What is Pioneer Bancorp, Inc. (PBFS)'s PEG ratio?

Pioneer Bancorp, Inc. (PBFS) has a PEG ratio of 1.43 (Fairly Valued), based on a PE ratio of 21.6 and expected EPS growth of 15.1% (5-Year EPS CAGR).

Is PBFS undervalued based on its PEG ratio?

A PEG below 1.0 is conventionally read as potentially undervalued, 1.0–2.0 as fairly valued, and above 2.0 as potentially overvalued relative to growth. At 1.43, Pioneer Bancorp, Inc. (PBFS) screens as "Fairly Valued". PEG is one signal, not investment advice — see the full DCF fair value at evidinvest.com/valuation/PBFS.

Pioneer Bancorp, Inc. (PBFS) PEG Ratio

Fairly Valued

PE ratio relative to earnings growth — is the valuation justified?

1.43

PEG Ratio

PEG ratio is generally unreliable for Financial Services companies — earnings are driven by interest margins and provisions

PEG ratio is generally unreliable for Financial Services companies

1.43

Growth Rate Source

Good Data Quality5-Year EPS CAGR

Current Price

$14.93

TTM EPS

$0.69

P/E Ratio

21.64

Growth Rate

15.1%

5-Year EPS CAGR

Sector

Financial Services

Banks - Regional

Calculated

8/20/2026

4:27:53 AM

Peer Comparison

Sample Size

7 peers

Industry Median PEG

1.22

25th Percentile

0.36

75th Percentile

1.73

PBFS PEG (1.43) vs Industry Median (1.22): 17% premium

Symbol	Company	PEG	P/E	Growth	vs PBFS
MGYR	Magyar Bancorp, Inc.	0.29	9.4	32.8%	-80%
PDLB	Ponce Financial Group, Inc.	0.36	14.4	39.4%	-74%
FRAF	Franklin Financial Services Corporation	1.16	11.6	10.0%	-19%
RRBI	Red River Bancshares, Inc.	1.22	13.1	10.8%	-15%
RMBI	Richmond Mutual Bancorporation, Inc.	1.57	12.4	7.9%	+10%

How to Interpret PEG Ratio

PEG < 1.0 — Potentially Undervalued. The stock may be priced below its earnings growth rate, suggesting a potential buying opportunity.

PEG 1.0–2.0 — Fairly Valued. The stock price is roughly in line with its earnings growth. A PEG of 1.0 is often considered "fair value."

PEG > 2.0 — Potentially Overvalued. The stock may be priced above what its earnings growth justifies.

Limitations:PEG ratios are less reliable for financial firms (earnings driven by interest margins), companies with negative/zero earnings growth, and hypergrowth companies (>100% growth) where the ratio may appear misleadingly low. Always use PEG alongside other valuation metrics.

Pioneer Bancorp, Inc. (PBFS) PEG Ratio

Peer Comparison

How to Interpret PEG Ratio

More on PBFS

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Pioneer Bancorp, Inc. (PBFS) PEG Ratio

Peer Comparison

How to Interpret PEG Ratio

More on PBFS

Compare with peers

Explore