Pioneer Competitors

PBFS Stock

USD 13.70 0.10 0.74%

The company is classified under the Banks sector. Pioneer Bancorp competes with Orange County, Ponce Financial, RBB Bancorp, MVB Financial, and Farmers Merchants and other related companies. This peer view supports relative benchmarking. Use this module to test if Pioneer Bancorp has durable advantages versus sector peers.

Pioneer Bancorp vs Midland States Correlation View

Very weak diversification

The correlation between PBFS and MSBI is 0.54, which Macroaxis classifies as Very weak diversification for the selected horizon. Used correctly, the chart helps investors judge whether adding the second position genuinely diversifies the first.

Moving together with Pioneer Stock

0.66	FNWD	Finward Bancorp	Pair Corr
0.63	MTB	MT Bank	Pair Corr

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Mean reversion in Pioneer Bancorp's price occurs when temporary dislocations - caused by sentiment extremes, news events, or liquidity shocks - correct back toward the stock's historical fair value.

Hype

Prediction

Low	Estimated	High
12.09	13.70	15.31

Details

Intrinsic

Valuation

Low	Real	High
12.28	13.89	15.50

Details

Naive

Forecast

Low	Next	High
12.10	13.72	15.33

Details

Bollinger

Band Projection (param)

Lower	Middle Band	Upper
13.42	14.25	15.09

Details

A rigorous investment case for Pioneer Bancorp requires more than studying its own financials. Benchmarking Pioneer Bancorp's performance, valuation, and risk profile against competitors is essential to validate any investment thesis.

Pioneer Bancorp Competition Correlation Matrix

Correlation analysis between Pioneer Bancorp and its competitors helps investors understand whether diversification is real or only superficial inside the same peer group. This matrix is most informative when investors want to know whether adding another peer would improve diversification, increase crowding, or leave total risk largely unchanged.

	OBT	PDLB	RBB	MVBF	FMAO	USCB	BWFG	SFST	PCB	MSBI
OBT		0.19	0.63	0.45	0.68	0.51	0.43	0.82	0.52	0.75	OBT
PDLB	0.19		0.48	0.58	0.66	0.47	0.74	0.37	0.74	0.32	PDLB
RBB	0.63	0.48		0.61	0.78	0.73	0.73	0.78	0.84	0.54	RBB
MVBF	0.45	0.58	0.61		0.81	0.68	0.81	0.74	0.73	0.7	MVBF
FMAO	0.68	0.66	0.78	0.81		0.69	0.83	0.8	0.86	0.67	FMAO
USCB	0.51	0.47	0.73	0.68	0.69		0.71	0.75	0.67	0.77	USCB
BWFG	0.43	0.74	0.73	0.81	0.83	0.71		0.65	0.9	0.51	BWFG
SFST	0.82	0.37	0.78	0.74	0.8	0.75	0.65		0.71	0.82	SFST
PCB	0.52	0.74	0.84	0.73	0.86	0.67	0.9	0.71		0.48	PCB
MSBI	0.75	0.32	0.54	0.7	0.67	0.77	0.51	0.82	0.48		MSBI
	OBT	PDLB	RBB	MVBF	FMAO	USCB	BWFG	SFST	PCB	MSBI

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Risk-Adjusted Indicators

There is a big difference between Pioneer Stock performing well and Pioneer Bancorp Company doing well as a business compared to the competition. There are so many exceptions to the norm that investors cannot definitively determine what's good or bad unless they analyze Pioneer Bancorp's multiple risk-adjusted performance indicators across the competitive landscape. These indicators are quantitative in nature and help investors forecast volatility and risk-adjusted expected returns across various positions.

