Pioneer Bancorp, Inc. (PBFS) Fair Value 2026

PBFS · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.4 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (12/100)

Quick Summary — As of 2026-08-27, Pioneer Bancorp, Inc. (PBFS) trades at $17.72, versus a $8.38 median fair value across its 6 active models — 52.7% below the current price. QOC: 8.4/10. Value Trap Risk: 12/100 (SAFE). 6/13 models active.

Key Facts

Ticker
PBFS
Price
$17.72
Quality Score
8.4/10
Value Trap Risk
12/100
Models Active
6/13
Last Updated
Strength: Quality Score of 8.4/10 indicates strong fundamentals
Risk: Majority of models suggest overvaluation

Is Pioneer Bancorp, Inc. (PBFS) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, Pioneer Bancorp, Inc. (PBFS) appears overvalued as of : the median of 6 independent fair value estimates is $8.38, 52.7% below the current price of $17.72. Estimates range from $5.92 to $9.53. PBFS scores 8.4/10 on fundamental quality and 12/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. PBFS’s -52.7% gap is wider than that market norm, and the Banks - Regional sector median is -22.0%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Pioneer Bancorp, Inc. Stock in 2026? →

What Fair Value Does Each Model Give PBFS?

6 Intrinsic Value Models vs. Current Price ($17.72)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $5.92 -66.6%
Ensemble · Medium Conviction
 $7.79 -56.0%
Intrinsic · High Conviction
 $7.56 -57.3%
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What Is PBFS's Fair Value Range?

Spread across 6 independent models · $5.92 to $9.53

CirclFi's 6 active models place Pioneer Bancorp, Inc. (PBFS) between $5.92 and $9.53 per share, a spread of 43% of the median. The median of that range — $8.38 — is the fair value CirclFi publishes for PBFS, against a current price of $17.72.

Low · EPVHigh · FTNN
$5.92median $8.38$9.53
Where the range comes from
Most bearish modelEarnings Power Value (EPV)$5.92
Most bullish modelFTNN Topology$9.53
Model agreement0 bullish · 6 bearishmoderate

A band of this width is typical. The methods agree on direction but weight growth, reinvestment and risk differently, so treat the median as a centre of gravity rather than a precise target.

Every figure above is one model's standalone output on PBFS, not a CirclFi price target. How each model works →

What Is Pioneer Bancorp, Inc. (PBFS) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Pioneer Bancorp, Inc.'s intrinsic value is estimated at $8.38, suggesting the stock is overvalued at its current price of $17.72. With 6 out of 6 models flagging downside (-52.7% vs price), the market may be pricing in unsustainable growth.

What Do the Models Say About PBFS?

6 of 13 models are currently active for PBFS. All 6 active models suggest the stock trades above fair value. Taken together, their median fair value for PBFS is $8.38 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does PBFS Rank in Banks - Regional?

Among 349 Banks - Regional stocks, PBFS ranks #89 by Quality of Company score. CirclFi's QOC score of 8.4/10 evaluates 32 fundamental signals. A score of 8.4 places PBFS in the top tier.

See all Most Undervalued Banks - Regional Stocks →

As a lending environment, Pioneer Bancorp, Inc. operates in a sector where net interest margin (NIM) is a critical driver of valuation. Investors evaluating PBFS should weigh these sector-specific dynamics alongside our model-derived fair values.

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

6 of 13 models are active for Pioneer Bancorp, Inc.. Moderate coverage provides meaningful perspective. 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 8.4/10. This robust score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.

Models cluster within a tight range (+20.4% spread), increasing conviction. 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 6 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 →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Pioneer Bancorp, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

10 related Banks - Regional stocks with 13-model coverage

CFRCullen/Frost Bankers, Inc.QOC 8.4CCBGCapital City Bank Group, Inc.QOC 8.4VABKVirginia National Bankshares CorporationQOC 8.4OBKOrigin Bancorp, Inc.QOC 8.4CSBBCSB Bancorp, Inc.QOC 8.4FNBF.N.B. CorporationQOC 8.4BVFLBV Financial, Inc.QOC 8.0TFINTriumph Financial, Inc.QOC 7.5ESQEsquire Financial Holdings, Inc.QOC 9.1PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: CFR · CCBG · VABK · OBK · CSBB · FNB · BVFL · TFIN · ESQ · PEBO

Which Other Stocks Have a Similar Quality Score to PBFS?

5 companies across all industries closest to PBFS’s Quality of Company score of 8.4/10.

WMTWalmart Inc.QOC 8.4ROKURoku, Inc.QOC 8.4MTDRMatador Resources CompanyQOC 8.4MASMasco CorporationQOC 8.4NVDANVIDIA CorporationQOC 10.0

Read investment analysis: WMT · ROKU · MTDR · MAS · NVDA

Where Does PBFS Sit in CirclFi's Banks - Regional Rankings?

PBFS is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Pioneer Bancorp, Inc.’s Valuation?

What is Pioneer Bancorp, Inc.'s intrinsic value in 2026?

CirclFi puts Pioneer Bancorp, Inc. (PBFS)'s intrinsic value at $8.38 — the median of 6 independent model estimates as of 2026-08-27, ranging from $5.92 to $9.53. The Quality of Company score is 8.4/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is PBFS overvalued or undervalued right now?

At $17.72, 0 of 6 active models suggest PBFS may be undervalued, while 6 indicate potential overvaluation. The median of all 6 fair value estimates is $8.38, 52.7% below the current price of $17.72 — a consensus view that PBFS is overvalued. The assessment depends on which methodology best fits Pioneer Bancorp, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 8.4 mean for PBFS?

Pioneer Bancorp, Inc.'s QOC of 8.4/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on PBFS?

CirclFi analyzes PBFS with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on PBFS?

Of the 6 models currently active on PBFS, FTNN Topology is the most bullish at $9.53 per share, and Earnings Power Value (EPV) is the most bearish at $5.92. CirclFi's published fair value for PBFS is the median of that range, $8.38, not either extreme. The gap between the two ends equals 43% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is PBFS a value trap in 2026?

Pioneer Bancorp, Inc.'s Value Trap score is 12/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, Pioneer Bancorp, Inc. (PBFS) has a median fair value of $8.38 — 52.7% below the current price of $17.72 — as of 2026-08-27.” Source: circlfi.com/stock/PBFS/ · Methodology
Primary sources for this PBFS valuation
  • Financial statements: Pioneer Bancorp, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001769663) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for PBFS as of ; valuations recomputed .

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