Pioneer BankcorpPBKC 60 Net Margin % is 31.49% as of Mar. 2026, which is 18% above its 10-year median of 26.79. GuruFocus rates PBKC with a GF Score™ of 60/100 and a GF Value™ of $62.64 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,526 Banks companies, Pioneer Bankcorp ranks better than 69.92% on this metric.
The historical rank and industry rank for Pioneer Bankcorp's Net Margin % or its related term are showing as below:
PBKC'
s Net Margin % Range Over the Past 10 Years
Min: 21.57 Med: 26.79 Max: 32.85
Current: 32.85
PBKC's Net Margin % is ranked better than 69.92% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs PBKC: 32.85
Pioneer Bankcorp (OTCPK:PBKC) 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 Bankcorp Net Margin % Related Terms
Pioneer Bankcorp Net Margin % Historical Data
* Premium members only.
The historical data trend for Pioneer Bankcorp'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 Bankcorp'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 Bankcorp Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Pioneer Bankcorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Pioneer Bankcorp'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 Bankcorp (PBKC) has a Net Margin % of 31.49% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Pioneer Bankcorp and its competitors. This is 18% above median its historical median of 26.79. Over the past decade, Pioneer Bankcorp's Net Margin % has ranged from 21.57 to 32.85. According to the industry distribution chart, Pioneer Bankcorp ranks #459 out of 1526 companies in the Banks industry, placing it in the top 30.1%.
Is Pioneer Bankcorp's Net Margin % too high?
Pioneer Bankcorp's current Net Margin % of 31.49% is 18% above median its 10-year median of 26.79. Over the past 10 years, this metric has ranged from a low of 21.57 to a high of 32.85. The Banks industry median Net Margin % is 26.97. Pioneer Bankcorp's value of 31.49% is 16.8% above this industry median. Based on the distribution chart, Pioneer Bankcorp ranks #459 out of 1526 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 Net Margin % compare to PBHC and BKSC?
According to the Banks industry distribution chart, Pioneer Bankcorp ranks #459 out of 1526 companies for Net Margin %. This puts Pioneer Bankcorp in the upper half of its industry. The industry median Net Margin % is 26.97. Pioneer Bankcorp's value of 31.49% is 16.8% above this benchmark. Historically, Pioneer Bankcorp's own Net Margin % has ranged from 21.57 to 32.85 over the past decade. While the company's 10-year median is 26.79 vs. the industry median of 26.97, Pioneer Bankcorp has consistently been above 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 Bankcorp's current Net Margin % of 31.49% is 16.8% above 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 Bankcorp 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 Bankcorp's current Net Margin % is 31.49%, which is 18% above median its own 10-year median of 26.79. 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 $62.64, compared to a current price of $84.00 — trading 34.1% above its estimated fair value. The current Net Margin % is 31.49%, which is 18% above median its 10-year median of 26.79 and 16.8% above the Banks industry median of 26.97. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Pioneer Bankcorp (PBKC), the current Net Margin % is 31.49% 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 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 34.1% above its estimated GF Value™ of $62.64.
GuruFocus considers Pioneer Bankcorp to be Significantly Overvalued.
Key valuation signals for PBKC:
Net Margin %: 31.49% (18% above median its 10-year median of 26.79)
GF Value™: $62.64 vs. price of $84.00 (34.1% above fair value)
Industry Position: 16.8% above the Banks median (#459 of 1526)
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 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.
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