PBFS
Pioneer Bancorp, Inc. Financial Services - Banks - Regional Investor Relations →
Pioneer Bancorp, Inc. (PBFS) closed at $13.51 as of 2026-03-20, trading 24.7% above its 200-week moving average of $10.83. The stock is currently moving closer to the line, down from 26.7% last week. The 14-week RSI sits at 36, indicating neutral momentum.
A big spike in selling this week — 3.5x the usual volume, and the price dropped. Sometimes this kind of heavy selling marks the end of a decline. The idea is that the last reluctant holders have finally sold, leaving fewer sellers left to push the price lower.
Over the past 300 weeks of data, PBFS has crossed below its 200-week moving average 6 times. On average, these episodes lasted 27 weeks. Historically, investors who bought PBFS at the start of these episodes saw an average one-year return of +3.9%.
With a market cap of $339 million, PBFS is a small-cap stock. Return on equity stands at 6.5%. The stock trades at 1.0x book value.
The company has been aggressively buying back shares, reducing its share count by 6.1% over the past three years.
Over the past 5.8 years, a hypothetical investment of $100 in PBFS would have grown to $154, compared to $229 for the S&P 500. PBFS has returned 7.6% annualized vs 15.2% for the index, underperforming the broader market over this period.
Free cash flow has been declining at a -43.7% compound annual rate. A deteriorating cash flow trend warrants extra scrutiny — the stock may be cheap for a reason.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
Growth of $100: PBFS vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After PBFS Crosses Below the Line?
Across 6 historical episodes, buying PBFS when it crossed below its 200-week moving average produced an average return of +1.3% after 12 months (median +1.0%), compared to +14.2% for the S&P 500 over the same periods. 50% of those episodes were profitable after one year. After 24 months, the average return was -1.8% vs +28.6% for the index.
Each line shows $100 invested at the moment PBFS crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Historical Touches
PBFS has crossed below its 200-week MA 6 times with an average 1-year return of +3.9% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Jun 2020 | Mar 2021 | 36 | 30.4% | +41.0% | +54.0% |
| Jul 2021 | Jul 2021 | 1 | 0.7% | -14.9% | +18.0% |
| Dec 2021 | Nov 2022 | 49 | 18.7% | +4.3% | +20.1% |
| Jan 2023 | Jan 2023 | 2 | 3.0% | -9.1% | +22.2% |
| Feb 2023 | Jul 2024 | 72 | 27.7% | -17.4% | +20.5% |
| Aug 2024 | Aug 2024 | 2 | 1.1% | +19.3% | +29.9% |
| Average | 27 | — | +3.9% | — |
Frequently Asked Questions
Is PBFS below its 200-week moving average?
No. Pioneer Bancorp, Inc. (PBFS) is currently 24.7% above its 200-week moving average of $10.83. It would need to fall to $10.83 to cross below the line.
What is PBFS's 200-week moving average price?
Pioneer Bancorp, Inc.'s 200-week moving average is $10.83 as of 2026-03-20. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when PBFS drops below its 200-week moving average?
PBFS has crossed below its 200-week moving average 6 times in our data. On average, buying at that moment produced a one-year return of +3.9%. These dips have historically been decent entry points. These episodes lasted 27 weeks on average.
Is PBFS a good value right now?
Here's what our data says about PBFS as of 2026-03-20: The stock is above its 200-week moving average, so it doesn't currently meet our primary signal. The 14-week RSI is 36. Return on equity is 6.5%. Price-to-book is 1.0x. This is not a buy or sell recommendation — always do your own research.
How does PBFS compare to the S&P 500?
Over the past 5.8 years, $100 invested in PBFS would have grown to $154, compared to $229 for the S&P 500. That's 7.6% annualized vs 15.2% for the index. PBFS has underperformed the broader market over this period.
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of week of 2026-03-20