Pioneer Bankcorp, Inc.
FAIR PRICE VALUATION
Updated daily
Model: DCF 50% · Relative 30% · Consensus 20%
MARKET PRICE
$76.94
FAIR PRICE
$103.69
MARGIN
$26.75
P/E Ratio
N/A
Div. Yield
N/A
ROE
N/A
Market Cap
N/A
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FPI RATING
Stable earnings and revenue across the board.
Analytical data, not an investment recommendation. Updated daily.
How we calculate this ↗MARGIN OF SAFETY
A 20% margin of safety below fair value — the conservative entry level for risk-aware investors.
SAFETY MARGIN
20%
Below fair value
ENTRY LEVEL
$82.95
Fair price × 0.80
DISTANCE
7.8%
Price to entry level
At the current price of $76.94, PBKC trades 7.8% below the conservative entry level of $82.95. The stock is currently priced below the 20% margin of safety threshold, indicating a potential value opportunity based on the model.
Margin of safety is a risk management concept, not an investment recommendation. The 20% threshold follows Benjamin Graham's value investing framework. Fair price and entry levels are model-based estimates updated daily. Learn more about Margin of Safety ↗
VALUATION HISTORY
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P/E RATIO HISTORY
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METHODOLOGY
How we calculate PBKC's fair price
Pioneer Bankcorp, Inc.'s fair price of $103.69 is derived from a blended model that combines DCF analysis (50%), relative valuation against Financial Services peers using metrics like P/E and EV/EBITDA (30%), and analyst consensus (20%). At the current market price of $76.94, PBKC trades 34.8% below its calculated fair value.
DCF MODEL · 50%
Discounted free cash flow analysis based on projected cash flows, discounted at a rate reflecting PBKC's risk profile.
RELATIVE · 30%
Comparing PBKC's valuation multiples against Financial Services peers to determine if the stock is over or undervalued relative to its industry.
ANALYST · 20%
Aggregated analyst price targets for PBKC, weighted by recency and analyst accuracy.
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Want to test your own assumptions? Use our free calculators to estimate PBKC's fair value with your own inputs.
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What is the fair price of PBKC?+
Based on our blended model combining DCF analysis (50%), relative valuation against Financial Services peers (30%), and analyst consensus (20%), the fair price for Pioneer Bankcorp, Inc. is $103.69. At the current market price of $76.94, PBKC trades 34.8% below its calculated fair value.
Is PBKC overvalued or undervalued?+
Pioneer Bankcorp, Inc. is currently undervalued based on our valuation model. The stock trades at $76.94, which is 34.8% below the fair price of $103.69.
What is the margin of safety for PBKC?+
With a 20% margin of safety applied to the fair price of $103.69, the conservative entry level for PBKC is $82.95. At the current market price of $76.94, the stock trades 7.8% below this entry level. Margin of safety is a risk management concept from Benjamin Graham's value investing framework, not an investment recommendation.
How often is PBKC's fair price updated?+
We update fair price calculations for PBKC daily after market close. The current fair price of $103.69 incorporates the latest market data and sector multiples.
What factors affect PBKC's fair price calculation?+
PBKC's fair price of $103.69 is derived from DCF analysis (50% weight), relative valuation against Financial Services peers (30% weight), and analyst consensus (20% weight)..
Is PBKC a good buy right now?+
At $76.94, PBKC trades 34.8% below our fair value estimate of $103.69. The stock is currently undervalued. Fair Price Index provides valuation data — always do your own research before investing.
Does PBKC pay dividends?+
PBKC does not currently pay a dividend.
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Fair Price Index is for informational purposes only and does not constitute investment advice. Fair value calculations are model-based estimates and may not reflect actual market conditions. Always conduct your own research before making investment decisions.