Pioneer Bancorp, Inc. (PBFS) P/E Ratio History
UndervaluedTrading at 22.5x vs 5Y avg 46.2x · 75th percentile · Below historical baseline · Data 2020–2026
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P/E Ratio Analysis
As of June 21, 2026, Pioneer Bancorp, Inc. (PBFS) trades at a price-to-earnings ratio of 22.5x, with a stock price of $17.10 and trailing twelve-month earnings per share of $0.81.
The current P/E is 51% below its 5-year average of 46.2x. Over the past five years, PBFS's P/E has ranged from a low of 10.3x to a high of 316.0x, placing the current valuation at the 75th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.6x, PBFS trades at a 66% premium to its sector peers. The sector includes 783 companies with P/E ratios ranging from 0.0x to 196.5x.
The PEG ratio of 0.77 (P/E divided by 25% EPS growth) suggests the stock may be undervalued relative to its earnings growth. Peter Lynch popularized the rule that a PEG below 1.0 indicates an attractive entry point.
Relative to the broader market, PBFS trades roughly in line with the S&P 500 median P/E of 24.4x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our PBFS DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
PBFS Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
PBFS P/E vs Peers
Banks with large fee businesses peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $2B | 16.5 | 2.58 | +331%Best | |
| $2B | 14.0 | 1.99 | +13% | |
| $533M | 20.2 | - | +130% | |
| $602M | 727.8 | - | -97% | |
| $925M | 16.1 | 4.43 | +26% | |
| $205M | 14.6 | 2.88 | +9% | |
| $341M | 22.7 | - | -37% | |
| $735M | 10.3Lowest | 1.10Best | +231% | |
| $641M | 14.6 | 7.64 | +50% | |
| $12B | 13.2 | - | +38% |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
PBFS Historical P/E Data (2020–2026)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2026 Q3 | - | $13.92 | $0.81 | 17.2x | -60% |
| FY2026 Q2 | Dec 31 2025 | $13.48 | $0.82 | 16.4x | -62% |
| FY2026 Q1 | - | $13.06 | $0.80 | 16.3x | -62% |
| FY2025 Q4 | Jun 30 2025 | $12.03 | $0.87 | 13.8x | -68% |
| FY2025 Q3 | Mar 31 2025 | $11.71 | $0.77 | 15.2x | -64% |
| FY2025 Q2 | - | $11.52 | $0.73 | 15.8x | -63% |
| FY2025 Q1 | Sep 30 2024 | $10.97 | $0.73 | 15.0x | -65% |
| FY2024 Q4 | Jun 30 2024 | $10.01 | $0.62 | 16.1x | -62% |
| FY2024 Q3 | Mar 31 2024 | $9.81 | $0.64 | 15.3x | -64% |
| FY2024 Q2 | Dec 31 2023 | $10.01 | $0.69 | 14.5x | -66% |
| FY2024 Q1 | Sep 30 2023 | $8.54 | $0.81 | 10.5x | -75% |
| FY2023 Q4 | Jun 30 2023 | $8.95 | $0.87 | 10.3x | -76% |
| FY2023 Q3 | Mar 31 2023 | $9.86 | $0.78 | 12.6x | -71% |
| FY2023 Q2 | Dec 31 2022 | $11.40 | $0.55 | 20.6x | -52% |
| FY2023 Q1 | Sep 30 2022 | $9.52 | $0.55 | 17.2x | -60% |
| FY2022 Q4 | - | $9.80 | $0.40 | 24.3x | -43% |
| FY2022 Q3 | - | $10.52 | $0.17 | 61.9x | +45% |
| FY2022 Q2 | Dec 31 2021 | $11.32 | $0.21 | 53.9x | +26% |
| FY2022 Q1 | - | $12.64 | $0.04 | 316.0x | +638% |
| FY2021 Q4 | Jun 30 2021 | $12.02 | $0.05 | 240.4x | +462% |
| FY2021 Q3 | Mar 31 2021 | $11.65 | $0.25 | 46.8x | +9% |
| FY2021 Q2 | - | $10.57 | $0.23 | 46.2x | +8% |
| FY2021 Q1 | Sep 30 2020 | $8.88 | $0.30 | 29.7x | -31% |
| FY2020 Q4 | - | $9.15 | $0.20 | 46.0x | +7% |
| FY2020 Q3 | - | $10.38 | $0.34 | 30.5x | -29% |
| FY2020 Q2 | - | $15.31 | $0.74 | 20.7x | -52% |
| FY2020 Q1 | Sep 30 2019 | $12.49 | $1.02 | 12.2x | -71% |
Average P/E for displayed period: 42.8x
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
6+ years return with dividends reinvested.
DCA Calculator
See how regular investing compounds over time.
Peer Comparison
Compare growth, multiples, and margins vs sector.
PBFS — Frequently Asked Questions
Quick answers to the most common questions about buying PBFS stock.
What is PBFS's P/E ratio?
Pioneer Bancorp, Inc. (PBFS) trailing twelve-month P/E ratio is 22.5x, based on TTM diluted EPS of $0.81. The 5-year average P/E is 46.2x and the historical range spans 10.3x to 316.0x.
Is PBFS stock overvalued or undervalued?
PBFS trades at 22.5x P/E, below its 5-year average of 46.2x. At the 75th percentile of its historical range (10.3x–316.0x), the stock is priced at a discount to its own history.
Is PBFS stock expensive?
No, PBFS is not expensive on a historical basis. The current P/E of 22.5x is below the 5-year average of 46.2x and sits at the 75th percentile of its valuation range.
What is PBFS's historical P/E range?
Over the past 5 years, PBFS's P/E ratio has ranged from 10.3x to 316.0x, with a median of 16.3x and an average of 46.2x. The current P/E of 22.5x places the stock at the 75th percentile of this range. Full historical data spans 2020–2026.
How does PBFS's P/E compare to the S&P 500?
PBFS trades at 22.5x P/E versus the S&P 500 median of 24.4x. The 8% discount to the market suggests lower growth expectations or perceived higher risk.
How does PBFS's valuation compare to Financial Services peers?
Pioneer Bancorp, Inc. P/E of 22.5x compares to the Financial Services sector median of 13.6x. The premium reflects expected growth above peers or stronger fundamentals. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is PBFS's PEG ratio?
PBFS PEG ratio is 0.77, based on a P/E of 22.5x and EPS growth of 24.6%. A PEG below 1.0 indicates the valuation is supported by the earnings growth rate — typically considered attractive.
What is PBFS's earnings yield?
PBFS earnings yield is 4.44%, the inverse of its 22.5x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.