Pioneer Bancorp, Inc./MD (PBFS)
Savings Institutions, Not Federally Chartered · Financial Services · $422M
Intrinsic Value (Consensus)
$15.04
Current Price
$16.82
Margin of Safety
-10.6%
10.6% Above Intrinsic Value
Value: $15
Price: $17
Valuation Model Estimates
Current Price: $16.82
DCF (Discounted Cash Flow)
$19.95
Graham Number
$15.53
Earnings Power Value
$8.06
Relative Value (P/E)
$16.60
Dividend Discount Model
Not applicable
—
Consensus Value
$15.04
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
66
Profitability
15/25
Strength
17/25
Valuation
12/25
Growth
22/25
Financial Health Signals
Strong earnings growth (20% YoY)
Key Financials
- EPS (TTM)
- $0.83
- EPS (Forward)
- $1.00
- Book Value
- $12.91
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 6.3%
- Debt/Equity
- —
- Revenue Growth
- 88.3%
- Earnings Growth
- 20.0%
- Dividend Yield
- N/A
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance