The historical rank and industry rank for Pioneer Bancorp's OCF Margin % or its related term are showing as below:
PBFS'
s OCF Margin % Range Over the Past 10 Years
Min: 3.14 Med: 31.01 Max: 88.51
Current: 14.76
During the past 9 years, the highest OCF Margin % of Pioneer Bancorp was 88.51%. The lowest was 3.14%. And the median was 31.01%.
PBFS's OCF Margin % is ranked worse than 67.4% of 1500
companies
in the Banks industry
Industry Median: 29.44
vs PBFS: 14.76
Pioneer Bancorp OCF Margin % Related Terms
Pioneer Bancorp OCF Margin % Historical Data
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The historical data trend for Pioneer Bancorp's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Pioneer Bancorp's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Pioneer Bancorp's OCF 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 OCF Margin % of -0.65% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Pioneer Bancorp and its competitors. Over the past decade, Pioneer Bancorp's OCF Margin % has ranged from 3.14 to 88.51. According to the industry distribution chart, Pioneer Bancorp ranks #1011 out of 1500 companies in the Banks industry, placing it in the top 67.4%.
Is Pioneer Bancorp's OCF Margin % too high?
Pioneer Bancorp's current OCF Margin % is -0.65%. Over the past 10 years, this metric has ranged from a low of 3.14 to a high of 88.51. Based on the distribution chart, Pioneer Bancorp ranks #1011 out of 1500 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 OCF Margin % compare to PLBC and PKBK?
According to the Banks industry distribution chart, Pioneer Bancorp ranks #1011 out of 1500 companies for OCF Margin %. This places Pioneer Bancorp in the lower half of its industry. The industry median OCF Margin % is 29.44. Historically, Pioneer Bancorp's own OCF Margin % has ranged from 3.14 to 88.51 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Pioneer Bancorp and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pioneer Bancorp's current OCF Margin % is -0.65%. 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 OCF Margin % is -0.65%. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Pioneer Bancorp (PBFS), the current OCF Margin % is -0.65% 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 $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:
OCF Margin %: -0.65%
GF Value™: $14.45 vs. price of $16.98 (17.5% above fair value)
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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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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