Last 34 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q1 '27 | Q4 '26 | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 22.11 | 1268.57 | 30.48 | 15.82 | 22.47 | 18.14 | 11.57 | 12.73 | 22.15 | 10.97 | 15.64 | 12.91 | 19.25 | 15.25 | 12.43 | 10.27 | 11.40 | 11.90 | 26.06 | 263.00 | 11.32 |
| — | +6893.7% | +163.5% | +24.3% | +1.4% | +65.3% | -26.0% | -1.4% | +15.1% | -28.1% | +25.8% | +25.7% | +68.9% | +28.2% | -52.3% | -96.1% | +0.7% | -81.2% | — | +351.5% | -65.7% | |
| P/S Ratio | 4.78 | 3.71 | 3.37 | 3.44 | 3.27 | 3.35 | 3.03 | 3.20 | 2.50 | 3.13 | 3.02 | 2.87 | 4.21 | 2.76 | 2.91 | 2.99 | 3.40 | 3.24 | 4.09 | 4.89 | 4.92 |
| — | +10.8% | +11.4% | +7.6% | +30.9% | +6.9% | +0.2% | +11.6% | -40.7% | +13.4% | +3.8% | -4.0% | +23.8% | -14.7% | -28.9% | -38.9% | -30.9% | -45.1% | -25.6% | -2.4% | +14.5% | |
| P/B Ratio | 1.39 | 1.34 | 1.28 | 1.03 | 1.01 | 1.02 | 0.94 | 0.94 | 0.96 | 0.91 | 0.85 | 0.86 | 0.89 | 0.79 | 0.85 | 0.95 | 1.15 | 0.99 | 1.02 | 1.11 | 1.16 |
| — | +30.6% | +36.4% | +9.7% | +5.8% | +12.7% | +10.5% | +9.8% | +7.5% | +14.7% | +0.7% | -10.3% | -22.6% | -20.1% | -16.8% | -14.3% | -1.4% | -25.3% | -19.8% | -12.7% | +0.0% | |
| P/FCF | 52.29 | 4.06 | — | — | 15.00 | 21.86 | 16.22 | — | 4.25 | 38.51 | 7.14 | 19.30 | — | 4.46 | 4.22 | 27.26 | 30.34 | 7.59 | 2.90 | 2.92 | — |
| — | -81.4% | — | — | +253.1% | -43.2% | +127.3% | — | — | +764.1% | +69.2% | -29.2% | — | -41.3% | +45.6% | +834.3% | — | -45.1% | -80.1% | -15.0% | — | |
| EV / EBITDA | 11.60 | 1351.26 | 7.42 | 7.69 | 11.39 | 3.89 | 5.04 | 4.82 | 10.30 | 1.51 | 4.44 | 0.08 | 6.22 | 0.05 | 3.02 | 3.19 | 4.20 | -5.56 | -8.41 | -43.12 | -1.79 |
| — | +34636.7% | +47.1% | +59.6% | +10.6% | +157.4% | +13.4% | +6144.0% | +65.5% | +2931.4% | +47.0% | -97.6% | +48.2% | +100.9% | +135.9% | +107.4% | +334.1% | +65.5% | — | -1072.9% | -132.0% | |
| EV / EBIT | 12.43 | 1351.26 | 7.22 | 8.51 | 11.65 | 4.30 | 5.41 | 5.20 | 11.75 | 1.63 | 5.01 | 0.09 | 7.22 | 0.06 | 3.37 | 3.47 | 4.56 | -6.16 | -10.34 | -108.19 | -1.95 |
| — | +31305.2% | +33.4% | +63.7% | -0.9% | +164.5% | +8.0% | +5992.0% | +62.8% | +2724.2% | +48.7% | -97.5% | +58.3% | +100.9% | +132.6% | +103.2% | +334.6% | +72.4% | — | -1958.5% | -126.8% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q1 '27 | Q4 '26 | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 96.2% | 95.5% | 87.6% | 96.8% | 73.8% | 96.7% | 93.7% | 96.5% | 72.7% | 104.0% | 96.4% | 99.6% | 92.5% | 96.1% | 98.6% | 100.0% | 101.9% | 99.4% | 105.3% | 100.0% | 100.0% |
| — | -1.3% | -6.5% | +0.3% | +1.6% | -6.9% | -2.9% | -3.1% | -21.5% | +8.1% | -2.2% | -0.4% | -9.2% | -3.2% | -6.4% | 0.0% | +1.9% | +1.2% | +9.3% | +9.4% | +11.2% | |
| Operating Margin | 27.5% | 0.2% | 29.3% | 23.2% | 16.1% | 23.4% | 33.3% | 32.5% | 14.5% | 37.2% | 24.1% | 28.1% | 26.8% | 22.1% | 29.5% | 36.9% | 37.8% | 35.1% | 20.3% | 3.4% | 55.8% |
| — | -99.0% | -12.2% | -28.7% | +11.0% | -37.3% | +38.4% | +15.8% | -46.0% | +68.2% | -18.5% | -23.9% | -29.2% | -37.0% | +45.8% | +994.7% | -32.2% | +166.5% | +188.9% | -69.9% | +251.1% | |
| Net Margin | 21.1% | 0.3% | 11.3% | 21.5% | 11.3% | 18.0% | 26.4% | 25.3% | 11.3% | 28.7% | 18.8% | 21.9% | 21.3% | 17.6% | 23.3% | 29.0% | 29.3% | 28.3% | 15.7% | 2.2% | 43.3% |
