Pioneer BancorpPBFS -0.18%72 EV-to-OCF is 18.43 as of Jul. 12, 2026, which is 738% above its 10-year median of 2.20. GuruFocus rates PBFS with a GF Score™ of 72/100 and a GF Value™ of $14.57 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,506 Banks companies, Pioneer Bancorp ranks worse than 86.12% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Pioneer Bancorp's Enterprise Value is $266.94 Mil.
Pioneer Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was $14.48 Mil. Therefore, Pioneer Bancorp's EV-to-OCF for today is 18.43.
The historical rank and industry rank for Pioneer Bancorp's EV-to-OCF or its related term are showing as below:
PBFS'
s EV-to-OCF Range Over the Past 10 Years
Min: -98.5 Med: 2.2 Max: 33.98
Current: 18.43
During the past 9 years, the highest EV-to-OCF of Pioneer Bancorp was 33.98. The lowest was -98.50. And the median was 2.20.
PBFS's EV-to-OCF is ranked worse than 86.12% of 1506
companies
in the Banks industry
Industry Median: 3.72
vs PBFS: 18.43
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Pioneer Bancorp's PE Ratio (TTM) for today is calculated as:
Pioneer Bancorp's share price for today is $16.86.
Pioneer Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.810.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Pioneer Bancorp EV-to-OCF Related Terms
Pioneer Bancorp EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Pioneer Bancorp's EV-to-OCF 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.
For the Banks - Regional subindustry, Pioneer Bancorp's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Pioneer Bancorp's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Pioneer Bancorp's EV-to-OCF falls into.
Pioneer Bancorp's current Enterprise Value is $266.94 Mil.
Pioneer Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $14.48 Mil.
* 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 (PBFS) has a EV-to-OCF of 18.43 as of Jul. 12, 2026. This is 738% above median its historical median of 2.20. According to the industry distribution chart, Pioneer Bancorp ranks #1297 out of 1506 companies in the Banks industry, placing it in the top 86.1%.
Is Pioneer Bancorp's EV-to-OCF too high?
Pioneer Bancorp's current EV-to-OCF of 18.43 is 738% above median its 10-year median of 2.20. The Banks industry median EV-to-OCF is 3.72. Pioneer Bancorp's value of 18.43 is 395.4% above this industry median. Based on the distribution chart, Pioneer Bancorp ranks #1297 out of 1506 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 EV-to-OCF compare to ISTR and FRST?
According to the Banks industry distribution chart, Pioneer Bancorp ranks #1297 out of 1506 companies for EV-to-OCF. This places Pioneer Bancorp in the lower half of its industry. The industry median EV-to-OCF is 3.72. Pioneer Bancorp's value of 18.43 is 395.4% above this benchmark. While the company's 10-year median is 2.20 vs. the industry median of 3.72, Pioneer Bancorp 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.72, based on 1,506 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pioneer Bancorp's current EV-to-OCF of 18.43 is 395.4% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pioneer Bancorp's current EV-to-OCF is 18.43, which is 738% above median its own 10-year median of 2.20. 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 $14.57, compared to a current price of $16.86 — trading 15.7% above its estimated fair value. The current EV-to-OCF is 18.43, which is 738% above median its 10-year median of 2.20 and 395.4% above the Banks industry median of 3.72. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Pioneer Bancorp (PBFS), the current EV-to-OCF is 18.43 as of Jul. 12, 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 $16.86 is trading 15.7% above its estimated GF Value™ of $14.57.
GuruFocus considers Pioneer Bancorp to be Modestly Overvalued.
Key valuation signals for PBFS:
EV-to-OCF: 18.43 (738% above median its 10-year median of 2.20)
GF Value™: $14.57 vs. price of $16.86 (15.7% above fair value)
Industry Position: 395.4% above the Banks median (#1297 of 1506)
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.
72GF Score
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