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PBFS

Pioneer Bancorp Inc
Chart
17.17 USD
Latest Week 2026-07-17
Financial ServicesBanks - RegionalSMALL
Snapshot 2026-07-19 · 0.4w · Fresh
0.36
OS Score
35.0%
Value
18.0%
Quality
81.0%
Momentum
3/9
F-Score
0.251
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
6 of 23 passing
★
OS Composite
✗
↗
Trending Value
✗
◆
Quality × Value
✗
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
✗
◇
VC2 Cheapest
✗
📐
EBITDA/EV
✗
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
Yes
🌱
GARP
✗
🔄
Shareholder Yield
2.3%
💰
High Yield
✗
🚀
Momentum Leaders
12-1 41%
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
✗
🛡
Low Volatility
Vol 19%
🏷
Sector Cheapest
✗
🧠
Capital Allocators
CAQ 0.63
⚡
Risk-Adj Momentum
RAM 2.15
V
Value Analysis
Cheapness relative to fundamentals
35.0%ile
P/E
21.7×
P/S
3.3×
P/B
1.3×
E/P
0.0728
FCF Yield
0.047
EBITDA/EV
0.078
SH Yield
0.023
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
74.00000000
/100 — 1=cheapest
VC2 (Trending Value)
73.00000000
/100
VC3 (Buyback)
36.00000000
/100
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
18.0%ile
ROE
0.060
ROA
0.009
Net Margin
0.153
Op Margin
0.192
GPA
0.043
D/E
5.76
Current
0.11
F-Score
3/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.130
Earn Growth
0.027
Stability
0.250
lower=better
Accruals
0.002
lower=better
5yr Consist
Yes
Highly leveraged with D/E of 5.76 — returns are being amplified by debt.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
81.0%ile
6M Return
27.9%
12M Return
41.8%
12-1 Mom
41.2%
Risk-Adj
2.15
Vol 252d
19.1%
Vol 60d
46.3%
↑ Expanding
Max DD 12M
-9.5%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of 41% is very strong — a clear uptrend. Risk-adjusted momentum of 2.15 is excellent — strong returns relative to volatility. Near-term vol (46%) is expanding vs long-term (19%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.36
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 500 peers
Sector Value %ile
1.0%
Sector Quality %ile
2.6%
P/E z-score
0.16
P/B z-score
-0.06
Sector Avg OS
85.5%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
CARE Carter Bank and Trust 99.0% 96.0% 96.0% 91.0%
BAP Credicorp Ltd 99.0% 97.0% 96.0% 91.0%
RILYL BRC Group Holdings, Inc. 99.0% 94.0% 88.0% 95.0%
BFH Bread Financial Holdings, Inc. 99.0% 97.0% 88.0% 89.0%
IX Orix Corp Ads 99.0% 98.0% 82.0% 90.0%
MRX Marex Group plc Ordinary Shares 98.0% 93.0% 81.0% 89.0%
MFG Mizuho Financial Group Inc. 98.0% 97.0% 70.0% 91.0%
BBDO Banco Bradesco S/A ADR 98.0% 97.0% 92.0% 77.0%
Factor Interactions
Volatility Expanding
60-day vol (46%) significantly exceeds 252-day (19%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
C
57.6% avg (7 factors)
Quality
F
28.2% avg (8 factors)
Momentum
A
79.8% avg (4 factors)
Risk
A
84.8% avg (1 factors)
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Score Trends7 snapshots
Factor Persistence7 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.360—0—
Value %ile0.350—0—
Quality %ile0.180—7—
Momentum %ile0.810—3—
F-Score3.000—3—
Confidence0.970—7—
Volatility0.191—5—
Value Lens2021-07-20 → 2026-07-19
P/E Ratio
Earnings Yield
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
21.73
Earnings Yield (E/P)
0.0728
Price / Sales
3.33
Price / Book
1.31
Price / Cash Flow
29.73
FCF Yield
4.7%
EBITDA / EV
7.8%
Sales Yield (1/P·S)
0.3801
Shareholder Yield
Div + net buyback / mktcap
2.3%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
6.0%
Return on Assets
0.9%
Net Margin
15.3%
Operating Margin
19.2%
Gross Profit / Assets
Novy-Marx GPA
4.3%
Debt / Equity
5.76
Current Ratio
0.11
Accruals Ratio
(NI-OCF)/Assets — lower=better
0.002
MomentumPrice trend strength over different horizons
6M Return
27.9%
12M Return
41.8%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
41.2%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
2.15
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
13.0%
Earnings Growth (YoY)
2.7%
Earnings Stability (CV)
Lower = more stable
0.250
5yr Consistent
EPS up every year for 5 years
Yes
Piotroski F-Score
3
Buyback Yield
2.3%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
74
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
73
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
36
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity