Pioneer BancorpPBFS -1.45%72 Pretax Margin % is 23.19% as of Mar. 2026, which is 2% below its 10-year median of 23.63. 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 72.67% on this metric.
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Pioneer Bancorp Pretax Margin % Related Terms
Pioneer Bancorp Pretax Margin % Historical Data
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The historical data trend for Pioneer Bancorp's Pretax 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.
PBFS vs PLBC, PKBK, FRST: Pretax Margin % Comparison
For the Banks - Regional subindustry, Pioneer Bancorp's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Pioneer Bancorp's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Pioneer Bancorp's Pretax 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 Pretax Margin % of 23.19% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Pioneer Bancorp and its competitors. This is near median its historical median of 23.63. Over the past decade, Pioneer Bancorp's Pretax Margin % has ranged from 4.62 to 34.95. According to the industry distribution chart, Pioneer Bancorp ranks #1109 out of 1526 companies in the Banks industry, placing it in the top 72.7%.
Is Pioneer Bancorp's Pretax Margin % too high?
Pioneer Bancorp's current Pretax Margin % of 23.19% is near median its 10-year median of 23.63. Over the past 10 years, this metric has ranged from a low of 4.62 to a high of 34.95. The Banks industry median Pretax Margin % is 34.89. Pioneer Bancorp's value of 23.19% is 33.5% below this industry median. Based on the distribution chart, Pioneer Bancorp ranks #1109 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 Pretax Margin % compare to PLBC and PKBK?
According to the Banks industry distribution chart, Pioneer Bancorp ranks #1109 out of 1526 companies for Pretax Margin %. This places Pioneer Bancorp in the lower half of its industry. The industry median Pretax Margin % is 34.89. Pioneer Bancorp's value of 23.19% is 33.5% below this benchmark. Historically, Pioneer Bancorp's own Pretax Margin % has ranged from 4.62 to 34.95 over the past decade. While the company's 10-year median is 23.63 vs. the industry median of 34.89, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.89, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pioneer Bancorp's current Pretax Margin % of 23.19% is 33.5% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Pioneer Bancorp and its competitors. For the Banks industry, the median Pretax Margin % is 34.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pioneer Bancorp's current Pretax Margin % is 23.19%, which is near median its own 10-year median of 23.63. 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 Pretax Margin % is 23.19%, which is near median its 10-year median of 23.63 and 33.5% below the Banks industry median of 34.89. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Pioneer Bancorp (PBFS), the current Pretax Margin % is 23.19% 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:
Pretax Margin %: 23.19% (near median its 10-year median of 23.63)
GF Value™: $14.45 vs. price of $16.98 (17.5% above fair value)
Industry Position: 33.5% below the Banks median (#1109 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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