	Mean Deviation	Jensen Alpha	Sortino Ratio	Treynor Ratio	Semi Deviation	Expected Shortfall	Potential Upside	Value @Risk	Maximum Drawdown
OBT	1.24	0.23	0.15	0.17	1.24	-1.35	3.55	-2.66	8.06
PDLB	1.03	0.09	0.08	0.08	1.23	-1.16	2.57	-2.44	6.77
RBB	1.20	0.04	0.03	0.00	1.49	-1.42	2.64	-2.93	10.12
MVBF	1.45	-0.02	0.00	-0.07	0.00	0.00	3.42	-3.38	10.83
FMAO	1.86	0.07	0.03	0.02	2.11	-2.15	4.61	-3.79	13.47
USCB	1.45	0.05	0.02	0.00	1.90	-1.61	3.61	-3.30	11.42
BWFG	1.28	0.02	0.00	-0.02	0.00	0.00	2.53	-3.55	8.29
SFST	1.47	0.04	0.02	-0.01	2.26	-1.62	3.36	-2.38	13.26
PCB	1.33	0.04	0.03	0.01	1.69	-1.43	2.47	-2.38	9.24
MSBI	1.23	0.14	0.06	0.06	1.76	-1.25	2.87	-3.18	11.46

Peer Comparison: Net Income

Net income is one of the most important fundamental items in finance. It plays a large role in Pioneer Bancorp financial statement analysis. It represents the amount of money remaining after all of Pioneer Bancorp operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue.

Compare Pioneer Bancorp and related stocks such as Orange County Bancorp, Ponce Financial Group, and RBB Bancorp Net Income Over Time

Select Fundamental

	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
OBT	7.6 M	7.6 M	7.8 M	6.5 M	6.2 M	-160 K	3.6 M	2.4 M	7.6 M	11.5 M	11.7 M	21.3 M	24.4 M	29.5 M	27.9 M	41.6 M	43.7 M
PDLB	2.5 M	2.5 M	2.5 M	2.5 M	2.5 M	2.5 M	1.4 M	-4.4 M	2.7 M	-5.1 M	3.9 M	25.4 M	-30 M	3.4 M	11 M	28.7 M	30.1 M
RBB	4 M	4 M	4 M	7 M	10.4 M	13 M	19.1 M	25.5 M	36.1 M	39.2 M	32.9 M	56.9 M	64.3 M	42.5 M	26.7 M	31.9 M	32.2 M
MVBF	781 K	2.7 M	4.2 M	4 M	2.1 M	6.8 M	12.9 M	7.6 M	12 M	27 M	37.4 M	39.1 M	15 M	31.2 M	20.1 M	26.9 M	28.3 M
FMAO	8.1 M	8.5 M	9.8 M	9 M	9.6 M	10.3 M	11.7 M	12.7 M	14.9 M	18.4 M	20.1 M	23.5 M	32.5 M	22.8 M	25.9 M	33.3 M	35 M
USCB	10.4 M	10.4 M	10.4 M	10.4 M	10.4 M	10.4 M	10.4 M	10.4 M	10.4 M	10.4 M	10.8 M	5.7 M	20.1 M	16.5 M	24.7 M	26.1 M	18 M
BWFG	-870 K	2.2 M	1.2 M	5.2 M	4.6 M	9 M	12.3 M	13.8 M	17.4 M	18.2 M	5.9 M	26.6 M	37.4 M	36.7 M	9.8 M	35.2 M	37 M
SFST	-520 K	2.1 M	3.9 M	5.1 M	6.6 M	10.2 M	13 M	13 M	22.3 M	27.9 M	18.3 M	46.7 M	29.1 M	13.4 M	15.5 M	30.4 M	31.9 M
PCB	-968.3 K	841.7 K	8 M	21.4 M	11.8 M	12.2 M	14 M	16.4 M	24.3 M	24.1 M	16.2 M	40.1 M	35 M	30.7 M	25.8 M	37.5 M	39.3 M
MSBI	2.1 M	11.4 M	8.4 M	14.5 M	10.8 M	24.3 M	31.5 M	16.1 M	39.4 M	55.8 M	22.5 M	81.3 M	100.2 M	75.5 M	38 M	-124.3 M	-118.1 M

