Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Pioneer BankcorpPBKC 60 3-Year EPS without NRI Growth Rate is 21.40% as of Mar. 2026, which is at its 10-year median of 21.40. GuruFocus rates PBKC with a GF Score™ of 60/100 and a GF Value™ of $64.60 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,402 Banks companies, Pioneer Bankcorp ranks better than 77.6% on this metric.
During the past 12 months, Pioneer Bankcorp's average EPS without NRI Growth Rate was 24.80% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 21.40% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 21.10% 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 EPS without NRI growth rate.
During the past 7 years, the highest 3-Year average EPS without NRI Growth Rate of Pioneer Bankcorp was 21.50% per year. The lowest was 18.00% per year. And the median was 21.40% per year.
Pioneer Bankcorp (OTCPK:PBKC) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Pioneer Bankcorp 3-Year EPS without NRI Growth Rate Related Terms
PBKC vs FDVA, SOBS, AUBN: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Regional subindustry, Pioneer Bankcorp's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI 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 Bankcorp 3-Year EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Pioneer Bankcorp's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Pioneer Bankcorp's 3-Year EPS without NRI Growth Rate falls into.
Pioneer Bankcorp 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. 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 EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 21.40% mean?
Pioneer Bankcorp (PBKC) has a 3-Year EPS without NRI Growth Rate of 21.40% as of Mar. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Pioneer Bankcorp and its competitors. This is near median its historical median of 21.40. Over the past decade, Pioneer Bankcorp's 3-Year EPS without NRI Growth Rate has ranged from 18.00 to 21.50. According to the industry distribution chart, Pioneer Bankcorp ranks #314 out of 1402 companies in the Banks industry, placing it in the top 22.4%.
Is Pioneer Bankcorp's 3-Year EPS without NRI Growth Rate too high?
Pioneer Bankcorp's current 3-Year EPS without NRI Growth Rate of 21.40% is near median its 10-year median of 21.40. Over the past 10 years, this metric has ranged from a low of 18.00 to a high of 21.50. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.60. Pioneer Bankcorp's value of 21.40% is 181.6% above this industry median. Based on the distribution chart, Pioneer Bankcorp ranks #314 out of 1402 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 Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pioneer Bankcorp's 3-Year EPS without NRI Growth Rate compare to FDVA and SOBS?
According to the Banks industry distribution chart, Pioneer Bankcorp ranks #314 out of 1402 companies for 3-Year EPS without NRI Growth Rate. This places Pioneer Bankcorp in the top 22% of its industry — outperforming the majority of peers. The industry median 3-Year EPS without NRI Growth Rate is 7.60. Pioneer Bankcorp's value of 21.40% is 181.6% above this benchmark. Historically, Pioneer Bankcorp's own 3-Year EPS without NRI Growth Rate has ranged from 18.00 to 21.50 over the past decade. While the company's 10-year median is 21.40 vs. the industry median of 7.60, Pioneer Bankcorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.60, based on 1,402 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pioneer Bankcorp's current 3-Year EPS without NRI Growth Rate of 21.40% is 181.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Pioneer Bankcorp and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pioneer Bankcorp's current 3-Year EPS without NRI Growth Rate is 21.40%, which is near median its own 10-year median of 21.40. 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 Modestly Overvalued. The stock's GF Value™ is $64.60, compared to a current price of $84.00 — trading 30% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 21.40%, which is near median its 10-year median of 21.40 and 181.6% above the Banks industry median of 7.60. 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 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Pioneer Bankcorp (PBKC), the current 3-Year EPS without NRI Growth Rate is 21.40% 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 $84.00 is trading 30% above its estimated GF Value™ of $64.60.
GuruFocus considers Pioneer Bankcorp to be Modestly Overvalued.
Key valuation signals for PBKC:
3-Year EPS without NRI Growth Rate: 21.40% (near median its 10-year median of 21.40)
GF Value™: $64.60 vs. price of $84.00 (30% above fair value)
Industry Position: 181.6% above the Banks median (#314 of 1402)
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
Get the complete analysis for PBKC
3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PBKC has been successfully added to your 
