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Some businesses have very light assets, such as software companies or insurance agencies. The Price-to-Book Ratio does not work well for these companies. Some companies even have negative equity, so the Price-to-Book Ratio cannot be applied to them.
Pioneer Bancorp Price-to-Tangible-Book Related Terms
Pioneer Bancorp Price-to-Tangible-Book Historical Data
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The historical data trend for Pioneer Bancorp's Price-to-Tangible-Book 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 RBB, GBFH, FRBA: Price-to-Tangible-Book Comparison
For the Banks - Regional subindustry, Pioneer Bancorp's Price-to-Tangible-Book, along with its competitors' market caps and Price-to-Tangible-Book 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 Price-to-Tangible-Book vs Banks Industry
For the Banks industry and Financial Services sector, Pioneer Bancorp's Price-to-Tangible-Book distribution charts can be found below:
* The bar in red indicates where Pioneer Bancorp's Price-to-Tangible-Book 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called PB Ratio. The difference between Price-to-Tangible-Book Ratio and PB Ratio is that book value other than intangibles are used in the calculation.
Pioneer Bancorp (PBFS) has a Price-to-Tangible-Book of 1.44 as of Aug. 25, 2026. Price-to-tangible-book ratio is the ratio of share price to a company's tangible book value per share. View historical data on Pioneer Bancorp and its competitors. According to the industry distribution chart, Pioneer Bancorp ranks #973 out of 1501 companies in the Banks industry, placing it in the top 64.8%.
Is Pioneer Bancorp's Price-to-Tangible-Book too high?
Pioneer Bancorp's current Price-to-Tangible-Book is 1.44. The Banks industry median Price-to-Tangible-Book is 1.19. Pioneer Bancorp's value of 1.44 is 21% above this industry median. Based on the distribution chart, Pioneer Bancorp ranks #973 out of 1501 companies in the Banks industry, which is below 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 Price-to-Tangible-Book compare to RBB and GBFH?
According to the Banks industry distribution chart, Pioneer Bancorp ranks #973 out of 1501 companies for Price-to-Tangible-Book. This places Pioneer Bancorp in the lower half of its industry. The industry median Price-to-Tangible-Book is 1.19. Pioneer Bancorp's value of 1.44 is 21% 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 Price-to-Tangible-Book for a Banks company?
The median Price-to-Tangible-Book among Banks companies is 1.19, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a Price-to-Tangible-Book significantly above this median, while those in the bottom quartile fall well below. However, Price-to-Tangible-Book should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pioneer Bancorp's current Price-to-Tangible-Book of 1.44 is 21% 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 Price-to-Tangible-Book mean?
A high Price-to-Tangible-Book can signal that a stock is expensive relative to its fundamentals. Price-to-tangible-book ratio is the ratio of share price to a company's tangible book value per share. View historical data on Pioneer Bancorp and its competitors. For the Banks industry, the median Price-to-Tangible-Book is 1.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pioneer Bancorp's current Price-to-Tangible-Book is 1.44. 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 $15.15, compared to a current price of $17.30 — trading 14.2% above its estimated fair value. The current Price-to-Tangible-Book is 1.44 and 21% above the Banks industry median of 1.19. 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 Price-to-Tangible-Book calculated?
Price-to-Tangible-Book is calculated from a company's financial statements. For Pioneer Bancorp (PBFS), the current Price-to-Tangible-Book is 1.44 as of Aug. 25, 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 $17.30 is trading 14.2% above its estimated GF Value™ of $15.15.
GuruFocus considers Pioneer Bancorp to be Modestly Overvalued.
Key valuation signals for PBFS:
Price-to-Tangible-Book: 1.44
GF Value™: $15.15 vs. price of $17.30 (14.2% above fair value)
Industry Position: 21% above the Banks median (#973 of 1501)
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
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Price-to-Tangible-Book is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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