Pioneer Bancorp, Inc. (PBFS) intrinsic value & 10-year financials
Pioneer Bancorp, Inc. (PBFS) has a Graham intrinsic value of $27.57 per share. At $17.58 on Oct 17, 2026, the stock trades 36% below that value. Over the last 9 fiscal years revenue grew 17.4% a year to $15.8M, with an average return on invested capital of 5.9%.
- Graham intrinsic value
- $27.57
- Share price (Oct 17, 2026)
- $17.58
- Price vs Graham value
- 36% below
- Market cap
- $431.9M
- Revenue (FY2025)
- $15.8M
- Revenue growth (9-yr CAGR)
- 17.4%
- ROIC (10-yr avg)
- 5.9%
- Free cash flow (FY2025)
- —
PBFS 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $15.8M | $20.3M | $0.83 | — | — | 6.5% |
| FY2024 | $15.0M | $15.3M | $0.61 | — | — | 5.4% |
| FY2023 | $13.0M | $21.9M | $0.87 | $25.8M | — | 8.6% |
| FY2022 | $13.2M | $10.3M | $0.41 | $49.2M | — | 4.3% |
| FY2021 | $12.8M | $1.1M | $0.04 | $32.1M | — | 0.5% |
| FY2020 | $12.6M | -$6.5M | -$0.26 | $322.0K | — | -3.6% |
| FY2019 | $12.9M | $19.0M | — | $3.8M | — | 15.0% |
| FY2018 | $5.1M | $11.5M | — | $15.0M | — | 10.4% |
| FY2017 | — | — | — | — | — | — |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
Pioneer Bancorp, Inc./MD revenue growth over the past decade is N/A; insufficient history prevents a reliable 10-year CAGR calculation.
Pioneer Bancorp, Inc./MD has historically struggled to out-earn its cost of capital, averaging just 5.9% ROIC.
Pioneer Bancorp, Inc./MD capital allocation metrics are N/A for the decade; share count and net debt history are incomplete.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, Pioneer Bancorp, Inc./MD is modeled at 15.0% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $27.57 per share.