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

FRBA has the lower trailing P/E: FRBA trades at 10.54 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, FRBA or PBFS?

Over the past five years, FRBA grew revenue faster — FRBA at a 20.37% CAGR versus PBFS at 17.71%.

Does FRBA or PBFS pay a bigger dividend?

FRBA pays a dividend (1.87% yield), while PBFS has no payments in the available dividend history.

Is FRBA or PBFS more profitable?

FRBA runs the higher net margin — FRBA at 17.31% versus PBFS at 12.49%.

How have FRBA and PBFS total returns compared?

Over the past 5 years, FRBA delivered 6.03% and PBFS delivered 6.35% annualized total return. Past performance doesn't predict future results.

First Bank (FRBA) vs Pioneer Bancorp, Inc. (PBFS)

A side-by-side comparison of First Bank 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.

FRBA

First Bank

$448M

$17.82Financial ServicesDelayed quote: Oct 6, 2026, 1:00 PM EDT

PBFS

Pioneer Bancorp, Inc.

$443M

$17.67Financial ServicesDelayed quote: Oct 6, 2026, 12:54 PM EDT

Total return — FRBA vs PBFS

growth of $100 · dividends reinvested · last 7y

FRBA +72.3% (+8.1%/yr)PBFS +17.8% (+2.4%/yr)FRBA compounded faster over this window

FRBA PBFS

FRBA vs PBFS: by the numbers

•FRBA is the larger company ($448M vs $443M market cap).
•FRBA trades at the lower trailing earnings multiple (10.54 vs 25.61 P/E), one valuation lens rather than an overall verdict.
•FRBA converts more revenue to profit (17.31% vs 12.49% net margin).
•FRBA grew revenue faster over the past five years (20.37% vs 17.71% CAGR).
•FRBA pays a dividend (1.87% yield), while PBFS has no payments in the available dividend history.

Metrics side by side

Valuation

Metric	FRBA	PBFS
P/E ratio	10.54	25.61
Forward P/E	11.02	N/A
PEG ratio	0.85	0.32
P/S ratio	1.82	3.29
P/B ratio	0.99	N/A

Profitability

Metric	FRBA	PBFS
Operating margin	22.93%	15.89%
Net margin	17.31%	12.49%
ROE	9.39%	5.13%

First Bank: 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	FRBA	PBFS
Dividend yield	1.87%	N/A
Payout ratio	19.53%	N/A

Growth (annualized)

Metric	FRBA	PBFS
Revenue CAGR (5Y)	20.37%	17.71%
EPS CAGR (5Y)	12.30%	80.78%
Total return CAGR (5Y)	6.03%	6.35%

Frequently asked

Which has the lower trailing P/E, FRBA or PBFS?: FRBA has the lower trailing P/E: FRBA trades at 10.54 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, FRBA or PBFS?: Over the past five years, FRBA grew revenue faster — FRBA at a 20.37% CAGR versus PBFS at 17.71%.
Does FRBA or PBFS pay a bigger dividend?: FRBA pays a dividend (1.87% yield), while PBFS has no payments in the available dividend history.
Is FRBA or PBFS more profitable?: FRBA runs the higher net margin — FRBA at 17.31% versus PBFS at 12.49%.
How have FRBA and PBFS total returns compared?: Over the past 5 years, FRBA delivered 6.03% and PBFS delivered 6.35% annualized total return. Past performance doesn't predict future results.

Go deeper

Full FRBA analysis Full PBFS analysis Interactive comparison tool

Dig into the metrics

First Bank P/E ratio Pioneer Bancorp P/E ratio First Bank dividend yield First Bank ROE Pioneer Bancorp ROE First Bank operating margin Pioneer Bancorp operating margin First Bank revenue growth Pioneer Bancorp revenue growth

First Bank & Pioneer Bancorp appear in these rankings

Fastest Revenue Growth 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.