Pioneer Bancorp Inc/NY (PBFS)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$18.54+2.83%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · PBFS
Price, fair value, and the multiples that frame it on the same time axis. Scroll over the price chart to zoom.
Daily closes. Earnings/event dots inline.
A consensus fair price across 6 valuation methods, at three horizons. As of 2026-09-04. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $19 PBFS trades at 1.4× p/b, in line with its 1.2× p/b peer median — but our blended $13 fair value sits well below the price. It's a high-confidence read. Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
Score 100 = cheapest in the cohort, 0 = richest. Bars are filled left-to-right based on the peer-relative score (or PEG/self-history where shown).
Each method's implied share price per horizon. Provisional rows use a projected (historical-CAGR) growth input rather than analyst or management guidance.
| Method | Horizon | Est. price | Multiple | Per-share input | EPS source | Confidence |
|---|---|---|---|---|---|---|
| graham number | 12M | $14.45 | — | — | TTM | high |
| Peer P/B | 12M | $16.74 | 1.2 | 13.49 | TTM | high |
| Peer P/E | 12M | $8.21 | 11.9 | 0.69 | TTM | high |
| Peer P/S | 12M | $2.11 | 3.2 | 0.67 | TTM | high |
| residual income | 12M |
A “consensus-then vs. actual-now” overlay is on the way — what our valuation estimate said on a past date versus where the price actually landed.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A long-thesis check that carries the widest uncertainty of the three horizons.
Top 25% on quality vs scored peers
A second lens on the 12-month fair value: for companies that score high on measured quality (profitability, balance-sheet safety, earnings stability), this read trusts more of today's profit margins instead of averaging them toward their multi-year history the way the headline number does. Shown alongside the fair value above, not in place of it. A diagnostic, not a price target or a buy/sell signal.
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
Flags: expensive valuation, weak execution quality. Capped at elevated by the Mania regime.
For similar setups historically (n=2,301): about 43% saw a 20%+ drawdown, and roughly 77% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Looks more expensive than peers.
Richer than its own typical valuation.
Trailing four: 2026-Q1, 2026-Q2, 2026-Q3, 2026-Q4
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
| $12.19 |
| — |
| — |
| TTM |
| high |
| Own P/E history | 12M | $14.42 | 21.0 | 0.69 | TTM | high |
| Peer P/B | 3Y | $20.61 | 1.2 | 16.61 | Hist. CAGR(prov.) | medium |
| Peer P/E | 3Y | $11.46 | 11.9 | 0.96 | Hist. CAGR(prov.) | medium |
| Peer P/S | 3Y | $2.63 | 3.2 | 0.83 | Hist. CAGR(prov.) | medium |
| Own P/E history | 3Y | $20.12 | 21.0 | 0.96 | Hist. CAGR(prov.) | medium |
| Peer P/B | 5Y | $23.67 | 1.2 | 19.08 | Hist. CAGR(prov.) | high |
| Peer P/E | 5Y | $13.29 | 11.9 | 1.11 | Hist. CAGR(prov.) | high |
| Peer P/S | 5Y | $3.05 | 3.2 | 0.97 | Hist. CAGR(prov.) | high |
| Own P/E history | 5Y | $23.33 | 21.0 | 1.11 | Hist. CAGR(prov.) | high |