Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
12-1 Month Momentum % is the total return of the stock from 12-month ago to 1-month ago. As of today (2026-07-14), Pioneer Bancorp's 12-1 Month Momentum % is 37.49%.
The industry rank for Pioneer Bancorp's 12-1 Month Momentum % or its related term are showing as below:
PBFS's 12-1 Month Momentum % is ranked better than 73.22% of 1598
companies
in the Banks industry
Industry Median: 18.195
vs PBFS: 37.49
Momentum investing is a trading strategy in which investors buy securities that are rising and sell before the prices start to go back down. The 12-1 Month Momentum % measures the total return to a stock over the past twelve months, but ignores the previous month.
The reason why the most recent month’s return dropped related to the short-term reversal effect associated with momentum. There is an academic finding that short-term momentum actually has a reversal effect, whereby the previous winners (measured over the past months) do poorly the next month, while the previous losers do well the next month. In order to eliminate the short-term reversal effect, the previous month return was not included in this calculation.
Pioneer Bancorp 12-1 Month Momentum % Related Terms
PBFS vs ISTR, FRST, PLBC: 12-1 Month Momentum % Comparison
For the Banks - Regional subindustry, Pioneer Bancorp's 12-1 Month Momentum %, along with its competitors' market caps and 12-1 Month Momentum % 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 12-1 Month Momentum % vs Banks Industry
For the Banks industry and Financial Services sector, Pioneer Bancorp's 12-1 Month Momentum % distribution charts can be found below:
* The bar in red indicates where Pioneer Bancorp's 12-1 Month Momentum % 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 12-1 Month Momentum % of 37.49% as of Jul. 14, 2026. 12-1 Month Momentum measures the total return of the stock from 12-month ago to 1-month ago. View historical data on Pioneer Bancorp and its competitors. According to the industry distribution chart, Pioneer Bancorp ranks #428 out of 1598 companies in the Banks industry, placing it in the top 26.8%.
Is Pioneer Bancorp's 12-1 Month Momentum % too high?
Pioneer Bancorp's current 12-1 Month Momentum % is 37.49%. The Banks industry median 12-1 Month Momentum % is 18.20. Pioneer Bancorp's value of 37.49% is 106% above this industry median. Based on the distribution chart, Pioneer Bancorp ranks #428 out of 1598 companies in the Banks industry, which is above the industry midpoint. Overall, Pioneer Bancorp has a GF Score™ of 70/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pioneer Bancorp's 12-1 Month Momentum % compare to ISTR and FRST?
According to the Banks industry distribution chart, Pioneer Bancorp ranks #428 out of 1598 companies for 12-1 Month Momentum %. This puts Pioneer Bancorp in the upper half of its industry. The industry median 12-1 Month Momentum % is 18.20. Pioneer Bancorp's value of 37.49% is 106% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 12-1 Month Momentum % for a Banks company?
The median 12-1 Month Momentum % among Banks companies is 18.20, based on 1,598 companies in the industry. Companies in the top quartile (top 25%) have a 12-1 Month Momentum % significantly above this median, while those in the bottom quartile fall well below. However, 12-1 Month Momentum % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pioneer Bancorp's current 12-1 Month Momentum % of 37.49% is 106% 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 12-1 Month Momentum % mean?
A high 12-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 12-1 Month Momentum measures the total return of the stock from 12-month ago to 1-month ago. View historical data on Pioneer Bancorp and its competitors. For the Banks industry, the median 12-1 Month Momentum % is 18.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pioneer Bancorp's current 12-1 Month Momentum % is 37.49%. 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 $14.59, compared to a current price of $16.74 — trading 14.7% above its estimated fair value. The current 12-1 Month Momentum % is 37.49% and 106% above the Banks industry median of 18.20. Pioneer Bancorp's overall GF Score™ is 70/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 12-1 Month Momentum % calculated?
12-1 Month Momentum % is calculated from a company's financial statements. For Pioneer Bancorp (PBFS), the current 12-1 Month Momentum % is 37.49% as of Jul. 14, 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 $16.74 is trading 14.7% above its estimated GF Value™ of $14.59.
GuruFocus considers Pioneer Bancorp to be Modestly Overvalued.
Key valuation signals for PBFS:
12-1 Month Momentum %: 37.49%
GF Value™: $14.59 vs. price of $16.74 (14.7% above fair value)
Industry Position: 106% above the Banks median (#428 of 1598)
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.
70GF Score
Get the complete analysis for PBFS
12-1 Month Momentum % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PBFS has been successfully added to your 
