Stock fact sheet · data as of
Pioneer Bancorp, Inc. (PBFS): fair value, margin of safety and Wheel Score
Ticker symbol PBFS · Financial Services · Banks - Regional · United States · Growth
Is PBFS undervalued?
At 18.80 (close of 5 Nov 2026), PBFS trades 61% over the GLS average fair value of 11.70, with 1 of 8 models above the price. The stock earns none of the Wheel Score's Value points at this price. That is a statement about price against trailing fundamentals, not about the company's prospects - the Wall Street View and the Growth tab on the Quote page carry the forward numbers.
There is a wide gap between GLS Growth (1.54) and DCF (46.76). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
Ranked against every other company we cover, PBFS is clearly faster-growing than it is cheap, so the nightly engine files it under Growth (value score 30, growth score 54, out of 100).
Nine valuation models for PBFS
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 46.76 | +149% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 12.74 | -32% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 8.48 | -55% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 2.10 | -89% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 1.54 | -92% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 9.86 | -48% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 6.26 | -67% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 5.84 | -69% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -65.72 | -450% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Pioneer Bancorp, Inc. scores only 4 of 9 on the Piotroski F-score, which fails the "Piotroski 6 or more" Wheel Trade Filter. A reading this low means several of the basic tests - positive earnings, positive operating cash flow, falling debt, no new share issuance - are not met. A GLS Moat score of 4.0/10 is a weak reading: the accounts do not show returns and margins that competitors have been unable to wear down, so the Moat part of the Wheel Score contributes little.
Returns on capital are moderate - ROIC 6.3%, ROE 6.3%, ROA 0.9% - with debt at 0.00 times equity and a free-cash-flow yield of 1.7%.
Pioneer Bancorp, Inc. pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain. Revenue comes mainly from Wealth management services 54%, Credit and Debit Card 17%, Deposit Account 16% (quarter Q3 FY2026).
Institutional ownership scores 3/10, insider activity 9/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 4 / 9 | ROIC | 6.3% |
|---|---|---|---|
| GLS Moat | 4.0 / 10 | ROE | 6.3% |
| Debt / equity | 0.00 | ROA | 0.9% |
| Free-cash-flow yield | 1.7% | Payout ratio | 0% |
| Institutions | 3 / 10 | Insiders · Congress | 9 · 5 / 10 |
Wheel Score 16: No options
No options are listed on Pioneer Bancorp, Inc. in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 16, under 70) and is left out of every options scan; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 34k shares a day on a market cap of $467M, with a beta of 0.43 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Fails | trades 61% above our fair value |
| 4 | Financially healthy | Fails | Piotroski 4/9 (under 6) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $467M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Weak | 61% above fair value | |
| Premium | Weak | no option data | |
| Moat | Fair | moat 4.0/10 | |
| Health | Fair | Piotroski 4/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.43, $467M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 29 Jan 2027, 85 days away - outside the window of a 30-45-day put sold today.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Pioneer Bancorp, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| CBK Commercial Bancgroup, Inc. Common Stock | 33.52 | 30.79 | -9% | 20No options | $460M |
| BMRC Bank of Marin Bancorp | 29.52 | 51.77 | +43% | 48Weak | $479M |
| HBCP Home Bancorp, Inc. | 61.91 | 89.80 | +31% | 53Fair | $487M |
| RBB RBB Bancorp | 26.24 | 33.05 | +21% | 50Fair | $444M |
| PLBC Plumas Bancorp | 63.78 | 63.56 | -0% | 24No options | $444M |
| CBAN Colony Bankcorp, Inc. | 20.59 | 28.04 | +27% | 42Weak | $437M |
| PBAM Private Bancorp of America, Inc. | 87.43 | 129.30 | +32% | 33No options | $501M |
| PCB PCB Bancorp | 30.95 | 37.80 | +18% | 47Weak | $435M |
| FRBA First Bank | 20.54 | 28.65 | +28% | 48Weak | $508M |
| CZNC Citizens & Northern Corporation | 28.56 | 32.46 | +12% | 43Weak | $512M |
| FMAO Farmers & Merchants Bancorp, Inc. | 37.48 | 38.63 | +3% | 41Weak | $516M |
| CZFS Citizens Financial Services, Inc. | 87.30 | 101.59 | +14% | 26No options | $420M |
⚖ Compare PBFS with 7 of them All Financial Services stocks →
Scan the whole market the same way
A free GLS Equity account gets you nightly fair value and the Wheel Score on ~7,400 US stocks, a watchlist, the scanner preview and the Sunday Scan - the top 10 stocks that pass all 9 Wheel Trade Filters, emailed every week. Pro adds the full put and call scanners, unlimited watchlists with alerts and the trade journal.
Start free See the Sunday ScanQuestions about PBFS
Is PBFS undervalued right now?
No: at 18.80 the stock trades 61% above the GLS average fair value of 11.70 (data as of 5 Nov 2026), well beyond what trailing earnings, cash flow and book value support.
What is the Wheel Score of PBFS and what does it mean?
PBFS has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for PBFS?
11.70 per share as of 5 Nov 2026 - the simple average of the 8 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Pioneer Bancorp, Inc. report earnings next?
The next earnings report is due on 29 Jan 2027, 85 days from the data date of 5 Nov 2026. The Calendars page lists every upcoming report with its time of day.
Does PBFS have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on PBFS, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.