Is Pioneer Bancorp, Inc. (New York) overvalued or undervalued?

Oct 19 2025 12:05 PM IST
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As of October 17, 2025, Pioneer Bancorp, Inc. is considered very attractive in valuation with a P/E ratio of 19, a price-to-book value of 0.99, and a PEG ratio of 0.44, indicating strong growth potential despite underperforming the S&P 500 over three years but achieving a 1-year return of 17.0%.
As of 17 October 2025, Pioneer Bancorp, Inc. (New York) has moved from an attractive to a very attractive valuation grade. The company appears undervalued based on its current metrics, with a P/E ratio of 19, a price-to-book value of 0.99, and a PEG ratio of 0.44, indicating strong growth potential relative to its price.

In comparison to its peers, Pioneer Bancorp's P/E ratio of 19 is significantly higher than that of Orrstown Financial Services, Inc. at 10.63, but lower than Unity Bancorp, Inc. at 11.21. The company's return on capital employed (ROCE) stands at 11.22%, which reflects efficient use of capital compared to its peers. Although Pioneer has underperformed the S&P 500 over the longer term, with a 3-year return of 30.1% compared to the S&P's 81.19%, it has still delivered a solid 1-year return of 17.0%, outperforming the index's 14.08%.
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