Pioneer BankcorpPBKC 60 Return-on-Tangible-Equity is 15.83% as of Mar. 2026, which is 3% above its 10-year median of 15.35. GuruFocus rates PBKC with a GF Score™ of 60/100 and a GF Value™ of $62.79 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,523 Banks companies, Pioneer Bankcorp ranks better than 81.88% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Pioneer Bankcorp's annualized net income for the quarter that ended in Mar. 2026 was $11.64 Mil. Pioneer Bankcorp's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $73.53 Mil. Therefore, Pioneer Bankcorp's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 15.83%.
The historical rank and industry rank for Pioneer Bankcorp's Return-on-Tangible-Equity or its related term are showing as below:
PBKC'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 9.67 Med: 15.35 Max: 17.16
Current: 16.9
During the past 7 years, Pioneer Bankcorp's highest Return-on-Tangible-Equity was 17.16%. The lowest was 9.67%. And the median was 15.35%.
PBKC's Return-on-Tangible-Equity is ranked better than 81.88% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs PBKC: 16.90
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Pioneer Bankcorp Return-on-Tangible-Equity Related Terms
Pioneer Bankcorp Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Pioneer Bankcorp's Return-on-Tangible-Equity 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.
PBKC vs UBCP, CBKM, SSBI: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Pioneer Bankcorp's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Pioneer Bankcorp's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Pioneer Bankcorp's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 15.83% mean?
Pioneer Bankcorp (PBKC) has a Return-on-Tangible-Equity of 15.83% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Pioneer Bankcorp and its competitors. This is near median its historical median of 15.35. Over the past decade, Pioneer Bankcorp's Return-on-Tangible-Equity has ranged from 9.67 to 17.16. According to the industry distribution chart, Pioneer Bankcorp ranks #276 out of 1523 companies in the Banks industry, placing it in the top 18.1%.
Is Pioneer Bankcorp's Return-on-Tangible-Equity too high?
Pioneer Bankcorp's current Return-on-Tangible-Equity of 15.83% is near median its 10-year median of 15.35. Over the past 10 years, this metric has ranged from a low of 9.67 to a high of 17.16. The Banks industry median Return-on-Tangible-Equity is 11.20. Pioneer Bankcorp's value of 15.83% is 41.3% above this industry median. Based on the distribution chart, Pioneer Bankcorp ranks #276 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Return-on-Tangible-Equity compare to UBCP and CBKM?
According to the Banks industry distribution chart, Pioneer Bankcorp ranks #276 out of 1523 companies for Return-on-Tangible-Equity. This places Pioneer Bankcorp in the top 18% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.20. Pioneer Bankcorp's value of 15.83% is 41.3% above this benchmark. Historically, Pioneer Bankcorp's own Return-on-Tangible-Equity has ranged from 9.67 to 17.16 over the past decade. While the company's 10-year median is 15.35 vs. the industry median of 11.20, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pioneer Bankcorp's current Return-on-Tangible-Equity of 15.83% is 41.3% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Pioneer Bankcorp and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pioneer Bankcorp's current Return-on-Tangible-Equity is 15.83%, which is near median its own 10-year median of 15.35. 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 $62.79, compared to a current price of $84.00 — trading 33.8% above its estimated fair value. The current Return-on-Tangible-Equity is 15.83%, which is near median its 10-year median of 15.35 and 41.3% above the Banks industry median of 11.20. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Pioneer Bankcorp (PBKC), the current Return-on-Tangible-Equity is 15.83% 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 33.8% above its estimated GF Value™ of $62.79.
GuruFocus considers Pioneer Bankcorp to be Significantly Overvalued.
Key valuation signals for PBKC:
Return-on-Tangible-Equity: 15.83% (near median its 10-year median of 15.35)
GF Value™: $62.79 vs. price of $84.00 (33.8% above fair value)
Industry Position: 41.3% above the Banks median (#276 of 1523)
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.
60GF Score
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