PBFS
Pioneer Bancorp
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NASDAQ: PBFS
- PE Ratio
As of Jul 24, 2026, the Pioneer Bancorp stock's price-to-earnings ratio is 21.63. This results from the current EPS of $0.82 and stock price of $17.74. The PE ratio has increased by 37% from the past four quarters average of 15.8.
PBFS PE ratio history
The PE ratio of Pioneer Bancorp has averaged 47.84 over the last seven years. The current P/E ratio of 21.63 is 55% lower than the historical average. In the past seven years, PBFS's PE ratio peaked in the Sep 2021 quarter at 316, when the stock price was $12.64 and the EPS was $0.04. The lowest point was in the Jun 2023 quarter, when it reached 10.29 with a price of $8.95 and an EPS of $0.87.
Pioneer Bancorp PE ratio by year
Maximum annual increase: 589.69% in 2021
Maximum annual decrease: -92.05% in 2022
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 16.24 | -1.04% | $13.48 | $0.83 |
| 2024 | 16.41 | 59.48% | $10.01 | $0.61 |
| 2023 | 10.29 | -56.95% | $8.95 | $0.87 |
| 2022 | 23.9 | -92.05% | $9.8 | $0.41 |
| 2021 | 300.5 | 589.69% | $12.02 | $0.04 |
| 2020 | 43.57 | N/A | $9.15 | $0.21 |
| 2019 | N/A | N/A | N/A | N/A |
| 2018 | N/A | N/A | N/A | N/A |
| 2017 | N/A | N/A | N/A | N/A |
Pioneer Bancorp PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 16.98 | 4.56% | $13.92 | $0.82 |
| Dec 2025 | 16.24 | -0.55% | $13.48 | $0.83 |
| Sep 2025 | 16.33 | 18.08% | $13.06 | $0.8 |
| Jun 2025 | 13.83 | -9.07% | $12.03 | $0.87 |
| Mar 2025 | 15.21 | -3.61% | $11.71 | $0.77 |
| Dec 2024 | 15.78 | 3.54% | $11.52 | $0.73 |
| Sep 2024 | 15.24 | -7.13% | $10.97 | $0.72 |
| Jun 2024 | 16.41 | 5.39% | $10.01 | $0.61 |
| Mar 2024 | 15.57 | 5.77% | $9.81 | $0.63 |
| Dec 2023 | 14.72 | 39.66% | $10.01 | $0.68 |
| Sep 2023 | 10.54 | 2.43% | $8.54 | $0.81 |
| Jun 2023 | 10.29 | -16.55% | $8.95 | $0.87 |
| Mar 2023 | 12.33 | -38.35% | $9.86 | $0.8 |
| Dec 2022 | 20 | 19.76% | $11.4 | $0.57 |
| Sep 2022 | 16.7 | -30.13% | $9.52 | $0.57 |
PBFS Price vs fair value
PBFS average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
The current PE ratio of PBFS is higher than its 3-year historical average, but it is lower than the 5-year average.
PE comparison
With a P/E of 21.63, PBFS stands above the Financial Services sector and the industry average. In comparison with its Financial Services sector average of 13.51, Pioneer Bancorp's P/E is 60% higher.
PBFS PE vs peers
PBFS's PE ratio stands higher than its peer stocks NRIM and NKSH.
| Stock name | PE ratio | Market cap |
|---|---|---|
| NRIM Northrim Bancorp Inc | 9.21 | $602.61M |
| NKSH National Bankshares Inc | 13.28 | $233.34M |
| PBFS Pioneer Bancorp Inc | 21.63 | $444.86M |
Frequently asked questions
What is Pioneer Bancorp's PE ratio?
The price to earnings ratio for PBFS stock is 21.63 as of Jul 24, 2026.
What is the 3-year average PE ratio for Pioneer Bancorp (PBFS)?
The average PE ratio for PBFS stock over the past 3 years is 15.17.
What is the 5-year average PE ratio for Pioneer Bancorp (PBFS)?
The average PE ratio for PBFS stock over the past 5 years is 35.89.
What is the highest PE ratio for PBFS?
The highest quarterly PE ratio in the last seven years has been 316 and it was in the Sep 2021 quarter.
How does the current PE ratio for PBFS compare to its historical average?
PBFS's price to earnings ratio is currently 55% below its 7-year historical average.
How is PBFS's PE ratio calculated (Pioneer Bancorp PE ratio formula)?
You can calculate the P/E ratio by dividing the most recent stock price by the trailing twelve months EPS. As of today (Jul 24, 2026), Pioneer Bancorp's stock price is $17.74. The earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $0.82. Therefore, Pioneer Bancorp's PE ratio for today is 21.63. PE RATIO(21.63) = STOCK PRICE($17.74) / TTM EPS($0.82)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.