Which has the lower trailing P/E, ACIC or PBFS?

ACIC has the lower trailing P/E: ACIC trades at 4.67 and PBFS at 25.52. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, ACIC or PBFS?

Over the past five years, PBFS grew revenue faster — ACIC at a -15.60% CAGR versus PBFS at 17.71%.

Is ACIC or PBFS more profitable?

ACIC runs the higher net margin — ACIC at 30.33% versus PBFS at 12.49%.

How have ACIC and PBFS total returns compared?

Over the past 5 years, ACIC delivered 20.03% and PBFS delivered 6.35% annualized total return. Past performance doesn't predict future results.

American Coastal Insurance Corporation (ACIC) vs Pioneer Bancorp, Inc. (PBFS)

A side-by-side comparison of American Coastal Insurance Corporation and Pioneer Bancorp, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.

ACIC

American Coastal Insurance Corporation

$455M

$9.39Financial ServicesDelayed quote: Oct 6, 2026, 1:55 PM EDT

PBFS

Pioneer Bancorp, Inc.

$442M

$17.61Financial ServicesDelayed quote: Oct 6, 2026, 1:55 PM EDT

Total return — ACIC vs PBFS

growth of $100 · dividends reinvested · last 7y

ACIC -23.3% (-3.7%/yr)PBFS +17.8% (+2.4%/yr)PBFS compounded faster over this window

ACIC PBFS

ACIC vs PBFS: by the numbers

•ACIC is the larger company ($455M vs $442M market cap).
•ACIC trades at the lower trailing earnings multiple (4.67 vs 25.52 P/E), one valuation lens rather than an overall verdict.
•ACIC converts more revenue to profit (30.33% vs 12.49% net margin).
•PBFS grew revenue faster over the past five years (17.71% vs -15.60% CAGR).

Metrics side by side

Valuation

Metric	ACIC	PBFS
P/E ratio	4.67	25.52
Forward P/E	9.78	N/A
PEG ratio	N/A	0.32
P/S ratio	1.38	3.27
P/B ratio	1.34	N/A

Profitability

Metric	ACIC	PBFS
Operating margin	40.30%	15.89%
Net margin	30.33%	12.49%
ROE	29.40%	5.13%

American Coastal Insurance Corporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Pioneer Bancorp, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Growth (annualized)

Metric	ACIC	PBFS
Revenue CAGR (5Y)	-15.60%	17.71%
EPS CAGR (5Y)	N/A	80.78%
Total return CAGR (5Y)	20.03%	6.35%

Frequently asked

Which has the lower trailing P/E, ACIC or PBFS?: ACIC has the lower trailing P/E: ACIC trades at 4.67 and PBFS at 25.52. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, ACIC or PBFS?: Over the past five years, PBFS grew revenue faster — ACIC at a -15.60% CAGR versus PBFS at 17.71%.
Is ACIC or PBFS more profitable?: ACIC runs the higher net margin — ACIC at 30.33% versus PBFS at 12.49%.
How have ACIC and PBFS total returns compared?: Over the past 5 years, ACIC delivered 20.03% and PBFS delivered 6.35% annualized total return. Past performance doesn't predict future results.

Go deeper

Full ACIC analysis Full PBFS analysis Interactive comparison tool

Dig into the metrics

American Coastal Insurance P/E ratio Pioneer Bancorp P/E ratio American Coastal Insurance ROE Pioneer Bancorp ROE American Coastal Insurance operating margin Pioneer Bancorp operating margin American Coastal Insurance revenue growth Pioneer Bancorp revenue growth

American Coastal Insurance & Pioneer Bancorp appear in these rankings

Fastest Revenue Growth Stocks Highest ROE Stocks Highest Operating Margin Stocks Lowest P/E Ratio Stocks

Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.