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Stock comparison · Signal date 2026-11-03

AVBC vs PBFS: stock comparison and AI forecast

Avidia Bancorp, Inc. (AVBC) and Pioneer Bancorp, Inc./Md (PBFS) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market

Share
NYSE · Savings Institutions, Not Federally Chartered

AVBC Avidia Bancorp, Inc.

Price
$23.50 +13.1% · 6M
Market Cap
$469M
P/E Ratio
111.9x
Size
small-cap
AI Forecast
Full analysis →
Nasdaq · Savings Institutions, Not Federally Chartered

PBFS Pioneer Bancorp, Inc./Md

Market Cap
$458M
P/E Ratio
131.8x
Size
small-cap
AI Forecast
Full analysis →
Model output

Which one does the AI model favor?

Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.

AVBC · PBFS

Key facts

  • AVBC and PBFS have similar market capitalizations ($469M and $458M).
  • AVBC trades at 111.9 times trailing earnings, PBFS at 131.8 times.
  • PBFS carries 6.20 times debt per unit of equity, against 6.14 times for AVBC.
  • Both companies share the SEC industry classification Savings Institutions, Not Federally Chartered.
Fundamentals

Fundamentals side by side

Trailing twelve months.

Valuation & Market

MetricAVBCPBFS
Market Cap$469M$458M
P/E Ratio111.91x131.79x
P/B Ratio1.20x1.40x
EPS$0.21$0.14
Book Value/Share$19.51$13.22
Revenue/Share$5.68$1.09
FCF/Share$2.41–

Profitability & Margins

MetricAVBCPBFS
ROE–1.1%
ROA–0.1%
Net Margin–12.9%
EBT Margin20.7%17.7%
Tax Rate25.0%27.2%

Financial Health

MetricAVBCPBFS
D/E Ratio6.14x6.20x
Financial Leverage7.14x7.20x

Cash Flow

MetricAVBCPBFS
Operating Cash Flow$51M$14M
Free Cash Flow$48M–
Capital Spending-$3M–
OCF Growth YoY–842.8%
FCF/Sales42.5%–
CapEx/Sales2.8%–

Operational Efficiency

MetricAVBCPBFS
Asset Turnover0.04x0.01x
Fixed Assets Turnover3.9x0.8x

Income Statement

MetricAVBCPBFS
Total Revenue$113M$27M
Net Income–$3M

Dividend & Shareholder Information

MetricAVBCPBFS
Shares Outstanding20M25M
Net Income Growth–-46.0%
EPS Growth–-46.1%
FAQ

AVBC vs PBFS: stock comparison and AI forecast

Which is bigger, AVBC or PBFS?

AVBC and PBFS have similar market capitalizations ($469M and $458M).

Which is cheaper on earnings, AVBC or PBFS?

AVBC trades at 111.9 times trailing earnings, PBFS at 131.8 times.

Which one does Intratio's AI model rank higher, AVBC or PBFS?

Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.

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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.