Pioneer Bancorp (PBFS) vs USCB Financial (USCB)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Pioneer Bancorp (PBFS) has outperformed USCB Financial (USCB) over the past year, gaining 33.2% versus a gain of 28.2%. Over five years, USCB leads with a +74.2% price change compared with +40.8% for PBFS. Pioneer Bancorp is the larger company by market cap ($419.0 million vs $406.1 million), about 1.0 times the size.
On valuation, USCB Financial trades at a lower trailing P/E (14.3x vs 24.8x for Pioneer Bancorp). USCB Financial pays a dividend yielding 2.05%, 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 | PBFS | USCB |
|---|---|---|
| Share price | $17.33 | $21.98 |
| Market cap | $419.04M | $406.07M |
| 1-day change | -1.17% | -1.43% |
| YTD return | +28.56% | +19.33% |
| 1-year return | +33.21% | +28.24% |
| 5-year return | +40.78% | +74.17% |
| P/E ratio (TTM) | 24.76 | 14.27 |
| Forward P/E | — | 9.43 |
| EPS (TTM) | $0.70 | $1.54 |
| Dividend yield | 0.00% | 2.05% |
| Annual dividend | $0.00 | $0.45 |
| 52-week high | $19.91 | $23.89 |
| 52-week low | $12.64 | $16.36 |
| Distance from 52-week high | -12.96% | -7.98% |
| Analyst consensus | — | none |
| Avg. price target upside | — | +10.78% |
| Average volume | 12.68K | 67.23K |
| Shares outstanding | 24.18M | 18.47M |
| Employees | 298 | 216 |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Regional | Banks - Regional |
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
- Pioneer Bancorp trades at a higher earnings multiple (24.8x vs 14.3x trailing P/E).
- USCB Financial offers a meaningfully higher dividend yield (2.05% vs 0.00%).
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.
Financial Services · Banks - Regional · 298 employees
About USCB Financial
USCB stock →USCB Financial Holdings, Inc. operates as the bank holding company for U.S.
Financial Services · Banks - Regional · 216 employees
PBFS vs USCB FAQ
Which is bigger, Pioneer Bancorp or USCB Financial?
Pioneer Bancorp (PBFS) is larger, with a market capitalization of $419.04M compared with $406.07M for USCB Financial (USCB).
Which stock has performed better over the past year, PBFS or USCB?
PBFS returned +33.21% over the past 12 months, compared with +28.24% for USCB (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, PBFS or USCB?
USCB has the lower trailing P/E at 14.3, versus 24.8 for PBFS. 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, Pioneer Bancorp or USCB Financial?
USCB Financial pays a dividend yielding 2.05%, while Pioneer Bancorp does not currently pay a regular dividend.
Are Pioneer Bancorp and USCB Financial in the same industry?
Yes. Both are classified in the Banks - Regional industry within the Financial Services sector.