OXLCO vs PBFS

Comparison between Oxford Lane Capital Corp (OXLCO, Company) and Pioneer Bancorp Inc (PBFS, Company).

Both OXLCO and PBFS are from the Financial Services sector.

5-Year PerformancePBFS has outperformed OXLCO, delivering a return of +7.7% compared to +6.0%

OXLCO vs PBFS - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	OXLCO(COMPANY)	PBFS(COMPANY)
Market Cap	$432M	$431M
Max Drawdown	19.95%	48.33%
Sharpe Ratio	0.64	1.16
5Y Beta	0.04	0.37
Industry	Asset Management	Banks - Regional
P/E Ratio	26.80	25.75
PEG Ratio	0.00	N/A
Dividend Yield	21.20%	N/A
5Y EPS CAGR	N/A	16.96%
Debt to Equity	N/A	0.00%
Free Cash Flow Yield	N/A	5.59%
P/S Ratio	0.88	4.24
P/B Ratio	N/A	1.31

Market Cap

Winner

OXLCO

$432M

PBFS

$431M

Max Drawdown

Winner

OXLCO

19.95%

PBFS

48.33%

Sharpe Ratio

OXLCO

0.64

Winner

PBFS

1.16

5Y Beta

Winner

OXLCO

0.04

PBFS

0.37

Industry

OXLCO

Asset Management

PBFS

Banks - Regional

P/E Ratio

OXLCO

26.80

Winner

PBFS

25.75

PEG Ratio

OXLCO

0.00

PBFS

N/A

Dividend Yield

OXLCO

21.20%

PBFS

N/A

5Y EPS CAGR

OXLCO

N/A

PBFS

16.96%

Debt to Equity

OXLCO

N/A

PBFS

0.00%

Free Cash Flow Yield

OXLCO

N/A

PBFS

5.59%

P/S Ratio

Winner

OXLCO

0.88

PBFS

4.24

P/B Ratio

OXLCO

N/A

PBFS

1.31

OXLCO vs PBFS - Historical Returns

Returns include dividend reinvestment.

Period	OXLCO	PBFS
1 month	-1.13%	+3.81%
3 months	+1.86%	+17.39%
6 months	+4.16%	+19.40%
1 year	+10.07%	+36.20%
5 years(CAGR)	+5.96%	+7.74%
Max(CAGR)	+6.08%	+2.38%

OXLCO

-1.13%

Winner

PBFS

+3.81%

OXLCO

+1.86%

Winner

PBFS

+17.39%

OXLCO

+4.16%

Winner

PBFS

+19.40%

OXLCO

+10.07%

Winner

PBFS

+36.20%

5Y(CAGR)

OXLCO

+5.96%

Winner

PBFS

+7.74%

Max(CAGR)

Winner

OXLCO

+6.08%

PBFS

+2.38%

OXLCO vs PBFS - Annual Returns (2019 - 2026)

Returns include dividend reinvestment.

Year	OXLCO	PBFS
2026	+5.89%	+30.88%
2025	+9.57%	+19.19%
2024	+9.48%	+16.36%
2023	+12.74%	-13.86%
2022	-12.12%	+1.69%
2021	+2.89%	+9.80%
2020	N/A	-30.64%
2019	N/A	+3.80%

OXLCO vs PBFS Drawdown Comparison

The maximum drawdown for OXLCO was -16.34%, occurring on Oct 27, 2022. Recovery took 422 trading sessions.

The maximum drawdown for PBFS was -48.33%, occurring on Nov 13, 2023. Recovery took 1611 trading sessions.

The current OXLCO drawdown is -2.22%. The current PBFS drawdown is -3.33%.

Rank	OXLCO	PBFS
#1	-16.34% Apr 19, 2022 - Dec 21, 2023	-48.33% Dec 31, 2019 - Jun 1, 2026
#2	-5.27% May 11, 2026 - May 18, 2026	-17.99% Sep 11, 2019 - Dec 27, 2019
#3	-3.29% Feb 2, 2024 - Apr 4, 2024	-5.78% Jun 2, 2026 - Jun 11, 2026
#4	-2.87% Mar 26, 2025 - May 20, 2025	-5.29% Jul 18, 2019 - Sep 9, 2019
#5	-2.20% Nov 10, 2025 - Dec 18, 2025	-5.22% Jul 28, 2026 - Aug 11, 2026
#6	-2.12% Feb 13, 2026 - Apr 9, 2026	-2.95% Jul 2, 2026 - Jul 16, 2026
#7	-2.12% Dec 21, 2023 - Jan 9, 2024	-2.55% Jun 25, 2026 - Jul 1, 2026
#8	-1.96% Jul 18, 2025 - Aug 27, 2025	-2.17% Jul 16, 2026 - Jul 24, 2026
#9	-1.71% Dec 4, 2024 - Jan 24, 2025	-1.90% Jun 12, 2026 - Jun 18, 2026
#10	-1.67% Jun 24, 2024 - Aug 6, 2024	-0.40% Dec 27, 2019 - Dec 31, 2019
#11	-1.65% Apr 23, 2024 - May 6, 2024	-0.35% Jun 18, 2026 - Jun 24, 2026
#12	-1.64% Sep 16, 2024 - Oct 1, 2024	N/A
#13	-1.55% Apr 8, 2024 - Apr 17, 2024	N/A
#14	-1.52% Nov 15, 2021 - Dec 31, 2021	N/A
#15	-1.45% Dec 30, 2025 - Jan 14, 2026	N/A