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During the past 12 months, Pioneer Bancorp's average Free Cash Flow per Share Growth Rate was 46.80% per year.
During the past 3 years, the average Free Cash Flow per Share Growth Rate was -43.20% per year.
During the past 5 years, the average Free Cash Flow per Share Growth Rate was 53.20% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Free Cash Flow per Share growth rate.
During the past 9 years, the highest 3-Year average Free Cash Flow per Share Growth Rate of Pioneer Bancorp was 328.90% per year. The lowest was -61.30% per year. And the median was -6.15% per year.
Free Cash Flow per Share is the amount of Free Cash Flow per outstanding share of the company's stock. Free Cash Flow is considered one of the most important parameters to measure a company's earnings power by value investors because it is not subject to estimates of Depreciation, Depletion and Amortization (DDA). However, when we look at the Free Cash Flow, we should look from a long term perspective, because any year's Free Cash Flow can be drastically affected by the spending on Property, Plant, & Equipment (PPE) of the business in that year. Over the long term, Free Cash Flow should give pretty good picture on the real earnings power of the company. It's used in the calculation of Forward Rate of Return (Yacktman) %.
Pioneer Bancorp 3-Year FCF Growth Rate Related Terms
PBFS vs RBB, GBFH, FRBA: 3-Year FCF Growth Rate Comparison
For the Banks - Regional subindustry, Pioneer Bancorp's 3-Year FCF Growth Rate, along with its competitors' market caps and 3-Year FCF Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Pioneer Bancorp 3-Year FCF Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Pioneer Bancorp's 3-Year FCF Growth Rate distribution charts can be found below:
* The bar in red indicates where Pioneer Bancorp's 3-Year FCF Growth Rate falls into.
This is the 3-year average growth rate of Free Cash Flow per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Free Cash Flow per Share growth rate.
What does a 3-Year FCF Growth Rate of -43.20% mean?
Pioneer Bancorp (PBFS) has a 3-Year FCF Growth Rate of -43.20% as of Jun. 2026. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for Pioneer Bancorp and its competitors. According to the industry distribution chart, Pioneer Bancorp ranks #949 out of 1050 companies in the Banks industry, placing it in the top 90.4%.
Is Pioneer Bancorp's 3-Year FCF Growth Rate too high?
Pioneer Bancorp's current 3-Year FCF Growth Rate is -43.20%. Based on the distribution chart, Pioneer Bancorp ranks #949 out of 1050 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Pioneer Bancorp has a GF Score™ of 70/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pioneer Bancorp's 3-Year FCF Growth Rate compare to RBB and GBFH?
According to the Banks industry distribution chart, Pioneer Bancorp ranks #949 out of 1050 companies for 3-Year FCF Growth Rate. This places Pioneer Bancorp in the lower half of its industry. The industry median 3-Year FCF Growth Rate is 0.45. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year FCF Growth Rate for a Banks company?
The median 3-Year FCF Growth Rate among Banks companies is 0.45, based on 1,050 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year FCF Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year FCF Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year FCF Growth Rate mean?
A high 3-Year FCF Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for Pioneer Bancorp and its competitors. For the Banks industry, the median 3-Year FCF Growth Rate is 0.45 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pioneer Bancorp's current 3-Year FCF Growth Rate is -43.20%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pioneer Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Pioneer Bancorp (PBFS) is currently considered Modestly Overvalued. The stock's GF Value™ is $15.19, compared to a current price of $17.64 — trading 16.1% above its estimated fair value. The current 3-Year FCF Growth Rate is -43.20%. Pioneer Bancorp's overall GF Score™ is 70/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year FCF Growth Rate calculated?
3-Year FCF Growth Rate is calculated from a company's financial statements. For Pioneer Bancorp (PBFS), the current 3-Year FCF Growth Rate is -43.20% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Pioneer Bancorp (PBFS) Overvalued in 2026?
Based on GuruFocus' analysis, Pioneer Bancorp stock appears to be overvalued.
The current stock price of $17.64 is trading 16.1% above its estimated GF Value™ of $15.19.
GuruFocus considers Pioneer Bancorp to be Modestly Overvalued.
Key valuation signals for PBFS:
3-Year FCF Growth Rate: -43.20%
GF Value™: $15.19 vs. price of $17.64 (16.1% above fair value)
No single metric tells the full story. See the PBFS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Pioneer Bancorp Inc is involved in providing banking services. These services include Personal services such as Checking, Savings, eBanking Cards, and Business services such as Business Deposit and operating Accounts, Business eBanking, and Business loans. Some of the other services of the company include Government Banking, Wealth Management, Benefits Consulting and Insurance.
70GF Score
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3-Year FCF Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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