PBKC (Pioneer Bankcorp) Moat Score: 3/10 (As of Jun. 28, 2026)


PBKC Pioneer Bankcorp Inc PBKC
60 GF Score
Price $84.00
GF Value $62.67
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Pioneer Bankcorp Moat Score?

Pioneer Bankcorp PBKC 60 Moat Score is 3 as of Jun. 28, 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 1,614 Banks companies, Pioneer Bankcorp ranks better than 74.54% on this metric.

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

Pioneer Bankcorp has No Moat: Pioneer Bankcorp has very weak competitive advantages. It operates in a highly competitive banking sector with limited market leadership, brand strength, and customer loyalty. The company lacks significant regulatory barriers or cost advantages.

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 Bankcorp might have No Moat - Very weak/transient advantages.

Pioneer Bankcorp  (OTCPK:PBKC) 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 Bankcorp Moat Score Related Terms

PBKC vs PBHC, BKSC, CBKM: Moat Score Comparison

For the Banks - Regional subindustry, Pioneer Bankcorp'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 Bankcorp Moat Score vs Banks Industry

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

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


PBKC
60GF Score
Pioneer Bankcorp Inc PBKC
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 Bankcorp (PBKC) has a Moat Score of 3 as of Jun. 28, 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 Bankcorp ranks #411 out of 1614 companies in the Banks industry, placing it in the top 25.5%.
Is Pioneer Bankcorp's Moat Score too high?
Pioneer Bankcorp's current Moat Score is 3. Based on the distribution chart, Pioneer Bankcorp ranks #411 out of 1614 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 Moat Score compare to PBHC and BKSC?
According to the Banks industry distribution chart, Pioneer Bankcorp ranks #411 out of 1614 companies for Moat Score. This puts Pioneer Bankcorp 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 Bankcorp'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 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 Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Pioneer Bankcorp (PBKC), the current Moat Score is 3 as of Jun. 28, 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:

  • Moat Score: 3
  • GF Value™: $62.67 vs. price of $84.00 (34% above fair value)
  • GF Score™: 60/100 with 6 warning signs

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 Business Description

Address 300 East Sugarland Highway, P.O. Box 1237, Clewiston, FL, USA, 33440
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.
60GF Score

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$84.00
Price
$62.67
GF Value