What Is Pioneer Bancorp, Inc. (PBFS) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, Pioneer Bancorp, Inc. presents a highly debated valuation profile at its current price of $16.89. The composite intrinsic value is estimated at $24.49 (+45.0% average upside), masking a wide model spread between the 4 bullish models and 6 bearish models. Model dispersion is worth noting: ML-RIV targets $72.04 (+326.5%), versus Markov DDM at $5.47 (-67.6%). This +394.1% range highlights the importance of multi-model analysis rather than relying on any single methodology.
What Do the Models Say About PBFS?
12 of 13 models are currently active for PBFS. Of these, 4 models suggest upside while 8 models suggest overvaluation. The Bayesian DCF estimates PBFS's intrinsic value at $39.07, implying +131.3% upside from the current price. See which stocks rank higher →
How Does PBFS Rank in Savings Institutions, Not Federally Chartered?
Among 22 Savings Institutions, Not Federally Chartered stocks, PBFS ranks #2 by Quality of Company score. CirclFi's QOC score of 9.3/10 evaluates 32 fundamental signals. A score of 9.3 places PBFS in the top tier.
Pioneer Bancorp, Inc. operates in a competitive landscape where fundamental quality metrics are key differentiators for long-term value creation.
Is PBFS a Value Trap?
CirclFi's Value Trap algorithm assigns PBFS a score of 12/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
12 of 13 models are active for Pioneer Bancorp, Inc.. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi 32-factor quality framework, Pioneer Bancorp, Inc.'s fundamental quality profile registers 9.3/10. This exceptional score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.
The gap between the most bullish and bearish model spans +394.1% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every PBFS valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across PBFS's 12 active models, average confidence is 40%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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