PBFS (Pioneer Bancorp) 10-Year Sharpe Ratio: N/A (As of Aug. 28, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

PBFS Pioneer Bancorp Inc PBFS
70 GF Score
Price $17.72
GF Value $15.18
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Pioneer Bancorp 10-Year Sharpe Ratio?

The 10-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk over the past ten years. As of today (2026-08-28), Pioneer Bancorp's 10-Year Sharpe Ratio is Not available.


Pioneer Bancorp  (NAS:PBFS) 10-Year Sharpe Ratio Explanation

The 10-Year Sharpe Ratio inidicates the risk-adjusted return of an investment over the past ten years. It is calculated as the annualized result of the average ten-year monthly excess returns divided by its standard deviation in the ten-year period. The monthly excess return is the monthly investment return minus the monthly risk-free rate (typically the 10-year Treasury Constant Maturity Rate). If the risk-free rate for a specific region is not available, U.S. data is used by default.

The greater a portfolio's Sharpe Ratio, the better its risk-adjusted performance. A negative Sharpe Ratio means the risk-free rate is greater than the portfolio’s historical or projected return, or else the portfolio's return is expected to be negative.


Pioneer Bancorp 10-Year Sharpe Ratio Related Terms


PBFS vs RBB, GBFH, FRBA: 10-Year Sharpe Ratio Comparison

For the Banks - Regional subindustry, Pioneer Bancorp's 10-Year Sharpe Ratio, along with its competitors' market caps and 10-Year Sharpe Ratio 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 10-Year Sharpe Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Pioneer Bancorp's 10-Year Sharpe Ratio distribution charts can be found below:

* The bar in red indicates where Pioneer Bancorp's 10-Year Sharpe Ratio falls into.


PBFS
70GF Score
Pioneer Bancorp Inc PBFS
10-Year Sharpe Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Pioneer Bancorp 10-Year Sharpe Ratio Calculation

The 10-Year Sharpe Ratio measures the performance of an investment such as a stock or portfolio compared to a risk-free asset in the last ten years. A stock / portfolio's 10-Year Sharpe Ratio can be calculated by dividing the difference between the ten-year average monthly returns of the investment and the risk-free rate, by the standard deviation of the investment returns over the past ten years.

Is Pioneer Bancorp (PBFS) Overvalued in 2026?

Based on GuruFocus' analysis, Pioneer Bancorp stock appears to be overvalued. The current stock price of $17.72 is trading 16.7% above its estimated GF Value™ of $15.18. GuruFocus considers Pioneer Bancorp to be Modestly Overvalued.

Key valuation signals for PBFS:

  • 10-Year Sharpe Ratio: N/A
  • GF Value™: $15.18 vs. price of $17.72 (16.7% above fair value)
  • GF Score™: 70/100 with 4 warning signs

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 Business Description

Address 652 Albany Shaker Road, Albany, NY, USA, 12211
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

10-Year Sharpe Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.72
Price
$15.18
GF Value