US · PBFS
Pioneer Bancorp, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Albany, NY 12211
- Website
- pioneerny.com
Price · as of 2024-06-30
$14.34
Market cap 353.89M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $44.87 | +212.9% |
| Intrinsic Value(DCF) | $23.53 | +64.09% |
| Graham-Dodd Method(GD) | $14.37 | +0.18% |
| Graham Formula(GF) | $14.08 | -1.82% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | |||||
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | |||||
| 2016 | |||||
| 2017 | |||||
| 2018 | $15.06 | $30.23 | |||
| 2019 | $14.73 | $125.24 | $30.48 | $13.65 | $15.08 |
| 2020 | $8.57 | $55.48 | $9.48 | $9.70 | $1.89 |
| 2021 | $12.33 | $48.70 | $19.26 | $9.41 | $0.00 |
| 2022 | $9.55 | $39.95 | $27.75 | $11.35 | $2.15 |
| 2023 | $8.85 | $60.73 | $166.75 | $14.61 | $46.29 |
| 2024 | $11.03 | $44.87 | $79.83 | $14.37 | $14.08 |
AI valuation
Our deep-learning model estimates Pioneer Bancorp, Inc.'s (PBFS) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $44.87
- Current price
- $14.34
- AI upside
- +212.9%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$23.53
+64.09% upside
Graham-Dodd
$14.37
+0.18% upside
Graham Formula
$14.08
-1.82% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| PBFS | Pioneer Bancorp, Inc. | $14.34 | 353.89M | +213% | +64% | 0% | -2% | 18.21 | 0.94 | 2.82 | -5.96 | — | 0.98 | 75.17% | 19.67% | 15.46% | 5.42% | -7.17% | 0.81% | 0.00 | 0.89 | 0.27 | 0.27 | -6.89 | -2989.00% | 1587.00% | -1088.00% | 8.28% | 0.02 | -10.81% | 0.00% | 0.00% | 1.55% | -6.75 | -5.70 | -1.33 | -0.40 |
| BWFG | Bankwell Financial Group,… | $46.70 | 367.88M | -50% | -25% | -38% | -75% | 23.27 | 0.84 | 1.16 | 3.60 | — | 0.85 | 32.90% | 6.81% | 4.99% | 3.64% | 7.74% | 0.30% | 0.59 | 0.12 | 0.12 | 0.12 | -7.84 | -7366.00% | 125.00% | -187.00% | 12.90% | 0.01 | 23.24% | 2.76% | 64.30% | 15.05% | 4.61 | 2.10 | 0.31 | -0.71 |
| FMAO | Farmers & Merchants Banco… | $25.86 | 355.57M | +285% | +15% | +27% | +39% | 11.09 | 1.00 | 1.95 | 3.53 | 13.95 | 1.32 | 62.27% | 22.49% | 17.61% | 9.44% | 34.43% | 0.98% | 0.81 | 0.61 | — | — | 4.76 | 7947.00% | 710.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 0.00% | 3.53 | — | 0.79 | 0.45 |
| MSBI | Midland States Bancorp, I… | $22.13 | 476.94M | -8% | 0% | -58% | +21% | 10.01 | 0.54 | 0.70 | -5.59 | — | 0.73 | 43.21% | 8.59% | 6.97% | 5.06% | 18.38% | 0.49% | 0.60 | 0.25 | 0.23 | 0.23 | 6.59 | -4335.00% | 739.00% | 1627.00% | 44.55% | 0.03 | 81.97% | 9.45% | 94.60% | 53.17% | -5.59 | -1.55 | -0.48 | -0.62 |
| MVBF | MVB Financial Corp. | $27.00 | 343.49M | +393% | -7% | +36% | +105% | 12.72 | 1.03 | 1.27 | -6.45 | 36.73 | 1.03 | 71.66% | 13.63% | 9.96% | 8.42% | -9.07% | 0.84% | 0.22 | 0.54 | — | — | -4.62 | 3464.00% | 1896.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 0.00% | -6.45 | — | -0.88 | 1.27 |
| OBT | Orange County Bancorp, In… | $33.21 | 443.91M | +54% | +73% | -36% | +26% | 9.48 | 1.42 | 1.85 | -5.08 | — | 1.47 | 69.83% | 24.33% | 19.49% | 15.89% | -11.54% | 1.12% | 0.77 | 0.98 | 0.27 | 0.27 | -0.20 | -573.00% | 917.00% | -1975.00% | 12.44% | 0.02 | -13.60% | 2.02% | 19.10% | 45.32% | -5.37 | -5.68 | -1.31 | -0.55 |
