Pioneer Bancorp, Inc. (PBFS) P/E Ratio History
Historical price-to-earnings valuation from 2020 to 2026
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PBFS Valuation Context
How does the current P/E compare to historical and market benchmarks?
P/E Ratio Analysis
As of May 6, 2026, Pioneer Bancorp, Inc. (PBFS) trades at a price-to-earnings ratio of 19.2x, with a stock price of $14.61 and trailing twelve-month earnings per share of $0.84.
The current P/E is 60% below its 5-year average of 47.7x. 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 65th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.4x, PBFS trades at a 44% premium to its sector peers. The sector includes 774 companies with P/E ratios ranging from 0.0x to 195.8x.
The PEG ratio of 0.66 (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 at a notable discount to the S&P 500 median P/E of 25.2x. 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 P/E vs Peers
P/E ratio compared to closely matched public peers
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $2B | 15.7 | 2.46 | +331%Best | |
| $2B | 13.6 | 1.93 | +13% | |
| $510M | 19.3 | - | +130% | |
| $587M | 19.5 | - | -16% | |
| $861M | 15.0 | 4.13 | +26% | |
| $203M | 14.4 | 2.84 | +9% | |
| $322M | 21.4 | - | -37% | |
| $696M | 9.8Lowest | 1.04Best | +231% | |
| $610M | 14.0 | 7.28 | +50% | |
| $12B | 13.3 | - | +38% |
Peers sorted by market capitalization. P/E below peers may indicate undervaluation or lower growth expectations. Consider PEG ratio for growth-adjusted comparison.
PBFS Historical P/E Data (2020–2026)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Date | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2026 Q2 | Wed Dec 31 2025 00:00:00 GM | $13.48 | $0.82 | 16.4x | -62% |
| FY2026 Q1 | $13.06 | $0.80 | 16.3x | -63% | |
| FY2025 Q4 | Mon Jun 30 2025 00:00:00 GM | $12.03 | $0.87 | 13.8x | -68% |
| FY2025 Q3 | Mon Mar 31 2025 00:00:00 GM | $11.71 | $0.77 | 15.2x | -65% |
| FY2025 Q2 | $11.52 | $0.73 | 15.8x | -64% | |
| FY2025 Q1 | Mon Sep 30 2024 00:00:00 GM | $10.97 | $0.73 | 15.0x | -66% |
| FY2024 Q4 | Sun Jun 30 2024 00:00:00 GM | $10.01 | $0.62 | 16.1x | -63% |
| FY2024 Q3 | Sun Mar 31 2024 00:00:00 GM | $9.81 | $0.64 | 15.3x | -65% |
| FY2024 Q2 | Sun Dec 31 2023 00:00:00 GM | $10.01 | $0.69 | 14.5x | -67% |
| FY2024 Q1 | Sat Sep 30 2023 00:00:00 GM | $8.54 | $0.81 | 10.5x | -76% |
| FY2023 Q4 | Fri Jun 30 2023 00:00:00 GM | $8.95 | $0.87 | 10.3x | -77% |
| FY2023 Q3 | Fri Mar 31 2023 00:00:00 GM | $9.86 | $0.78 | 12.6x | -71% |
Average P/E for displayed period: 43.8x
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Start ComparisonPBFS — Frequently Asked Questions
Quick answers to the most common questions about buying PBFS stock.
Is PBFS stock overvalued or undervalued?
PBFS trades at 19.2x P/E, below its 5-year average of 47.7x. At the 65th percentile of historical range, the stock is priced at a discount to its own history.
How does PBFS's valuation compare to peers?
Pioneer Bancorp, Inc. P/E of 19.2x compares to sector median of 13.4x. The premium reflects expected growth above peers.
What is PBFS's PEG ratio?
PBFS PEG ratio is 0.66. Below 1.0 indicates valuation is supported by earnings growth rate. Historical P/E data spans 2020-2026.