Pioneer Bancorp, Inc. (PBFS) delivered a return of 47.67% over the past year. Since PBFS does not currently pay dividends, the total return equals the price-only return.

A $10,000 investment in Pioneer Bancorp, Inc. one year ago would be worth $14,767 today, representing a gain of $4,767.

Pioneer Bancorp, Inc. (PBFS) does not currently pay dividends. Many growth-focused companies reinvest profits back into the business rather than distributing them as dividends. For PBFS, the total return equals the price-only return.

Yes, Pioneer Bancorp, Inc. (PBFS) outperformed the S&P 500 by 22.68 percentage points over the past year. PBFS delivered a total return of 47.67%, compared to the S&P 500's 24.99%. This 22.68pp alpha means investors in PBFS earned more than a passive S&P 500 index fund.

Pioneer Bancorp, Inc. (PBFS) experienced a maximum drawdown of -10.40% over the past year, declining from its peak on 2025-12-12 to its trough on 2026-01-07. The stock recovered to its prior peak by 2026-02-04. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Here are Pioneer Bancorp, Inc. (PBFS)'s long-term returns with dividends reinvested. Over 10 years, the total return is 15.9% (1.5% CAGR) — $10,000 would have grown to $11,593. Over 20 years: 15.9% total return (0.7% CAGR) — $10,000 → $11,593. Over 30 years: 15.9% total return (0.5% CAGR) — $10,000 → $11,593. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Pioneer Bancorp, Inc.'s best calendar year was 2025 with a total return of 19.2%. Its worst year was 2020 with a total return of -30.6%. This range shows the volatility investors should expect — the difference between the best and worst year is 49.8 percentage points.