PBFS
Pioneer Bancorp, Inc. Financial Services - Banks - Regional Investor Relations →
Pioneer Bancorp, Inc. (PBFS) closed at $14.89 as of 2026-02-02, trading 39.0% above its 200-week moving average of $10.72. The stock moved further from the line this week, up from 32.3% last week. The 14-week RSI sits at 68, indicating neutral momentum.
Over the past 294 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 $377 million, PBFS is a small-cap stock. Return on equity stands at 6.6%. The stock trades at 1.2x book value.
Over the past 5.8 years, a hypothetical investment of $100 in PBFS would have grown to $169, compared to $243 for the S&P 500. PBFS has returned 9.6% annualized vs 16.7% for the index, underperforming the broader market over this period.
Free cash flow has been declining at a -10.5% compound annual rate. A deteriorating cash flow trend warrants extra scrutiny — the stock may be cheap for a reason.
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% | +69.8% |
| Jul 2021 | Jul 2021 | 1 | 0.7% | -14.9% | +30.0% |
| Dec 2021 | Nov 2022 | 49 | 18.7% | +4.3% | +32.4% |
| Jan 2023 | Jan 2023 | 2 | 3.0% | -9.1% | +34.6% |
| Feb 2023 | Jul 2024 | 72 | 27.7% | -17.4% | +32.8% |
| Aug 2024 | Aug 2024 | 2 | 1.1% | +19.3% | +43.2% |
| Average | 27 | — | +3.9% | — |
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 Friday close, 2026-02-02