Flagstar Bank N.A. (FLG) vs Pioneer Bancorp (PBFS)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Pioneer Bancorp (PBFS) has outperformed Flagstar Bank N.A. (FLG) over the past year, gaining 34.3% versus a loss of 5.1%. Over five years, PBFS leads with a +43.1% price change compared with -72.7% for FLG. Flagstar Bank N.A. is the larger company by market cap ($4.71 billion vs $426.0 million), about 11.1 times the size.
On valuation, Pioneer Bancorp trades at a lower trailing P/E (25.2x vs 378.3x for Flagstar Bank N.A.). Flagstar Bank N.A. pays a dividend yielding 0.35%, while Pioneer Bancorp does not currently pay one.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | FLG | PBFS |
|---|---|---|
| Share price | $11.35 | $17.62 |
| Market cap | $4.71B | $426.05M |
| 1-day change | +0.44% | +1.67% |
| YTD return | -9.85% | +30.71% |
| 1-year return | -5.10% | +34.30% |
| 5-year return | -72.68% | +43.14% |
| P/E ratio (TTM) | 378.33 | 25.17 |
| Forward P/E | 9.36 | — |
| EPS (TTM) | $0.03 | $0.70 |
| Dividend yield | 0.35% | 0.00% |
| Annual dividend | $0.04 | $0.00 |
| Revenue (latest FY) | $2.06B | — |
| Revenue growth (YoY) | -19.20% | — |
| Net income (latest FY) | $-177.00M | — |
| Net margin | -8.58% | — |
| 52-week high | $15.44 | $19.91 |
| 52-week low | $10.57 | $12.64 |
| Distance from 52-week high | -26.49% | -11.50% |
| Analyst consensus | buy | — |
| Avg. price target upside | +38.85% | — |
| Average volume | 4.62M | 12.62K |
| Shares outstanding | 415.09M | 24.18M |
| Employees | 5,631 | 298 |
| Sector | Finance | Finance |
| Industry | Banks | Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- Flagstar Bank N.A. is about 11.1 times larger than Pioneer Bancorp by market value ($4.71B vs $426.05M).
- PBFS has outperformed FLG by 39.4 percentage points over the past year.
- Flagstar Bank N.A. trades at a higher earnings multiple (378.3x vs 25.2x trailing P/E).
About Flagstar Bank N.A.
FLG stock →Flagstar Bank, National Association provides banking products and services in the United States. The company's deposit products include interest-bearing checking and money market, savings, and non-interest-bearing accounts, as well as certificates of deposit.
Finance · Banks · 5,631 employees
About Pioneer Bancorp
PBFS stock →Pioneer Bancorp, Inc. operates as a holding company for Pioneer Bank, National Association that provides various banking products and services in New York.
Finance · Banks · 298 employees
FLG vs PBFS FAQ
Which is bigger, Flagstar Bank N.A. or Pioneer Bancorp?
Flagstar Bank N.A. (FLG) is larger, with a market capitalization of $4.71B compared with $426.05M for Pioneer Bancorp (PBFS).
Which stock has performed better over the past year, FLG or PBFS?
PBFS returned +34.30% over the past 12 months, compared with -5.10% for FLG (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FLG or PBFS?
PBFS has the lower trailing P/E at 25.2, versus 378.3 for FLG. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Flagstar Bank N.A. or Pioneer Bancorp?
Flagstar Bank N.A. pays a dividend yielding 0.35%, while Pioneer Bancorp does not currently pay a regular dividend.
Are Flagstar Bank N.A. and Pioneer Bancorp in the same industry?
Yes. Both are classified in the Banks industry within the Finance sector.