Pioneer Bancorp Competitive Analysis

To gauge Pioneer Bancorp's financial strength, comparing it with Orange County, Ponce Financial, and RBB Bancorp offers useful context. Pioneer Bancorp is valued at 346.7 M and generates 88.1 M in revenue. A 6.46% return on equity and 21.91% net margin underscore Pioneer Bancorp's earnings capacity. Orange County converts shareholder equity more efficiently at 17.71% versus Pioneer Bancorp at 6.46%. Ponce Financial leads on revenue, 194.3 M to 88.1 M. RBB Bancorp keeps more of each revenue dollar with a 28.12% margin versus 21.91% at Pioneer Bancorp.

Better Than Average

Worse Than Peers

View Performance Chart

	PBFS	OBT	PDLB	RBB	MVBF	FMAO	USCB	BWFG	SFST	PCB
	0.74 13.70 Pioneer	0.65 30.51 Orange	0.18 16.30 Ponce	0.43 20.93 RBB	1.07 25.02 MVB	1.21 24.50 Farmers	0.11 18.14 USCB	0.21 46.83 Bankwell	2.21 51.70 Southern	1.86 21.65 PCB
Market Volatility (90 Days Market Risk)	Low	Very Low	Very Low	Very Low	Very Low	Very Low	Very Low	Very Low	Very Low	Very Low
Market Performance (90 Days Performance)	Weak	Mild	Weak	Weak	Weak	Weak	Weak	Weak	Weak	Weak
Odds of Financial Distress (Probability Of Bankruptcy)	Low	Low	Low	Average	Low	Tiny	Low	Tiny	Low	Tiny
Current Valuation (Equity Enterprise Value)	Fairly Valued	Under Valued	Fairly Valued	Under Valued	Under Valued	Under Valued	Under Valued	Under Valued	Under Valued	Under Valued
Buy or Sell Analysis (Average Analysts Consensus)	Not Available	Strong Buy	Strong Buy	Hold	Buy	Hold	Buy	Buy	Buy	Hold
Trade Advice (90 Days Macroaxis Advice)	Buy	Buy	Strong Hold	Strong Hold	Hold	Strong Hold	Hold	Cautious Hold	Strong Hold	Strong Hold
Current Ratio	N/A	2.12	N/A	0.13	N/A	N/A	N/A	N/A	N/A	N/A
Net Asset	2.1 B	2.66 B	3.22 B	4.21 B	3.31 B	3.43 B	2.8 B	3.36 B	4.4 B	3.28 B
Profit Margin	0.22	0.35	0.27	0.28	0.17	0.28	0.3	0.33	0.26	0.34
EBITDA	22 M	51.56 M	43.03 M	48.77 M	36.85 M	42.52 M	36.37 M	48.49 M	44.34 M	52.49 M
Operating Margin	0.31	0.45	0.45	0.43	0.15	0.45	0.21	0.5	0.44	0.47
Current Valuation	254.36 M	238.19 M	1.1 B	434.43 M	175.5 M	540.9 M	488.09 M	327.83 M	443.35 M	220.55 M
Price To Book	1.06	1.44	1.18	0.68	0.95	0.91	1.57	1.23	1.15	0.96
Retained Earnings	201.38 M	164.43 M	135.33 M	282.02 M	190.41 M	257.86 M	-67.81 M	181.59 M	251.44 M	186.49 M
Current Asset	N/A	14.9 M	N/A	141.65 M	N/A	N/A	N/A	N/A	N/A	N/A
