Pioneer BankcorpPBKC -1.19%60 5-Year Yield-on-Cost % is 3.76 as of Jul. 08, 2026, which is 12% below its 10-year median of 4.25. GuruFocus rates PBKC with a GF Score™ of 60/100 and a GF Value™ of $62.96 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,254 Banks companies, Pioneer Bankcorp ranks worse than 52.95% on this metric.
Pioneer Bankcorp's yield on cost for the quarter that ended in Mar. 2026 was 3.76.
The historical rank and industry rank for Pioneer Bankcorp's 5-Year Yield-on-Cost % or its related term are showing as below:
PBKC'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.91 Med: 4.25 Max: 6.02
Current: 3.76
During the past 7 years, Pioneer Bankcorp's highest Yield on Cost was 6.02. The lowest was 1.91. And the median was 4.25.
PBKC's 5-Year Yield-on-Cost % is ranked worse than 52.95% of 1254
companies
in the Banks industry
Industry Median: 3.905
vs PBKC: 3.76
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 Bankcorp 5-Year Yield-on-Cost % Related Terms
PBKC vs UBCP, CBKM, SSBI: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Pioneer Bankcorp'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 Bankcorp 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Pioneer Bankcorp's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Pioneer Bankcorp's 5-Year Yield-on-Cost % falls into.
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.
Pioneer Bankcorp (PBKC) has a 5-Year Yield-on-Cost % of 3.76 as of Jul. 08, 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 Bankcorp and its competitors. This is 12% below median its historical median of 4.25. Over the past decade, Pioneer Bankcorp's 5-Year Yield-on-Cost % has ranged from 1.91 to 6.02. According to the industry distribution chart, Pioneer Bankcorp ranks #664 out of 1254 companies in the Banks industry, placing it in the top 53%.
Is Pioneer Bankcorp's 5-Year Yield-on-Cost % too high?
Pioneer Bankcorp's current 5-Year Yield-on-Cost % of 3.76 is 12% below median its 10-year median of 4.25. Over the past 10 years, this metric has ranged from a low of 1.91 to a high of 6.02. The Banks industry median 5-Year Yield-on-Cost % is 3.91. Pioneer Bankcorp's value of 3.76 is 3.7% below this industry median. Based on the distribution chart, Pioneer Bankcorp ranks #664 out of 1254 companies in the Banks industry, which is below the industry midpoint. Overall, Pioneer Bankcorp has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pioneer Bankcorp's 5-Year Yield-on-Cost % compare to UBCP and CBKM?
According to the Banks industry distribution chart, Pioneer Bankcorp ranks #664 out of 1254 companies for 5-Year Yield-on-Cost %. This places Pioneer Bankcorp in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.91. Pioneer Bankcorp's value of 3.76 is 3.7% below this benchmark. Historically, Pioneer Bankcorp's own 5-Year Yield-on-Cost % has ranged from 1.91 to 6.02 over the past decade. While the company's 10-year median is 4.25 vs. the industry median of 3.91, Pioneer Bankcorp has consistently been below the industry average. 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 3.91, based on 1,254 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. Pioneer Bankcorp's current 5-Year Yield-on-Cost % of 3.76 is 3.7% below the industry median. 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 Bankcorp and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pioneer Bankcorp's current 5-Year Yield-on-Cost % is 3.76, which is 12% below median its own 10-year median of 4.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pioneer Bankcorp stock overvalued right now?
Based on GuruFocus' analysis, Pioneer Bankcorp (PBKC) is currently considered Significantly Overvalued. The stock's GF Value™ is $62.96, compared to a current price of $83.00 — trading 31.8% above its estimated fair value. The current 5-Year Yield-on-Cost % is 3.76, which is 12% below median its 10-year median of 4.25 and 3.7% below the Banks industry median of 3.91. Pioneer Bankcorp's overall GF Score™ is 60/100 with 6 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 Bankcorp (PBKC), the current 5-Year Yield-on-Cost % is 3.76 as of Jul. 08, 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 Bankcorp (PBKC) Overvalued in 2026?
Based on GuruFocus' analysis, Pioneer Bankcorp stock appears to be overvalued.
The current stock price of $83.00 is trading 31.8% above its estimated GF Value™ of $62.96.
GuruFocus considers Pioneer Bankcorp to be Significantly Overvalued.
Key valuation signals for PBKC:
5-Year Yield-on-Cost %: 3.76 (12% below median its 10-year median of 4.25)
GF Value™: $62.96 vs. price of $83.00 (31.8% above fair value)
Industry Position: 3.7% below the Banks median (#664 of 1254)
No single metric tells the full story. See the PBKC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Pioneer Bankcorp Inc is a bank holding company incorporated in Florida. The Bank is a state-chartered, FDIC-insured bank headquartered in Clewiston, Florida, and conducts business from three banking offices in Hendry County and other banking offices in surrounding counties. The company has identified five portfolio segments of loans, real estate - commercial; real estate - residential; real estate - construction, development, land; commercial; and consumer and other. The majority of its revenues are interest earned on loans, investment securities, and other financial instruments.
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