Roiver Score™ for
PBFSPioneer Bancorp, Inc. Common Stock
Savings Institutions, Not Federally Chartered
Based on fundamentals through 12/31/2025.
As of December 31, 2025, Pioneer Bancorp, Inc. Common Stock (PBFS) scores 36/100 (Mixed) on the Roiver Score — a transparent quality composite. Its strongest area is stability; its weakest is cash quality. The score measures business quality, not timing — it's a signal, not a recommendation.
No black box
Roiver Score is a transparent 0–100 quality composite. Five components, each 0–20: profitability, capital structure, cash quality, valuation, and stability. Inspired by Piotroski's F-Score, Altman's Z-Score, and the Buffett/Munger framework on quality compounders at fair prices. Read the full methodology →
Frequently asked about PBFS
What is PBFS's Roiver Score?
Pioneer Bancorp, Inc. Common Stock scores 36 out of 100 (Mixed) as of December 31, 2025, based on fundamentals.
How is the Roiver Score for PBFS calculated?
It sums five 0–20 components — profitability, capital structure, cash quality, valuation, and stability — into a transparent 0–100 composite. The full methodology is published.
Is PBFS a good quality stock?
On quality, PBFS rates "Mixed" (36/100). Its strongest driver is stability and its weakest is cash quality. Quality is one input to a decision, not a buy/sell call.
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Educational use only. Roiver Score is a quality signal, not a recommendation.