Stock fact sheet · data as of
Pioneer Bancorp, Inc. (PBFS): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Blend
Is PBFS undervalued?
At 17.61 (close of 16 Oct 2026), PBFS trades 41% over the GLS average fair value of 12.50, 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 (2.03) and DCF (44.88). 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.
The nightly engine files PBFS under Blend.
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 | 44.88 | +155% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 14.50 | -18% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 11.17 | -37% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 2.77 | -84% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 2.03 | -88% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 10.77 | -39% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 6.17 | -65% | 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 | 7.69 | -56% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -65.72 | -473% | 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 6 of 9 on the Piotroski F-score: a middling result that passes the Sunday Scan's "6 or more" rule. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. On durability PBFS scores 5.0/10 on the GLS Moat - a middle reading; the Scorecard on the Quote page's Financials tab shows which ten-year lines are steady and which are not.
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 1.8%.
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 | 6 / 9 | ROIC | 6.3% |
|---|---|---|---|
| GLS Moat | 5.0 / 10 | ROE | 6.3% |
| Debt / equity | 0.00 | ROA | 0.9% |
| Free-cash-flow yield | 1.8% | Payout ratio | 0% |
| Institutions | 3 / 10 | Insiders · Congress | 9 · 5 / 10 |
Wheel Score 27: No options
No options are listed on Pioneer Bancorp, Inc. in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 27) and the stock is left out of every options screen; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 26k shares a day on a market cap of $437M, with a beta of 0.42 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 7 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 0 / 25 | -41% margin of safety | |
| Health | 13 / 20 | Piotroski 6/9 | |
| Moat | 8 / 15 | moat 5.0/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 7 / 20 | 26k shares/day, $437M cap, beta 0.42 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
Pioneer Bancorp, Inc. reports earnings on 29 Oct 2026 - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
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 |
|---|---|---|---|---|---|
| AVBC Avidia Bancorp, Inc. | 21.83 | 23.04 | +5% | 64Fair | $436M |
| FRBA First Bank | 17.73 | 33.32 | +47% | 79Good | $439M |
| CBK Commercial Bancgroup, Inc. Common Stock | 31.49 | 33.66 | +6% | 39No options | $431M |
| RBB RBB Bancorp | 25.49 | 30.43 | +16% | 68Good | $431M |
| PLBC Plumas Bancorp | 61.59 | 72.05 | +15% | 39No options | $429M |
| BMRC Bank of Marin Bancorp | 26.39 | 51.78 | +49% | 72Good | $427M |
| CBAN Colony Bankcorp, Inc. | 20.03 | 26.80 | +25% | 65Good | $425M |
| CZNC Citizens & Northern Corporation | 25.36 | 35.25 | +28% | 69Good | $455M |
| USCB USCB Financial Holdings, Inc. | 21.95 | 37.31 | +41% | 39No options | $406M |
| PDLB Ponce Financial Group, Inc. | 19.95 | 48.40 | +59% | 79Good | $483M |
| PBAM Private Bancorp of America, Inc. | 84.35 | 133.28 | +37% | 39No options | $483M |
| WTBA West Bancorporation, Inc. | 28.35 | 31.49 | +10% | 64Fair | $483M |
⚖ Compare PBFS with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about PBFS
Is PBFS undervalued right now?
No: at 17.61 the stock trades 41% above the GLS average fair value of 12.50 (data as of 16 Oct 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; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for PBFS?
12.50 per share as of 16 Oct 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 Oct 2026, 13 days from the data date of 16 Oct 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 is capped at 39.