PBFS (Pioneer Bancorp) Moat Score: 3/10 (As of Jun. 25, 2026)


PBFS Pioneer Bancorp Inc PBFS
72 GF Score
Price $16.98
GF Value $14.45
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Pioneer Bancorp Moat Score?

Pioneer Bancorp PBFS -1.45% 72 Moat Score is 3 as of Jun. 25, 2026. 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 1,609 Banks companies, Pioneer Bancorp ranks better than 74.39% on this metric.

Pioneer Bancorp has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Pioneer Bancorp has No Moat: PBFS operates in a competitive banking sector with limited market share and no significant competitive advantages. The company lacks strong brand loyalty, intellectual property, or cost advantages. Regulatory barriers are standard, and there is no evidence of superior distribution or pricing power.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Pioneer Bancorp might have No Moat - Very weak/transient advantages.

Pioneer Bancorp  (NAS:PBFS) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Pioneer Bancorp Moat Score Related Terms

PBFS vs PLBC, PKBK, FRST: Moat Score Comparison

For the Banks - Regional subindustry, Pioneer Bancorp's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Pioneer Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where Pioneer Bancorp's Moat Score falls into.


PBFS
72GF Score
Pioneer Bancorp Inc PBFS
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Pioneer Bancorp (PBFS) has a Moat Score of 3 as of Jun. 25, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Pioneer Bancorp ranks #412 out of 1609 companies in the Banks industry, placing it in the top 25.6%.
Is Pioneer Bancorp's Moat Score too high?
Pioneer Bancorp's current Moat Score is 3. Based on the distribution chart, Pioneer Bancorp ranks #412 out of 1609 companies in the Banks industry, which is above 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 Moat Score compare to PLBC and PKBK?
According to the Banks industry distribution chart, Pioneer Bancorp ranks #412 out of 1609 companies for Moat Score. This puts Pioneer Bancorp in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Pioneer Bancorp's current Moat Score is 3. 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 $16.98 — trading 17.5% above its estimated fair value. The current Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Pioneer Bancorp (PBFS), the current Moat Score is 3 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 $16.98 is trading 17.5% above its estimated GF Value™ of $14.45. GuruFocus considers Pioneer Bancorp to be Modestly Overvalued.

Key valuation signals for PBFS:

  • Moat Score: 3
  • GF Value™: $14.45 vs. price of $16.98 (17.5% above fair value)
  • GF Score™: 72/100 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.
72GF Score

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

$16.98
Price
$14.45
GF Value