Pioneer BancorpPBFS -0.06%72 Net Margin % is 21.50% as of Mar. 2026, which is 18% above its 10-year median of 18.21. 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 1,526 Banks companies, Pioneer Bancorp ranks worse than 70.18% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Pioneer Bancorp's Net Income for the
three
months ended in Mar. 2026 was $5.29 Mil. Pioneer Bancorp's Revenue for the
three
months ended in Mar. 2026 was $24.61 Mil. Therefore, Pioneer Bancorp's net margin for the quarter that ended in Mar. 2026 was 21.50%.
The historical rank and industry rank for Pioneer Bancorp's Net Margin % or its related term are showing as below:
PBFS'
s Net Margin % Range Over the Past 10 Years
Min: 1.87 Med: 18.21 Max: 27.54
Current: 20.2
PBFS's Net Margin % is ranked worse than 70.18% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs PBFS: 20.20
Pioneer Bancorp (NAS:PBFS) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Pioneer Bancorp Net Margin % Related Terms
Pioneer Bancorp Net Margin % Historical Data
* Premium members only.
The historical data trend for Pioneer Bancorp's Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Pioneer Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Pioneer Bancorp's Net Margin % 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 Net Margin % of 21.50% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Pioneer Bancorp and its competitors. This is 18% above median its historical median of 18.21. Over the past decade, Pioneer Bancorp's Net Margin % has ranged from 1.87 to 27.54. According to the industry distribution chart, Pioneer Bancorp ranks #1071 out of 1526 companies in the Banks industry, placing it in the top 70.2%.
Is Pioneer Bancorp's Net Margin % too high?
Pioneer Bancorp's current Net Margin % of 21.50% is 18% above median its 10-year median of 18.21. Over the past 10 years, this metric has ranged from a low of 1.87 to a high of 27.54. The Banks industry median Net Margin % is 26.97. Pioneer Bancorp's value of 21.50% is 20.3% below this industry median. Based on the distribution chart, Pioneer Bancorp ranks #1071 out of 1526 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 Net Margin % compare to PLBC and PKBK?
According to the Banks industry distribution chart, Pioneer Bancorp ranks #1071 out of 1526 companies for Net Margin %. This places Pioneer Bancorp in the lower half of its industry. The industry median Net Margin % is 26.97. Pioneer Bancorp's value of 21.50% is 20.3% below this benchmark. Historically, Pioneer Bancorp's own Net Margin % has ranged from 1.87 to 27.54 over the past decade. While the company's 10-year median is 18.21 vs. the industry median of 26.97, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pioneer Bancorp's current Net Margin % of 21.50% is 20.3% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Pioneer Bancorp and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pioneer Bancorp's current Net Margin % is 21.50%, which is 18% above median its own 10-year median of 18.21. 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 Net Margin % is 21.50%, which is 18% above median its 10-year median of 18.21 and 20.3% below the Banks industry median of 26.97. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Pioneer Bancorp (PBFS), the current Net Margin % is 21.50% 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 $17.22 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:
Net Margin %: 21.50% (18% above median its 10-year median of 18.21)
GF Value™: $14.45 vs. price of $17.22 (19.2% above fair value)
Industry Position: 20.3% below the Banks median (#1071 of 1526)
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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