PBFS (Pioneer Bancorp) YoY EPS Growth: -4.35% (As of Mar. 2026)

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PBFS Pioneer Bancorp Inc PBFS
70 GF Score
Price $17.74
GF Value $14.68
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Pioneer Bancorp YoY EPS Growth?

Pioneer Bancorp PBFS +2.31% 70 YoY EPS Growth is -4.35% as of Mar. 2026. GuruFocus rates PBFS with a GF Score™ of 70/100 and a GF Value™ of $14.68 (Modestly Overvalued). The stock has 4 warning signs investors should review.

YoY EPS Growth is the percentage change of Earnings per Share (Diluted) over the past twelve months. Pioneer Bancorp's YoY EPS Growth for the quarter that ended in Mar. 2026 was -4.35%.

Pioneer Bancorp's Earnings per Share (Diluted) for the three months ended in Mar. 2026 was $0.22.

Pioneer Bancorp YoY EPS Growth Historical Data

* Premium members only.

The historical data trend for Pioneer Bancorp's YoY EPS Growth 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.

Pioneer Bancorp YoY EPS Growth Chart

Pioneer Bancorp Annual Data
Trend Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Dec25
YoY EPS Growth
Get a 7-Day Free Trial Premium Member Only -80.95 925.00 112.20 -29.89 36.07

Pioneer Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
YoY EPS Growth Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 21.05 62.50 -28.00 15.38 -4.35
PBFS
70GF Score
Pioneer Bancorp Inc PBFS
YoY EPS Growth is just one metric. See GF Score™, valuation, warning signs, and more.
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Pioneer Bancorp YoY EPS Growth Calculation

YoY EPS Growth is the percentage change of Earnings per Share (Diluted) over the past twelve months.

Pioneer Bancorp's YoY EPS Growth for the fiscal year that ended in Dec. 2025 is calculated as:

YoY EPS Growth (A: Dec. 2025 )
=(Earnings per Share (Diluted) (A: Dec. 2025 )-Earnings per Share (Diluted) (A: Jun. 2024 ))/ | Earnings per Share (Diluted) (A: Jun. 2024 ) |
=(0.83-0.61)/ | 0.61 |
=36.07 %

Pioneer Bancorp's YoY EPS Growth for the quarter that ended in Mar. 2026 is calculated as:

YoY EPS Growth (Q: Mar. 2026 )
=(Earnings per Share (Diluted) (Q: Mar. 2026 )-Earnings per Share (Diluted) (Q: Mar. 2025 )) / | Earnings per Share (Diluted) (Q: Mar. 2025 )) |
=(0.22-0.23)/ | 0.23 |
=-4.35 %

* 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.

Frequently Asked Questions Learn more about YoY EPS Growth →
What does a YoY EPS Growth of -4.35% mean?
Pioneer Bancorp (PBFS) has a YoY EPS Growth of -4.35% as of Mar. 2026. YoY EPS Growth is the percentage change of EPS over the past 12-month. View historical data for Pioneer Bancorp and its competitors.
Is Pioneer Bancorp's YoY EPS Growth too high?
Pioneer Bancorp's current YoY EPS Growth is -4.35%. 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 YoY EPS Growth compare to ISTR and FRST?
Pioneer Bancorp's YoY EPS Growth of -4.35% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good YoY EPS Growth for a Banks company?
A good YoY EPS Growth depends on the Banks industry context. However, YoY EPS Growth 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 YoY EPS Growth mean?
A high YoY EPS Growth can signal that a stock is expensive relative to its fundamentals. YoY EPS Growth is the percentage change of EPS over the past 12-month. View historical data for Pioneer Bancorp and its competitors. Pioneer Bancorp's current YoY EPS Growth is -4.35%. 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 $14.68, compared to a current price of $17.74 — trading 20.8% above its estimated fair value. The current YoY EPS Growth is -4.35%. 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 YoY EPS Growth calculated?
YoY EPS Growth is calculated from a company's financial statements. For Pioneer Bancorp (PBFS), the current YoY EPS Growth is -4.35% 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 $17.74 is trading 20.8% above its estimated GF Value™ of $14.68. GuruFocus considers Pioneer Bancorp to be Modestly Overvalued.

Key valuation signals for PBFS:

  • YoY EPS Growth: -4.35%
  • GF Value™: $14.68 vs. price of $17.74 (20.8% above fair value)
  • GF Score™: 70/100 with 4 warning signs

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 Business Description

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

Get the complete analysis for PBFS

YoY EPS Growth is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.74
Price
$14.68
GF Value