Pioneer BancorpPBFS -0.06%72 FCF Yield % is 3.07 as of Jun. 25, 2026, which is 67% below its 10-year median of 9.36. GuruFocus rates PBFS with a GF Score™ of 72/100 and a GF Value™ of $14.45 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,504 Banks companies, Pioneer Bancorp ranks worse than 67.89% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Pioneer Bancorp FCF Yield % Related Terms
Pioneer Bancorp FCF Yield % Historical Data
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The historical data trend for Pioneer Bancorp's FCF Yield % 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 FCF Yield %, along with its competitors' market caps and FCF Yield % 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 FCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Pioneer Bancorp's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Pioneer Bancorp's FCF Yield % 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 Bancorp (PBFS) has a FCF Yield % of 3.07 as of Jun. 25, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Pioneer Bancorp and its competitors. This is 67% below median its historical median of 9.36. According to the industry distribution chart, Pioneer Bancorp ranks #1021 out of 1504 companies in the Banks industry, placing it in the top 67.9%.
Is Pioneer Bancorp's FCF Yield % too high?
Pioneer Bancorp's current FCF Yield % of 3.07 is 67% below median its 10-year median of 9.36. The Banks industry median FCF Yield % is 8.24. Pioneer Bancorp's value of 3.07 is 62.7% below this industry median. Based on the distribution chart, Pioneer Bancorp ranks #1021 out of 1504 companies in the Banks industry, which is below the industry midpoint. 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 FCF Yield % compare to PLBC and PKBK?
According to the Banks industry distribution chart, Pioneer Bancorp ranks #1021 out of 1504 companies for FCF Yield %. This places Pioneer Bancorp in the lower half of its industry. The industry median FCF Yield % is 8.24. Pioneer Bancorp's value of 3.07 is 62.7% below this benchmark. While the company's 10-year median is 9.36 vs. the industry median of 8.24, Pioneer Bancorp has consistently been below 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 FCF Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.24, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pioneer Bancorp's current FCF Yield % of 3.07 is 62.7% below 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 FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Pioneer Bancorp and its competitors. For the Banks industry, the median FCF Yield % is 8.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pioneer Bancorp's current FCF Yield % is 3.07, which is 67% below median its own 10-year median of 9.36. 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 $14.45, compared to a current price of $17.22 — trading 19.2% above its estimated fair value. The current FCF Yield % is 3.07, which is 67% below median its 10-year median of 9.36 and 62.7% below the Banks industry median of 8.24. 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 FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Pioneer Bancorp (PBFS), the current FCF Yield % is 3.07 as of Jun. 25, 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 $17.22 is trading 19.2% above its estimated GF Value™ of $14.45.
GuruFocus considers Pioneer Bancorp to be Modestly Overvalued.
Key valuation signals for PBFS:
FCF Yield %: 3.07 (67% below median its 10-year median of 9.36)
GF Value™: $14.45 vs. price of $17.22 (19.2% above fair value)
Industry Position: 62.7% below the Banks median (#1021 of 1504)
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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