Pioneer Bancorp (Pioneer Bancorp) GF Value

: $13.87 (As of Today)

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The GF Value represents the current intrinsic value of a stock derived from our exclusive method. The GF Value Line on our summary page gives an overview of the fair value that the stock should be traded at. It is calculated based on three factors:

Historical multiples (PE Ratio, PS Ratio, PB Ratio and Price-to-Free-Cash-Flow) that the stock has traded at.
GuruFocus adjustment factor based on the company’s past returns and growth.
Future estimates of the business performance.

We believe the GF Value Line is the fair value that the stock should be traded at. The stock price will most likely fluctuate around the GF Value Line. If the stock price is significantly above the GF Value Line, it is overvalued and its future return is likely to be poor. On the other hand, if it is significantly below the GF Value Line, its future return will likely be higher.

Please note, "Possible Value Trap, Think Twice" is for the companies that look very undervalued, but either in the long term trend of business decline, or in financial distress.

As of today (2024-04-19), Pioneer Bancorp's share price is $8.96. Pioneer Bancorp's GF Value is $13.87. Therefore, Pioneer Bancorp's Price-to-GF-Value for today is 0.65.

Based on the relationship between the current stock price and the GF Value, GuruFocus believes Pioneer Bancorp is Possible Value Trap, Think Twice.

Pioneer Bancorp (NAS:PBFS) GF Value Explanation

Based on the relationship between the current stock price and the GF Value, GuruFocus provides the following 6 evaluations:

Posssible Evaluations	All-in-One Screener Examples (2)
Possible Value Trap, Think Twice (1)	Predictable Companies that possibly be Value Traps
Significantly Overvalued	Predictable Companies which are Significantly Overvalued
Modestly Overvalued	Predictable Companies which are Modestly Overvalued
Fairly Valued	Predictable High Quality Companies which are Fairly Valued
Modestly Undervalued (3)	Predictable High Quality Companies which are Modestly Undervalued
Significantly Undervalued (3)	Predictable High Quality Companies which are Significantly Undervalued

(1) "Possible Value Trap, Think Twice" is for the companies that look very undervalued, but either in the long term trend of business decline, or in financial distress.

(2) These are some simple examples. You can access our GF Valuation filter under All-in-One Screener’s Fundamental tab, and Price-to-GF-Value filter under Valuation Ratio tab and set your own criteria.

(3) There is only a sufficient margin of safety when the stock is undervalued.

Pioneer Bancorp's Price-to-GF-Value for today is calculated as

Price-to-GF-Value	=	Share Price	/	GF Value
	=	8.96	/	13.87
	=	0.65

* 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 GF Value Related Terms

Thank you for viewing the detailed overview of Pioneer Bancorp's GF Value provided by GuruFocus.com. Please click on the following links to see related term pages.

Pioneer Bancorp (Pioneer Bancorp) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Pioneer Bancorp Inc (NAS:PBFS) » Definitions » GF Value

Comparable Companies

Traded in Other Exchanges

N/A

Address

652 Albany Shaker Road, Albany, NY, USA, 12211

Website

https://www.pioneerny.com

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.

Executives

James Edward Murphy	officer: EVP and CCO	652 ALBANY-SHAKER RD, ALBANY NY 12211
Thomas Signor	officer: EVP and CAO	652 ALBANY-SHAKER RD, ALBANY NY 12211
Stacy Hengsterman	director	652 ALBANY-SHAKER ROAD, ALBANY NY 12211
Kelli Arnold	officer: EVP	652 ALBANY-SHAKER ROAD, ALBANY NY 12211
Robert James Nichols	officer: EVP and CCO	652 ALBANY-SHAKER ROAD, ALBANY NY 12211
James K Reed	director	652 ALBANY SHAKER ROAD, ALBANY NY 12211
Frank C Sarratori	officer: EVP, CAO, GC & Corp. Sec.	652 ALBANY SHAKER ROAD, ALBANY NY 12211
Jesse Tomczak	officer: EVP and CCEO	652 ALBANY SHAKER ROAD, ALBANY NY 12211
Susan M Hollister	officer: EVP and CHRO	652 ALBANY SHAKER ROAD, ALBANY NY 12211
Joseph A Fleming	officer: EVP and CLO	652 ALBANY SHAKER ROAD, ALBANY NY 12211
Laura A Mazzara	officer: EVP and CRO	652 ALBANY SHAKER ROAD, ALBANY NY 12211
Shaun Mahoney	director	652 ALBANY SHAKER ROAD, ALBANY NY 12211
Edward Reinfurt	director	652 ALBANY SHAKER ROAD, ALBANY NY 12211
Eileen C Bagnoli	director	652 ALBANY SHAKER ROAD, ALBANY NY 12211
Donald E Fane	director	652 ALBANY SHAKER ROAD, ALBANY NY 12211

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