SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
Pioneer Bancorp, Inc. (PBFS) trades at a trailing P/E of 16.9. Trailing earnings yield is 5.92%. PEG 0.69 (Peter Lynch undervalued ≤1.0). Graham Number is $15.96.
Criteria proven by this page:
- VALUE (30/100, Fail) — the composite valuation score falls below the 60/100 threshold required to pass.
- PEG Ratio 0.69 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
- Trailing Earnings Yield 5.92% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income.
Overall SharesGrow Score: 68/100 with 3/7 criteria passed.
SharesGrow 7-Criteria Score
✗
VALUE
30/100
Price-to-Earnings & upside
Proven by this page
~
HEALTH
67/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — PBFS
Valuation Multiples
P/E (TTM)16.9
Forward P/EN/A
PEG Ratio0.69
Forward PEGN/A
P/B Ratio1.06
P/S Ratio2.82
EV/EBITDA10.0
Per Share Data
EPS (TTM)$0.84
Book Value / Share$13.44
Revenue / Share$5.26
FCF / Share$0.37
Yields & Fair Value
Earnings Yield5.92%
Dividend Yield0.00%
Graham Number$15.96
SharesGrow IV$14.19 (-2.6%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2017 |
29.3 |
0.00 |
1.58 |
3.40 |
- |
| 2018 |
14.3 |
0.14 |
1.40 |
2.78 |
- |
| 2019 |
22.5 |
-0.61 |
1.34 |
2.40 |
- |
| 2020 |
44.0 |
-0.65 |
1.02 |
3.31 |
- |
| 2021 |
279.8 |
-3.52 |
1.27 |
5.05 |
- |
| 2022 |
24.0 |
0.03 |
1.02 |
4.25 |
- |
| 2023 |
10.3 |
0.09 |
0.84 |
2.64 |
- |
| 2024 |
17.2 |
-0.57 |
0.88 |
2.65 |
- |
| 2025 |
15.8 |
0.60 |
0.97 |
3.45 |
- |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2017 |
$0.50 |
$48.52M |
$5.63M |
11.6% |
| 2018 |
$1.03 |
$59.42M |
$11.5M |
19.4% |
| 2019 |
$0.65 |
$68.57M |
$7.31M |
10.7% |
| 2020 |
$0.21 |
$69.2M |
$5.2M |
7.5% |
| 2021 |
$0.04 |
$59.68M |
$1.08M |
1.8% |
| 2022 |
$0.41 |
$57.92M |
$10.28M |
17.7% |
| 2023 |
$0.87 |
$85.18M |
$21.95M |
25.8% |
| 2024 |
$0.61 |
$98.7M |
$15.26M |
15.5% |
| 2025 |
$0.76 |
$88.12M |
$19.2M |
21.8% |