| — | -98.4% | -57.2% | -14.9% | -0.1% | -37.1% | +40.4% | +15.5% | -47.0% | +63.1% | -19.2% | -24.6% | -27.3% | -38.0% | +48.3% | +1198.6% | -32.3% | +180.4% | +160.5% | -75.7% | +252.2% |
| Metric | TTM | Q1 '27 | Q4 '26 | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 6.4% | 0.0% | 1.1% | 1.6% | 1.2% | 1.4% | 2.1% | 1.9% | 1.1% | 2.1% | 1.3% | 1.6% | 1.1% | 1.3% | 1.7% | 2.4% | 2.5% | 2.2% | 1.0% | 0.1% | 2.6% |
| — | -98.1% | -48.3% | -12.1% | +8.4% | -34.4% | +53.8% | +13.7% | -5.8% | +65.5% | -21.6% | -30.3% | -54.3% | -41.2% | +73.8% | +1783.8% | -2.8% | +279.8% | +164.7% | -78.7% | +209.5% | |
| ROA | 1.0% | 0.0% | 0.2% | 0.2% | 0.2% | 0.2% | 0.3% | 0.3% | 0.2% | 0.3% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.3% | 0.3% | 0.3% | 0.1% | 0.0% | 0.3% |
| — | -98.2% | -48.5% | -16.8% | +3.1% | -38.1% | +52.8% | +15.7% | -1.5% | +80.3% | -16.3% | -24.4% | -47.2% | -31.0% | +101.9% | +1961.4% | -3.6% | +259.9% | +160.5% | -80.2% | +177.6% | |
| ROIC | 6.2% | 0.0% | 2.1% | 1.3% | 1.2% | 1.3% | 2.0% | 1.8% | 1.0% | 2.0% | 1.3% | 1.6% | 1.1% | 1.2% | 1.6% | 2.3% | 2.4% | 2.0% | 1.0% | 0.1% | 2.5% |
| — | -98.8% | +6.1% | -26.4% | +11.0% | -34.6% | +51.5% | +14.0% | -4.1% | +70.6% | -20.9% | -29.7% | -55.5% | -40.3% | +70.9% | +1487.3% | -2.7% | +260.9% | +195.0% | -73.6% | +208.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q1 '27 | Q4 '26 | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | — | — | — | — | 0.17 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Debt / EBITDA | — | — | — | — | 9.99 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Current Ratio | 0.11 | — | 0.11 | 0.11 | 0.77 | 0.16 | 0.24 | 0.16 | 0.26 | 0.29 | 0.27 | 0.33 | 0.30 | 0.39 | 0.38 | 0.42 | 0.43 | 0.52 | 0.51 | 0.52 | 0.45 |
| — | — | -53.3% | -30.8% | +188.9% | -45.5% | -11.0% | -51.5% | -12.8% | -23.9% | -29.5% | -20.2% | -28.6% | -25.2% | -25.6% | -19.1% | -6.0% | +11.5% | +31.9% | +49.3% | +82.9% | |
| Quick Ratio | 0.11 | — | 0.11 | 0.11 | 0.77 | 0.16 | 0.24 | 0.16 | 0.26 | 0.29 | 0.27 | 0.33 | 0.30 | 0.39 | 0.38 | 0.42 | 0.43 | 0.52 | 0.51 | 0.52 | 0.45 |
| — | — | -53.3% | -30.8% | +188.9% | -45.5% | -11.0% | -51.5% | -12.8% | -23.9% | -29.5% | -20.2% | -28.6% | -25.2% | -25.6% | -19.1% | -6.0% | +11.5% | +31.9% | +49.3% | +82.9% | |
| Interest Coverage | 0.87 | 0.01 | 1.51 | 0.75 | 0.65 | 0.69 | 1.10 | 1.10 | — | 1.26 | 0.79 | 1.05 | 0.74 | 1.01 | 2.00 | 6.07 | 9.45 | 12.53 | 7.94 | 1.35 | 22.39 |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 34 years · Updated daily
Live VCP patterns, Cup & Handle overlays, support/resistance, and AI trade plans.
High-probability breakout stocks crossing their pivot across 5 pattern engines.
DCF models, multiple analysis, and analyst estimates.
10-year return with dividends reinvested.
Compare growth, multiples, and margins vs sector.
Quick answers to the most common questions about buying PBFS stock.
Pioneer Bancorp, Inc.'s current P/E is 22.1x. The average P/E over the last 4 quarters is 334.3x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Pioneer Bancorp, Inc.'s current operating margin is 27.5%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Pioneer Bancorp, Inc.'s business trajectory between earnings reports.