PBFS (Pioneer Bancorp) Debt-to-Equity: 0.00 (As of Mar. 2026)


PBFS Pioneer Bancorp Inc PBFS
72 GF Score
Price $17.42
GF Value $14.53
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Pioneer Bancorp Debt-to-Equity?

Pioneer Bancorp PBFS -0.43% 72 Debt-to-Equity is 0.00 as of Mar. 2026. GuruFocus rates PBFS with a GF Score™ of 72/100 and a GF Value™ of $14.53 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,424 Banks companies, Pioneer Bancorp ranks worse than 70224.65% on this metric.

Pioneer Bancorp's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2026 was $0.00 Mil. Pioneer Bancorp's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2026 was $0.00 Mil. Pioneer Bancorp's Total Stockholders Equity for the quarter that ended in Mar. 2026 was $328.59 Mil. Pioneer Bancorp's debt to equity for the quarter that ended in Mar. 2026 was 0.00.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for Pioneer Bancorp's Debt-to-Equity or its related term are showing as below:

PBFS's Debt-to-Equity is not ranked *
in the Banks industry.
Industry Median: 0.56
* Ranked among companies with meaningful Debt-to-Equity only.

Pioneer Bancorp  (NAS:PBFS) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

Pioneer Bancorp Debt-to-Equity Related Terms

Pioneer Bancorp Debt-to-Equity Historical Data

* Premium members only.

The historical data trend for Pioneer Bancorp's Debt-to-Equity 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 Bancorp Debt-to-Equity Chart

Pioneer Bancorp Annual Data
Trend Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Dec25
Debt-to-Equity
Get a 7-Day Free Trial Premium Member Only 0.00 0.00 0.00 0.00 0.00

Pioneer Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Debt-to-Equity 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

PBFS vs ISTR, FRST, PLBC: Debt-to-Equity Comparison

For the Banks - Regional subindustry, Pioneer Bancorp's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry

For the Banks industry and Financial Services sector, Pioneer Bancorp's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where Pioneer Bancorp's Debt-to-Equity falls into.


PBFS
72GF Score
Pioneer Bancorp Inc PBFS
Debt-to-Equity is just one metric. See GF Score™, valuation, warning signs, and more.
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Pioneer Bancorp Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

Pioneer Bancorp's Debt to Equity Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Debt to Equity=Total Debt / Total Stockholders Equity
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Stockholders Equity
=(0 + 0) / 323.861
=0.00

Pioneer Bancorp's Debt to Equity Ratio for the quarter that ended in Mar. 2026 is calculated as

Debt to Equity=Total Debt / Total Stockholders Equity
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Stockholders Equity
=(0 + 0) / 328.585
=0.00

* 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.

Frequently Asked Questions Learn more about Debt-to-Equity →
What does a Debt-to-Equity of 0.00 mean?
Pioneer Bancorp (PBFS) has a Debt-to-Equity of 0.00 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Pioneer Bancorp and its competitors. According to the industry distribution chart, Pioneer Bancorp ranks #999999 out of 1424 companies in the Banks industry.
Is Pioneer Bancorp's Debt-to-Equity too high?
Pioneer Bancorp's current Debt-to-Equity is 0.00. Based on the distribution chart, Pioneer Bancorp ranks #999999 out of 1424 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Pioneer Bancorp has a GF Score™ of 72/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pioneer Bancorp's Debt-to-Equity compare to ISTR and FRST?
According to the Banks industry distribution chart, Pioneer Bancorp ranks #999999 out of 1424 companies for Debt-to-Equity. This places Pioneer Bancorp in the lower half of its industry. The industry median Debt-to-Equity is 0.56. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,424 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Pioneer Bancorp and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pioneer Bancorp's current Debt-to-Equity is 0.00. 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 $14.53, compared to a current price of $17.42 — trading 19.9% above its estimated fair value. The current Debt-to-Equity is 0.00. Pioneer Bancorp's overall GF Score™ is 72/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Pioneer Bancorp (PBFS), the current Debt-to-Equity is 0.00 as of Mar. 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 $17.42 is trading 19.9% above its estimated GF Value™ of $14.53. GuruFocus considers Pioneer Bancorp to be Modestly Overvalued.

Key valuation signals for PBFS:

  • Debt-to-Equity: 0.00
  • GF Value™: $14.53 vs. price of $17.42 (19.9% above fair value)
  • GF Score™: 72/100 with 4 warning signs

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 Business Description

Address 652 Albany Shaker Road, Albany, NY, USA, 12211
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.
72GF Score

Get the complete analysis for PBFS

Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.42
Price
$14.53
GF Value