| PCB | PCB Bancorp | $22.36 | 318.87M | +325% | +123% | +82% | +97% | 8.50 | 0.82 | 1.52 | 3.91 | 17.61 | 0.83 | 53.34% | 25.07% | 17.89% | 9.94% | 22.77% | 1.18% | 0.18 | 0.56 | 0.16 | 0.16 | 0.89 | 4828.00% | 910.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 3.91 | — | 0.98 | -0.11 |
| PDLB | Ponce Financial Group, In… | $16.25 | 390.02M | +46% | +41% | +51% | -5% | 26.30 | 0.57 | 1.72 | 32.82 | 12.72 | 0.57 | 47.70% | 9.38% | 6.56% | 2.20% | 1.19% | 0.38% | 1.24 | 0.18 | 0.14 | 0.14 | 23.83 | 20667.00% | 2441.00% | -2611.00% | 1.56% | 0.00 | 0.49% | 0.20% | 5.40% | 31.73% | 42.73 | 149.14 | 4.01 | -0.45 |
| RBB | RBB Bancorp | $21.50 | 366.51M | +61% | -0% | +1% | -56% | 11.51 | 0.60 | 1.32 | 7.25 | — | 0.71 | 45.19% | 15.38% | 11.49% | 5.23% | 6.31% | 0.67% | 0.72 | 0.30 | 0.12 | 0.12 | 2.36 | -3438.00% | -175.00% | 1396.00% | 18.81% | 0.02 | 13.66% | 3.82% | 44.00% | 10.56% | 9.13 | 5.64 | 1.40 | -0.59 |
| SFST | Southern First Bancshares… | $55.84 | 458.8M | -3% | -25% | +16% | -11% | 14.81 | 1.22 | 2.00 | 12.61 | 15.37 | 1.22 | 51.26% | 17.63% | 13.52% | 8.69% | 5.85% | 0.72% | 0.72 | 0.37 | 0.06 | 0.06 | 5.35 | 9634.00% | 529.00% | 2060.00% | 6.64% | 0.01 | 5.75% | 0.00% | 0.00% | 0.00% | 14.12 | 18.71 | 2.49 | -0.47 |
| USCB | USCB Financial Holdings, … | $18.93 | 343.35M | +101% | -27% | -25% | +162% | 14.27 | 1.63 | 2.45 | 6.94 | 29.97 | 1.63 | 55.23% | 22.56% | 17.14% | 12.11% | 23.66% | 1.00% | 0.80 | 0.53 | 0.14 | 0.14 | 2.86 | 4762.00% | 3279.00% | 5090.00% | 9.59% | 0.02 | 32.38% | 1.12% | 16.00% | 18.00% | 7.06 | 6.79 | 1.59 | -0.74 |
About Pioneer Bancorp, Inc.
Pioneer Bancorp, Inc. operates as a holding company for Pioneer Savings Bank that provides various banking products and services in New York. The company accepts various deposit products, such as demand, savings, and money market accounts, as well as certificates of deposit accounts. Its loan products include commercial real estate, commercial and industrial, commercial construction, one- to four-family residential real estate, home equity, and consumer loans; and home equity lines of credit. The company also invests in the U.S. governmental securities, fixed rate collateralized mortgage obligations, mortgage-backed securities, fixed-rate investment grade bonds, and equity securities. In addition, the company offers personal and commercial insurance products, including homeowners, automobile, and comprehensive business insurance; employee benefit products and services, such as group health, dental, disability, and life insurance products, as well as defined contribution, defined benefit administration, and human resource management services; and wealth management services comprising investment advice, retirement income planning, estate planning, business succession, and employer retirement planning. It operates through a network of 22 retail banking offices in Albany, Greene, Rensselaer, Saratoga, Schenectady, and Warren Counties in New York. The company was founded in 1889 and is based in Albany, New York. Pioneer Bancorp, Inc. operates as a subsidiary of Pioneer Bancorp, MHC.
- CEO
- Thomas L. Amell
- Employees
- 268
- Beta
- 0.45
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($23.53 ÷ $14.34) − 1 = +64.09% (DCF, example).