PBFS (Pioneer Bancorp) Total Payout Ratio: 0.49 (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 Total Payout Ratio?

Pioneer Bancorp PBFS -0.43% 72 Total Payout Ratio is 0.49 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.

Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income.

Pioneer Bancorp's current Total Payout Ratio is 0.49.

Pioneer Bancorp Total Payout Ratio Related Terms

Pioneer Bancorp Total Payout Ratio Historical Data

* Premium members only.

The historical data trend for Pioneer Bancorp's Total Payout Ratio 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.

Pioneer Bancorp Total Payout Ratio Chart

Pioneer Bancorp Annual Data
Trend Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Dec25
Total Payout Ratio
Get a 7-Day Free Trial Premium Member Only 0.00 0.00 0.00 0.07 0.56

Pioneer Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Total Payout Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.27 0.51 1.39 0.11 0.00

PBFS vs ISTR, FRST, PLBC: Total Payout Ratio Comparison

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

For the Banks industry and Financial Services sector, Pioneer Bancorp's Total Payout Ratio distribution charts can be found below:

* The bar in red indicates where Pioneer Bancorp's Total Payout Ratio falls into.


PBFS
72GF Score
Pioneer Bancorp Inc PBFS
Total Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Pioneer Bancorp Total Payout Ratio Calculation

Total Payout Ratio is a measurement showing the proportion of earnings a company pays shareholders in the form of dividends and net stock repurchases.

Pioneer Bancorp's Total Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Total Payout Ratio=- (Repurchase of Stock + Issuance of Stock + Cash Flow for Dividends) / Net Income
=- (-11.294 + 0 + 0) / 20.287
=0.56

Pioneer Bancorp's Total Payout Ratio for the quarter that ended in Mar. 2026 is calculated as

Total Payout Ratio=- (Repurchase of Stock + Issuance of Stock + Cash Flow for Dividends) / Net Income
=- (0 + 0 + 0) / 5.29
=0.00

* 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.

Frequently Asked Questions Learn more about Total Payout Ratio →
What does a Total Payout Ratio of 0.49 mean?
Pioneer Bancorp (PBFS) has a Total Payout Ratio of 0.49 as of Jul. 05, 2026. Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income. View historical data on Pioneer Bancorp and its competitors.
Is Pioneer Bancorp's Total Payout Ratio too high?
Pioneer Bancorp's current Total Payout Ratio is 0.49. 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 Total Payout Ratio compare to ISTR and FRST?
Pioneer Bancorp's Total Payout Ratio of 0.49 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 Total Payout Ratio for a Banks company?
A good Total Payout Ratio depends on the Banks industry context. However, Total Payout 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 Total Payout Ratio mean?
A high Total Payout Ratio can signal that a stock is expensive relative to its fundamentals. Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income. View historical data on Pioneer Bancorp and its competitors. Pioneer Bancorp's current Total Payout Ratio is 0.49. 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 Total Payout Ratio is 0.49. 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 Total Payout Ratio calculated?
Total Payout Ratio is calculated from a company's financial statements. For Pioneer Bancorp (PBFS), the current Total Payout Ratio is 0.49 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:

  • Total Payout Ratio: 0.49
  • 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

Get the complete analysis for PBFS

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

$17.42
Price
$14.51
GF Value