Five Year Return	N/A	2.73	N/A	1.88	1.16	2.18	N/A	2.03	N/A	1.94
Beta	0.43	0.42	0.54	1.07	0.87	0.84	0.59	0.65	0.75	0.53
Number Of Employees	257	225	216	369	403	474	204	167	315	264
Shares Outstanding	25.08 M	13.37 M	22.93 M	17.06 M	12.72 M	13.75 M	18.14 M	7.9 M	8.23 M	14.23 M
Cash Flow From Operations	33.71 M	34.6 M	7.21 M	39.38 M	4.03 M	36.39 M	34.09 M	27.27 M	30.46 M	38.98 M
Annual Yield	N/A	0.0202	N/A	0.0306	0.0272	0.0367	0.0276	0.0171	N/A	0.0379
Total Debt	40 M	34.55 M	654.81 M	314.89 M	74.03 M	300.03 M	90.75 M	179.7 M	264.9 M	71.99 M
Return On Equity	0.0646	0.18	0.0548	0.062	0.0842	0.0944	0.12	0.12	0.0869	0.0994
Return On Asset	0.0098	0.0161	0.0092	0.0078	0.0084	0.0098	0.0097	0.0106	0.0072	0.0118
Number Of Shares Shorted	80.38 K	53.64 K	249.69 K	165.45 K	224.93 K	79.53 K	95.42 K	165.28 K	81.85 K	132.01 K
Book Value Per Share	13.27	21.27	13.78	30.68	26.26	27.3	11.97	39.19	44.89	22.74
Current Liabilities	N/A	11.16 M	N/A	969.19 M	N/A	N/A	N/A	N/A	N/A	N/A
Total Asset	2.1 B	2.66 B	3.22 B	4.21 B	3.31 B	3.43 B	2.8 B	3.36 B	4.4 B	3.28 B
Debt To Equity	11.77	0.42	6.12	0.27	11.07	7.24	N/A	9.1	11.92	10.39
Short Ratio	7.86	0.75	2.48	2.35	4.53	2.39	1.68	5.41	1.44	5.17
Target Price	N/A	39.0	18.5	22.6	32.0	30.0	21.55	52.0	64.0	25.25
Last Dividend Paid	N/A	0.57	N/A	0.64	0.68	0.9	0.4	0.8	N/A	0.8
Shares Owned By Institutions	23.22	55.52	47.76	53.18	55.5	33.65	64.46	58.12	82.82	41.4
Market Capitalization	346.71 M	407.82 M	373.83 M	357.01 M	318.3 M	336.87 M	329.02 M	369.95 M	425.55 M	308.75 M
Price To Earning	380.0	11.55	21.93	11.29	6.68	14.82	5.15	24.09	15.02	13.66
Price To Earnings To Growth	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	2.31	N/A
Price To Sales	3.74	3.41	3.55	3.14	2.01	2.82	3.74	3.45	3.7	2.76
Net Income	19.2 M	27.88 M	10.97 M	31.95 M	26.94 M	33.31 M	24.67 M	35.2 M	30.37 M	37.45 M
Earnings Per Share	0.83	3.33	1.2	1.83	2.06	2.43	1.57	4.45	3.72	2.58
Shares Owned By Insiders	58.84	12.81	19.02	6.1	10.46	8.83	25.09	15.3	6.34	25.53
Revenue	88.12 M	158.13 M	194.31 M	238 M	270.44 M	189.09 M	152.08 M	207.72 M	224.62 M	209.37 M
Working Capital	N/A	3.74 M	N/A	-827.53 M	N/A	N/A	N/A	N/A	N/A	N/A
Cash And Equivalents	376.28 M	180.25 M	277.43 M	174.78 M	162.26 M	75.86 M	87.1 M	178.33 M	160.61 M	154.04 M
Cash Per Share	14.96	31.95	12.01	9.19	13.27	5.62	4.36	23.57	20.08	10.35
