Pioneer BankcorpPBKC 60 FCF Margin % is 0.00% as of Mar. 2026. GuruFocus rates PBKC with a GF Score™ of 60/100 and a GF Value™ of $62.67 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,505 Banks companies, Pioneer Bankcorp ranks better than 54.82% on this metric.
The historical rank and industry rank for Pioneer Bankcorp's FCF Margin % or its related term are showing as below:
PBKC'
s FCF Margin % Range Over the Past 10 Years
Min: 19.54 Med: 30.03 Max: 36.49
Current: 29.11
During the past 7 years, the highest FCF Margin % of Pioneer Bankcorp was 36.49%. The lowest was 19.54%. And the median was 30.03%.
PBKC's FCF Margin % is ranked better than 54.82% of 1505
companies
in the Banks industry
Industry Median: 26.55
vs PBKC: 29.11
Pioneer Bankcorp FCF Margin % Related Terms
Pioneer Bankcorp FCF Margin % Historical Data
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The historical data trend for Pioneer Bankcorp's FCF Margin % 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 Bankcorp's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Pioneer Bankcorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Pioneer Bankcorp's FCF Margin % 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 FCF Margin % of 0.00% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Pioneer Bankcorp and its competitors. Over the past decade, Pioneer Bankcorp's FCF Margin % has ranged from 19.54 to 36.49. According to the industry distribution chart, Pioneer Bankcorp ranks #680 out of 1505 companies in the Banks industry, placing it in the top 45.2%.
Is Pioneer Bankcorp's FCF Margin % too high?
Pioneer Bankcorp's current FCF Margin % is 0.00%. Over the past 10 years, this metric has ranged from a low of 19.54 to a high of 36.49. Based on the distribution chart, Pioneer Bankcorp ranks #680 out of 1505 companies in the Banks industry, which is above the industry midpoint. 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 FCF Margin % compare to PBHC and BKSC?
According to the Banks industry distribution chart, Pioneer Bankcorp ranks #680 out of 1505 companies for FCF Margin %. This puts Pioneer Bankcorp in the upper half of its industry. The industry median FCF Margin % is 26.55. Historically, Pioneer Bankcorp's own FCF Margin % has ranged from 19.54 to 36.49 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Pioneer Bankcorp and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pioneer Bankcorp's current FCF Margin % 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 $62.67, compared to a current price of $84.00 — trading 34% above its estimated fair value. The current FCF Margin % 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Pioneer Bankcorp (PBKC), the current FCF Margin % 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 $84.00 is trading 34% above its estimated GF Value™ of $62.67.
GuruFocus considers Pioneer Bankcorp to be Significantly Overvalued.
Key valuation signals for PBKC:
FCF Margin %: 0.00%
GF Value™: $62.67 vs. price of $84.00 (34% 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.
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