AMERISAFE, Inc. (AMSF) vs Pioneer Bancorp, Inc. (PBFS)
A side-by-side comparison of AMERISAFE, Inc. 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.
Total return — AMSF vs PBFS
growth of $100 · dividends reinvested · last 7yAMSF vs PBFS: by the numbers
- •PBFS is the larger company ($443M vs $439M market cap).
- •AMSF trades at the lower trailing earnings multiple (9.47 vs 25.61 P/E), one valuation lens rather than an overall verdict.
- •AMSF converts more revenue to profit (14.00% vs 12.49% net margin).
- •PBFS grew revenue faster over the past five years (17.71% vs -0.02% CAGR).
- •AMSF pays a dividend (11.25% yield), while PBFS has no payments in the available dividend history.
Metrics side by side
Valuation
| Metric | AMSF | PBFS |
|---|---|---|
| P/E ratio | 9.47 | 25.61 |
| Forward P/E | 11.89 | N/A |
| PEG ratio | N/A | 0.32 |
| P/S ratio | 1.31 | 3.29 |
| P/B ratio | 1.76 | N/A |
Profitability
| Metric | AMSF | PBFS |
|---|---|---|
| Operating margin | 18.55% | 15.89% |
| Net margin | 14.00% | 12.49% |
| ROE | 18.79% | 5.13% |
AMERISAFE, 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.
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.
Dividends
| Metric | AMSF | PBFS |
|---|---|---|
| Dividend yield | 11.25% | N/A |
| Payout ratio | 105.65% | N/A |
Growth (annualized)
| Metric | AMSF | PBFS |
|---|---|---|
| Revenue CAGR (5Y) | -0.02% | 17.71% |
| EPS CAGR (5Y) | -11.20% | 80.78% |
| Total return CAGR (5Y) | -9.78% | 6.35% |
Frequently asked
- Which has the lower trailing P/E, AMSF or PBFS?
- AMSF has the lower trailing P/E: AMSF trades at 9.47 and PBFS at 25.61. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, AMSF or PBFS?
- Over the past five years, PBFS grew revenue faster — AMSF at a -0.02% CAGR versus PBFS at 17.71%.
- Does AMSF or PBFS pay a bigger dividend?
- AMSF pays a dividend (11.25% yield), while PBFS has no payments in the available dividend history.
- Is AMSF or PBFS more profitable?
- AMSF runs the higher net margin — AMSF at 14.00% versus PBFS at 12.49%.
- How have AMSF and PBFS total returns compared?
- Over the past 5 years, AMSF delivered -9.78% and PBFS delivered 6.35% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
AMERISAFE & Pioneer Bancorp appear in these rankings
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.