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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 Bankcorp's Debt-to-Equity or its related term are showing as below:
PBKC'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.04 Med: 0.11 Max: 0.15
Current: 0.09
During the past 7 years, the highest Debt-to-Equity Ratio of Pioneer Bankcorp was 0.15. The lowest was 0.04. And the median was 0.11.
PBKC's Debt-to-Equity is ranked better than 89.77% of 1417
companies
in the Banks industry
Industry Median: 0.57
vs PBKC: 0.09
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 Bankcorp Debt-to-Equity Related Terms
Pioneer Bankcorp Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Pioneer Bankcorp'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.
PBKC vs UBCP, CBKM, SSBI: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Pioneer Bankcorp'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 Bankcorp Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Pioneer Bankcorp's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Pioneer Bankcorp's Debt-to-Equity falls into.
* 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 (PBKC) 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 Bankcorp and its competitors. Over the past decade, Pioneer Bankcorp's Debt-to-Equity has ranged from 0.04 to 0.15. According to the industry distribution chart, Pioneer Bankcorp ranks #145 out of 1417 companies in the Banks industry, placing it in the top 10.2%.
Is Pioneer Bankcorp's Debt-to-Equity too high?
Pioneer Bankcorp's current Debt-to-Equity is 0.00. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 0.15. Based on the distribution chart, Pioneer Bankcorp ranks #145 out of 1417 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Pioneer Bankcorp has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pioneer Bankcorp's Debt-to-Equity compare to UBCP and CBKM?
According to the Banks industry distribution chart, Pioneer Bankcorp ranks #145 out of 1417 companies for Debt-to-Equity. This places Pioneer Bankcorp in the top 10% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.57. Historically, Pioneer Bankcorp's own Debt-to-Equity has ranged from 0.04 to 0.15 over the past decade. 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 0.57, based on 1,417 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 Bankcorp and its competitors. For the Banks industry, the median Debt-to-Equity is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pioneer Bankcorp'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 Bankcorp stock overvalued right now?
Based on GuruFocus' analysis, Pioneer Bankcorp (PBKC) is currently considered Significantly Overvalued. The stock's GF Value™ is $63.31, compared to a current price of $83.00 — trading 31.1% above its estimated fair value. The current Debt-to-Equity is 0.00. Pioneer Bankcorp's overall GF Score™ is 60/100 with 6 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 Bankcorp (PBKC), 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 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 31.1% above its estimated GF Value™ of $63.31.
GuruFocus considers Pioneer Bankcorp to be Significantly Overvalued.
Key valuation signals for PBKC:
Debt-to-Equity: 0.00
GF Value™: $63.31 vs. price of $83.00 (31.1% above fair value)
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 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
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