PBFS (Pioneer Bancorp) Tariff Resilience Score: 9/10 (As of Jun. 25, 2026)


PBFS Pioneer Bancorp Inc PBFS
72 GF Score
Price $17.22
GF Value $14.45
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Pioneer Bancorp Tariff Resilience Score?

Pioneer Bancorp PBFS -0.06% 72 Tariff Resilience Score is 9 as of Jun. 25, 2026. 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 1,605 Banks companies, Pioneer Bancorp ranks better than 99.25% on this metric.

Pioneer Bancorp has the Tariff Resilience Score of 9, which implies that the company might have Highly Resilient.

Pioneer Bancorp has As a regional bank, PBFS has minimal direct exposure to international trade tariffs. Its operations are primarily domestic, and it has not been significantly impacted by past tariff changes.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes Pioneer Bancorp might have Highly Resilient.

Pioneer Bancorp  (NAS:PBFS) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

Pioneer Bancorp Tariff Resilience Score Related Terms

PBFS vs PLBC, PKBK, FRST: Tariff Resilience Score Comparison

For the Banks - Regional subindustry, Pioneer Bancorp's Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience Score 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 Tariff Resilience Score vs Banks Industry

For the Banks industry and Financial Services sector, Pioneer Bancorp's Tariff Resilience Score distribution charts can be found below:

* The bar in red indicates where Pioneer Bancorp's Tariff Resilience Score falls into.


PBFS
72GF Score
Pioneer Bancorp Inc PBFS
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 9 mean?
Pioneer Bancorp (PBFS) has a Tariff Resilience Score of 9 as of Jun. 25, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, Pioneer Bancorp ranks #12 out of 1605 companies in the Banks industry, placing it in the top 0.7%.
Is Pioneer Bancorp's Tariff Resilience Score too high?
Pioneer Bancorp's current Tariff Resilience Score is 9. Based on the distribution chart, Pioneer Bancorp ranks #12 out of 1605 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Tariff Resilience Score compare to PLBC and PKBK?
According to the Banks industry distribution chart, Pioneer Bancorp ranks #12 out of 1605 companies for Tariff Resilience Score. This places Pioneer Bancorp in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience Score 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. Pioneer Bancorp's current Tariff Resilience Score is 9. 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 $17.22 — trading 19.2% above its estimated fair value. The current Tariff Resilience Score is 9. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For Pioneer Bancorp (PBFS), the current Tariff Resilience Score is 9 as of Jun. 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 $17.22 is trading 19.2% above its estimated GF Value™ of $14.45. GuruFocus considers Pioneer Bancorp to be Modestly Overvalued.

Key valuation signals for PBFS:

  • Tariff Resilience Score: 9
  • GF Value™: $14.45 vs. price of $17.22 (19.2% 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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Tariff Resilience Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.22
Price
$14.45
GF Value