Gross Profit	92.59 M	119.46 M	105.44 M	113.6 M	158.28 M	119.38 M	87.92 M	107.28 M	115.14 M	111.69 M
Day Typical Price	13.68	30.81	16.38	20.84	25.48	24.62	18.19	46.82	52.15	21.73
Accumulation Distribution	0.0253	0.029	0.0229	0.0266	0.0527	0.0374	0.0239	0.0295	0.0397	0.0236
Market Facilitation Index	0.35	0.91	0.38	0.56	1.39	0.94	0.44	1.4	2.12	0.52
Daily Balance Of Power	0.2857	-0.22	-0.08	0.1607	-0.19	-0.32	0.0455	-0.07	-0.55	-0.79
Period Momentum Indicator	0.1	-0.20	-0.03	0.09	-0.27	-0.30	0.02	-0.10	-1.17	-0.41
Rate Of Daily Change	1.01	0.99	1.0	1.0	0.99	0.99	1.0	1.0	0.98	0.98
Day Median Price	13.68	30.96	16.42	20.8	25.71	24.68	18.21	46.81	52.38	21.77
Price Action Indicator	0.075	-0.54	-0.13	0.18	-0.82	-0.33	-0.06	-0.03	-1.26	-0.33
Coefficient Of Variation	4948.69	895.04	2017.87	21882.5	-3,386	7994.29	17104.1	-28,940	231201.1	12264.15
Mean Deviation	1.29	1.24	1.03	1.2	1.45	1.86	1.45	1.28	1.47	1.33
Jensen Alpha	0.0599	0.2331	0.0913	0.0408	-0.02	0.07	0.0479	0.0234	0.0417	0.0405
Total Risk Alpha	0.1186	0.2827	0.1355	0.0902	0.0439	0.1593	0.1159	0.0802	0.1143	0.102
Sortino Ratio	0.0405	0.1522	0.0768	0.0276	N/A	0.0306	0.0234	N/A	0.0154	0.0285
Downside Variance	2.89	2.27	1.79	2.35	N/A	4.59	3.98	N/A	5.41	2.96
Standard Deviation	1.68	1.74	1.37	1.64	2.01	2.46	2.02	1.7	2.19	1.74
Kurtosis	0.5129	0.8967	0.6179	1.78	1.11	0.8502	1.47	1.14	4.33	0.7356
Potential Upside	2.87	3.55	2.57	2.64	3.42	4.61	3.61	2.53	3.36	2.47
Treynor Ratio	0.0299	0.1704	0.0783	-0.0026	-0.07	0.0189	0.0018	-0.02	-0.01	0.0051
Maximum Drawdown	8.41	8.06	6.77	10.12	10.83	13.47	11.42	8.29	13.26	9.24
Variance	2.82	3.03	1.89	2.7	4.02	6.04	4.09	2.9	4.78	3.01
Market Risk Adjusted Performance	0.0399	0.1804	0.0883	0.0074	-0.06	0.0289	0.0118	-0.01	0.002	0.0151
Risk Adjusted Performance	0.0213	0.0943	0.0436	0.0088	-0.02	0.0167	0.0107	0.0026	0.0067	0.0119
Skewness	-0.04	0.6172	0.0893	0.1176	0.2079	0.5457	0.0422	-0.41	-1.00	-0.06
Semi Deviation	1.64	1.24	1.23	1.49	N/A	2.11	1.9	N/A	2.26	1.69
Information Ratio	0.0409	0.1317	0.0749	0.0258	-0.01	0.0267	0.0231	0.017	0.0164	0.0282
Value At Risk	-2.63	-2.66	-2.44	-2.93	-3.38	-3.79	-3.30	-3.55	-2.38	-2.38
Expected Short fall	-1.37	-1.35	-1.16	-1.42	N/A	-2.15	-1.61	N/A	-1.62	-1.43
Downside Deviation	1.7	1.51	1.34	1.53	N/A	2.14	1.99	N/A	2.33	1.72
Semi Variance	2.68	1.54	1.52	2.22	N/A	4.44	3.62	N/A	5.1	2.86

