulting in an operating margin of 17.7%.
RL - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, Ralph Lauren Corporation reported an operating income of 156.80M and revenue of 1.98B, resulting in an operating margin of 7.9%.
PBFS - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, Pioneer Bancorp, Inc. reported a net income of 5.29M and revenue of 32.23M, resulting in a net margin of 16.4%.
RL - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, Ralph Lauren Corporation reported a net income of 151.60M and revenue of 1.98B, resulting in a net margin of 7.7%.
Frequently Asked Questions
PBFS and RL 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.
RL has higher volatility (10.54%) compared to PBFS (6.40%). In terms of maximum drawdown, PBFS dropped -48.33% vs RL's -68.62%.
PBFS currently has the higher Sharpe Ratio (1.66 vs 0.81), 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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