PBKC (Pioneer Bankcorp) Cyclically Adjusted PS Ratio: (As of Jul. 07, 2026)


PBKC Pioneer Bankcorp Inc PBKC
60 GF Score
Price $83.00
GF Value $62.94
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Pioneer Bankcorp Cyclically Adjusted PS Ratio?

Pioneer Bankcorp does not have a history long enough to calculate Cyclically Adjusted Revenue per Share. Therefore GuruFocus does not calculate Cyclically Adjusted PS Ratio for this company.

Shiller PE for Stocks: The True Measure of Stock Valuation


Pioneer Bankcorp  (OTCPK:PBKC) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.


Pioneer Bankcorp Cyclically Adjusted PS Ratio Related Terms


Pioneer Bankcorp Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for Pioneer Bankcorp's Cyclically Adjusted PS Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Pioneer Bankcorp Cyclically Adjusted PS Ratio Chart

Pioneer Bankcorp Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial 0.00 0.00 0.00 0.00 0.00

Pioneer Bankcorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted PS Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

PBKC vs UBCP, CBKM, SSBI: Cyclically Adjusted PS Ratio Comparison

For the Banks - Regional subindustry, Pioneer Bankcorp's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio 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 Bankcorp Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Pioneer Bankcorp's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Pioneer Bankcorp's Cyclically Adjusted PS Ratio falls into.


PBKC
60GF Score
Pioneer Bankcorp Inc PBKC
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Pioneer Bankcorp Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.

Pioneer Bankcorp does not have a history long enough to calculate Cyclically Adjusted Revenue per Share. Therefore GuruFocus does not calculate Cyclically Adjusted PS Ratio for this company.

Is Pioneer Bankcorp (PBKC) Overvalued in 2026?

Based on GuruFocus' analysis, Pioneer Bankcorp stock appears to be overvalued. The current stock price of $83.00 is trading 31.9% above its estimated GF Value™ of $62.94. GuruFocus considers Pioneer Bankcorp to be Significantly Overvalued.

Key valuation signals for PBKC:

  • Cyclically Adjusted PS Ratio:
  • GF Value™: $62.94 vs. price of $83.00 (31.9% above fair value)
  • GF Score™: 60/100 with 6 warning signs

No single metric tells the full story. See the PBKC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Pioneer Bankcorp Business Description

Address 300 East Sugarland Highway, P.O. Box 1237, Clewiston, FL, USA, 33440
Pioneer Bankcorp Inc is a bank holding company incorporated in Florida. The Bank is a state-chartered, FDIC-insured bank headquartered in Clewiston, Florida, and conducts business from three banking offices in Hendry County and other banking offices in surrounding counties. The company has identified five portfolio segments of loans, real estate - commercial; real estate - residential; real estate - construction, development, land; commercial; and consumer and other. The majority of its revenues are interest earned on loans, investment securities, and other financial instruments.
60GF Score

Get the complete analysis for PBKC

Cyclically Adjusted PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$83.00
Price
$62.94
GF Value