Peer Performance Charts

How to Analyze Pioneer Bancorp Against Peers

Pioneer Bancorp's peer analysis compares Pioneer Bancorp with related companies to put valuation, quality, and risk metrics in context. This helps determine whether recent performance is company-specific or broadly sector-driven. A practical workflow includes:

Set a relevant peer group: Include direct competitors and close alternatives with comparable business exposure.
Benchmark core financials: Compare profitability, growth, capital structure, and cash flow quality.
Check valuation dispersion: Review whether Pioneer Bancorp trades at a premium or discount versus peers and why.
Evaluate risk profile: Compare volatility, drawdowns, and correlation to avoid false diversification assumptions.
Document the thesis: Record where Pioneer Bancorp leads or lags and what catalysts could close or widen the gap.

Use this as an educational baseline, then validate conclusions with current filings, market conditions, and portfolio objectives.

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Price To Sales Ratio	Dividend Yield
Ptb Ratio	Days Sales Outstanding
Book Value Per Share	Free Cash Flow Yield
Invested Capital	Operating Cash Flow Per Share
Average Payables	Stock Based Compensation To Revenue
Capex To Depreciation	Pb Ratio
Ev To Sales	Free Cash Flow Per Share
Roic	Inventory Turnover
Net Income Per Share	Days Of Inventory On Hand
Payables Turnover	Sales General And Administrative To Revenue
Average Inventory	Research And Ddevelopement To Revenue
Capex To Revenue	Cash Per Share
Pocfratio	Interest Coverage
Payout Ratio	Capex To Operating Cash Flow
Pfcf Ratio	Days Payables Outstanding
Net Current Asset Value	Income Quality
Roe	Tangible Asset Value
Ev To Operating Cash Flow	Pe Ratio
Return On Tangible Assets	Ev To Free Cash Flow
Earnings Yield	Intangibles To Total Assets
Net Debt To E B I T D A	Current Ratio
Tangible Book Value Per Share	Receivables Turnover
Graham Number	Shareholders Equity Per Share
Debt To Equity	Capex Per Share
Graham Net Net	Average Receivables
Revenue Per Share	Interest Debt Per Share
Debt To Assets	Enterprise Value Over E B I T D A
Short Term Coverage Ratios	Price Earnings Ratio
Operating Cycle	Price Book Value Ratio
Price Earnings To Growth Ratio	Days Of Payables Outstanding
Dividend Payout Ratio	Price To Operating Cash Flows Ratio
Price To Free Cash Flows Ratio	Pretax Profit Margin
Ebt Per Ebit	Operating Profit Margin
Effective Tax Rate	Company Equity Multiplier
Long Term Debt To Capitalization	Total Debt To Capitalization
Return On Capital Employed	Debt Equity Ratio
Ebit Per Revenue	Quick Ratio
Dividend Paid And Capex Coverage Ratio	Net Income Per E B T
Cash Ratio	Cash Conversion Cycle
Operating Cash Flow Sales Ratio	Days Of Inventory Outstanding
Days Of Sales Outstanding	Free Cash Flow Operating Cash Flow Ratio
Cash Flow Coverage Ratios	Price To Book Ratio
Fixed Asset Turnover	Capital Expenditure Coverage Ratio
Price Cash Flow Ratio	Enterprise Value Multiple
Debt Ratio	Cash Flow To Debt Ratio
Price Sales Ratio	Return On Assets
Asset Turnover	Net Profit Margin
Gross Profit Margin	Price Fair Value
Return On Equity

Pioneer Competitors

Pioneer Bancorp vs Midland States Correlation View

Very weak diversification

Moving together with Pioneer Stock

Specify up to 10 symbols:

Pioneer Bancorp Competition Correlation Matrix

Risk-Adjusted Indicators

Peer Comparison: Net Income

Pioneer Bancorp Competitive Analysis

Peer Performance Charts

How to Analyze Pioneer Bancorp Against Peers

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