PBFS (Pioneer Bancorp) 5-Year Yield-on-Cost %: 0.00 (As of Jun. 29, 2026)


PBFS Pioneer Bancorp Inc PBFS
72 GF Score
Price $16.85
GF Value $14.45
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Pioneer Bancorp 5-Year Yield-on-Cost %?

Pioneer Bancorp PBFS +0.30% 72 5-Year Yield-on-Cost % is 0.00 as of Jun. 29, 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 1,256 Banks companies, Pioneer Bancorp ranks worse than 79617.75% on this metric.

Pioneer Bancorp's yield on cost for the quarter that ended in Mar. 2026 was 0.00.


The historical rank and industry rank for Pioneer Bancorp's 5-Year Yield-on-Cost % or its related term are showing as below:



PBFS's 5-Year Yield-on-Cost % is not ranked *
in the Banks industry.
Industry Median: 3.96
* Ranked among companies with meaningful 5-Year Yield-on-Cost % only.

Pioneer Bancorp  (NAS:PBFS) 5-Year Yield-on-Cost % Explanation

Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.


Pioneer Bancorp 5-Year Yield-on-Cost % Related Terms


PBFS vs ISTR, FRST, PLBC: 5-Year Yield-on-Cost % Comparison

For the Banks - Regional subindustry, Pioneer Bancorp's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry

For the Banks industry and Financial Services sector, Pioneer Bancorp's 5-Year Yield-on-Cost % distribution charts can be found below:

* The bar in red indicates where Pioneer Bancorp's 5-Year Yield-on-Cost % falls into.


PBFS
72GF Score
Pioneer Bancorp Inc PBFS
5-Year Yield-on-Cost % is just one metric. See GF Score™, valuation, warning signs, and more.
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Pioneer Bancorp 5-Year Yield-on-Cost % Calculation

Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.

Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.

Therefore, Yield-on-Cost of Pioneer Bancorp is calculated as

Yield-on-Cost=Dividend Yield %*(1+Dividend Growth Rate)^5
Frequently Asked Questions Learn more about 5-Year Yield-on-Cost % →
What does a 5-Year Yield-on-Cost % of 0.00 mean?
Pioneer Bancorp (PBFS) has a 5-Year Yield-on-Cost % of 0.00 as of Jun. 29, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Pioneer Bancorp and its competitors. According to the industry distribution chart, Pioneer Bancorp ranks #999999 out of 1256 companies in the Banks industry.
Is Pioneer Bancorp's 5-Year Yield-on-Cost % too high?
Pioneer Bancorp's current 5-Year Yield-on-Cost % is 0.00. Based on the distribution chart, Pioneer Bancorp ranks #999999 out of 1256 companies in the Banks industry, which is in the bottom quartile 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 5-Year Yield-on-Cost % compare to ISTR and FRST?
According to the Banks industry distribution chart, Pioneer Bancorp ranks #999999 out of 1256 companies for 5-Year Yield-on-Cost %. This places Pioneer Bancorp in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.96. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.96, based on 1,256 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Pioneer Bancorp and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.96 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pioneer Bancorp's current 5-Year Yield-on-Cost % is 0.00. 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 $16.85 — trading 16.6% above its estimated fair value. The current 5-Year Yield-on-Cost % is 0.00. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Pioneer Bancorp (PBFS), the current 5-Year Yield-on-Cost % is 0.00 as of Jun. 29, 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 $16.85 is trading 16.6% above its estimated GF Value™ of $14.45. GuruFocus considers Pioneer Bancorp to be Modestly Overvalued.

Key valuation signals for PBFS:

  • 5-Year Yield-on-Cost %: 0.00
  • GF Value™: $14.45 vs. price of $16.85 (16.6% 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

5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$16.85
Price
$14.45
GF Value