No connection

Search Results

PBFS vs V

PBFS
Pioneer Bancorp, Inc.
NEUTRAL
Price
$14.10
Market Cap
$344.2M
Sector
Financial Services
AI Confidence
80%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
PBFS
16.99
V
28.35
Forward P/E
PBFS
--
V
20.79
P/B Ratio
PBFS
1.06
V
15.09
P/S Ratio
PBFS
3.72
V
14.08
EV/EBITDA
PBFS
--
V
20.06

Profitability

Gross Margin
PBFS
0.0%
V
97.78%
Operating Margin
PBFS
30.87%
V
68.3%
Profit Margin
PBFS
21.91%
V
50.23%
ROE
PBFS
6.46%
V
53.95%
ROA
PBFS
0.98%
V
18.36%

Growth

Revenue Growth
PBFS
15.7%
V
14.6%
Earnings Growth
PBFS
16.8%
V
17.4%

Financial Health

Debt/Equity
PBFS
--
V
0.55
Current Ratio
PBFS
--
V
1.11
Quick Ratio
PBFS
--
V
0.72

Dividends

Dividend Yield
PBFS
--
V
0.89%
Payout Ratio
PBFS
0.0%
V
22.91%

AI Verdict

PBFS NEUTRAL

PBFS presents a valuation paradox: it trades below both its Graham Number ($15.74) and Intrinsic Value ($24.48), yet exhibits significant fundamental weakness. The Piotroski F-Score of 3/9 indicates a 'Weak' health status, suggesting deteriorating financial quality despite strong YoY revenue (15.7%) and earnings (16.8%) growth. Bearish insider sentiment and a 0/100 technical trend further dampen the outlook, offsetting the attractive Price-to-Book ratio of 1.06.

Strengths
Trading below Graham Number ($15.74) and Intrinsic Value ($24.48)
Strong YoY Revenue growth of 15.70%
Strong YoY Earnings growth of 16.80%
Risks
Weak Piotroski F-Score (3/9) indicating poor financial health trends
Bearish insider activity with net selling
Technical trend is currently 0/100 (Bearish)
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

PBFS vs V: Head-to-Head Comparison

This page compares Pioneer Bancorp, Inc. (PBFS) and Visa Inc. (V) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

Home
Terminal
AI
Markets
Profile