PBFS (Pioneer Bancorp) 1-Year Sharpe Ratio: 2.56 (As of Jul. 05, 2026)


PBFS Pioneer Bancorp Inc PBFS
72 GF Score
Price $17.42
GF Value $14.51
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Pioneer Bancorp 1-Year Sharpe Ratio?

Pioneer Bancorp PBFS -0.43% 72 1-Year Sharpe Ratio is 2.56 as of Jul. 05, 2026. GuruFocus rates PBFS with a GF Score™ of 72/100 and a GF Value™ of $14.51 (Modestly Overvalued). The stock has 4 warning signs investors should review.

The 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk over the past year. As of today (2026-07-05), Pioneer Bancorp's 1-Year Sharpe Ratio is 2.56.

Pioneer Bancorp  (NAS:PBFS) 1-Year Sharpe Ratio Explanation

The 1-Year Sharpe Ratio inidicates the risk-adjusted return of an investment over the past year. It is calculated as the annualized result of the average monthly excess return divided by its standard deviation over the past year. 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 1-Year Sharpe Ratio Related Terms

PBFS vs ISTR, FRST, PLBC: 1-Year Sharpe Ratio Comparison

For the Banks - Regional subindustry, Pioneer Bancorp's 1-Year Sharpe Ratio, along with its competitors' market caps and 1-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 1-Year Sharpe Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Pioneer Bancorp's 1-Year Sharpe Ratio distribution charts can be found below:

* The bar in red indicates where Pioneer Bancorp's 1-Year Sharpe Ratio falls into.


PBFS
72GF Score
Pioneer Bancorp Inc PBFS
1-Year Sharpe Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Pioneer Bancorp 1-Year Sharpe Ratio Calculation

The 1-Year Sharpe Ratio measures the performance of an investment such as a stock or portfolio compared to a risk-free asset. A stock / portfolio's 1-Year Sharpe Ratio can be calculated by dividing the difference between the one-year returns of the investment and the risk-free rate, by the standard deviation of the investment returns over one year.

Frequently Asked Questions Learn more about 1-Year Sharpe Ratio →
What does a 1-Year Sharpe Ratio of 2.56 mean?
Pioneer Bancorp (PBFS) has a 1-Year Sharpe Ratio of 2.56 as of Jul. 05, 2026. 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk. View historical data for Pioneer Bancorp and its competitors.
Is Pioneer Bancorp's 1-Year Sharpe Ratio too high?
Pioneer Bancorp's current 1-Year Sharpe Ratio is 2.56. 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 1-Year Sharpe Ratio compare to ISTR and FRST?
Pioneer Bancorp's 1-Year Sharpe Ratio of 2.56 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 1-Year Sharpe Ratio for a Banks company?
A good 1-Year Sharpe Ratio depends on the Banks industry context. However, 1-Year Sharpe Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 1-Year Sharpe Ratio mean?
A high 1-Year Sharpe Ratio can signal that a stock is expensive relative to its fundamentals. 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk. View historical data for Pioneer Bancorp and its competitors. Pioneer Bancorp's current 1-Year Sharpe Ratio is 2.56. 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 $14.51, compared to a current price of $17.42 — trading 20% above its estimated fair value. The current 1-Year Sharpe Ratio is 2.56. 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 1-Year Sharpe Ratio calculated?
1-Year Sharpe Ratio is calculated from a company's financial statements. For Pioneer Bancorp (PBFS), the current 1-Year Sharpe Ratio is 2.56 as of Jul. 05, 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 $17.42 is trading 20% above its estimated GF Value™ of $14.51. GuruFocus considers Pioneer Bancorp to be Modestly Overvalued.

Key valuation signals for PBFS:

  • 1-Year Sharpe Ratio: 2.56
  • GF Value™: $14.51 vs. price of $17.42 (20% above fair value)
  • GF Score™: 72/100 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.
72GF Score

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

$17.42
Price
$14.51
GF Value