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Pioneer BancorpPBFS +1.10%70 Equity-to-Asset is 0.15 as of Mar. 2026, which is 7% above its 10-year median of 0.14. GuruFocus rates PBFS with a GF Score™ of 70/100 and a GF Value™ of $14.59 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,529 Banks companies, Pioneer Bancorp ranks better than 86.4% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Pioneer Bancorp's Total Stockholders Equity for the quarter that ended in Mar. 2026 was $328.59 Mil. Pioneer Bancorp's Total Assets for the quarter that ended in Mar. 2026 was $2,221.00 Mil.
Therefore, Pioneer Bancorp's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.15.
The historical rank and industry rank for Pioneer Bancorp's Equity-to-Asset or its related term are showing as below:
PBFS'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08 Med: 0.14 Max: 0.16
Current: 0.15
During the past 9 years, the highest Equity to Asset Ratio of Pioneer Bancorp was 0.16. The lowest was 0.08. And the median was 0.14.
PBFS's Equity-to-Asset is ranked better than 86.4% of 1529
companies
in the Banks industry
Industry Median: 0.1
vs PBFS: 0.15
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Pioneer Bancorp Equity-to-Asset Related Terms
Pioneer Bancorp Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Pioneer Bancorp's Equity-to-Asset 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.
PBFS vs ISTR, FRST, PLBC: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Pioneer Bancorp's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Pioneer Bancorp's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Pioneer Bancorp's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Pioneer Bancorp's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.15 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Pioneer Bancorp and its competitors. This is near median its historical median of 0.14. Over the past decade, Pioneer Bancorp's Equity-to-Asset has ranged from 0.08 to 0.16. According to the industry distribution chart, Pioneer Bancorp ranks #208 out of 1529 companies in the Banks industry, placing it in the top 13.6%.
Is Pioneer Bancorp's Equity-to-Asset too high?
Pioneer Bancorp's current Equity-to-Asset of 0.15 is near median its 10-year median of 0.14. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 0.16. The Banks industry median Equity-to-Asset is 0.10. Pioneer Bancorp's value of 0.15 is 50% above this industry median. Based on the distribution chart, Pioneer Bancorp ranks #208 out of 1529 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Pioneer Bancorp has a GF Score™ of 70/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pioneer Bancorp's Equity-to-Asset compare to ISTR and FRST?
According to the Banks industry distribution chart, Pioneer Bancorp ranks #208 out of 1529 companies for Equity-to-Asset. This places Pioneer Bancorp in the top 14% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. Pioneer Bancorp's value of 0.15 is 50% above this benchmark. Historically, Pioneer Bancorp's own Equity-to-Asset has ranged from 0.08 to 0.16 over the past decade. While the company's 10-year median is 0.14 vs. the industry median of 0.10, 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pioneer Bancorp's current Equity-to-Asset of 0.15 is 50% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Pioneer Bancorp and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pioneer Bancorp's current Equity-to-Asset is 0.15, which is near median its own 10-year median of 0.14. 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 $14.59, compared to a current price of $17.08 — trading 17% above its estimated fair value. The current Equity-to-Asset is 0.15, which is near median its 10-year median of 0.14 and 50% above the Banks industry median of 0.10. Pioneer Bancorp's overall GF Score™ is 70/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Pioneer Bancorp (PBFS), the current Equity-to-Asset is 0.15 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 $17.08 is trading 17% above its estimated GF Value™ of $14.59.
GuruFocus considers Pioneer Bancorp to be Modestly Overvalued.
Key valuation signals for PBFS:
Equity-to-Asset: 0.15 (near median its 10-year median of 0.14)
GF Value™: $14.59 vs. price of $17.08 (17% above fair value)
Industry Position: 50% above the Banks median (#208 of 1529)
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.
70GF Score
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