PBFS vs KREF

Comparison between Pioneer Bancorp Inc (PBFS, Company) and KKR Real Estate Finance Trust Inc (KREF, Company).

PBFS is from the Financial Services sector, while KREF is from the Real Estate sector.

5-Year PerformancePBFS has outperformed KREF, delivering a return of +8.3% compared to -10.3%

PBFS vs KREF - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	PBFS(COMPANY)	KREF(COMPANY)
Market Cap	$435M	$434M
Max Drawdown	48.33%	74.61%
Sharpe Ratio	1.32	-0.37
5Y Beta	0.39	0.81
Industry	Banks - Regional	Reit - Mortgage
P/E Ratio	22.11	-2.42
Forward P/E	N/A	11.67
PEG Ratio	N/A	-0.00
Dividend Yield	N/A	11.20%
5Y Dividends CAGR	N/A	-11.14%
5Y EPS CAGR	31.87%	N/A
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	3.33%	14.52%
P/S Ratio	4.61	326.45
P/B Ratio	1.32	0.45

Market Cap

Winner

PBFS

$435M

KREF

$434M

Max Drawdown

Winner

PBFS

48.33%

KREF

74.61%

Sharpe Ratio

Winner

PBFS

1.32

KREF

-0.37

5Y Beta

Winner

PBFS

0.39

KREF

0.81

Industry

PBFS

Banks - Regional

KREF

Reit - Mortgage

P/E Ratio

PBFS

22.11

Winner

KREF

-2.42

Forward P/E

PBFS

N/A

KREF

11.67

PEG Ratio

PBFS

N/A

KREF

-0.00

Dividend Yield

PBFS

N/A

KREF

11.20%

5Y Dividends CAGR

PBFS

N/A

KREF

-11.14%

5Y EPS CAGR

PBFS

31.87%

KREF

N/A

Debt to Equity

PBFS

0.00%

KREF

0.00%

Free Cash Flow Yield

PBFS

3.33%

Winner

KREF

14.52%

P/S Ratio

Winner

PBFS

4.61

KREF

326.45

P/B Ratio

PBFS

1.32

Winner

KREF

0.45

PBFS vs KREF - Historical Returns

Returns include dividend reinvestment.

Period	PBFS	KREF
1 month	+1.41%	+3.05%
3 months	+21.26%	+18.96%
6 months	+27.53%	-7.48%
1 year	+37.03%	-11.96%
5 years(CAGR)	+8.34%	-10.34%
10 years(CAGR)	N/A	-2.29%
Max(CAGR)	+2.28%	-2.29%

PBFS

+1.41%

Winner

KREF

+3.05%

Winner

PBFS

+21.26%

KREF

+18.96%

Winner

PBFS

+27.53%

KREF

-7.48%

Winner

PBFS

+37.03%

KREF

-11.96%

5Y(CAGR)

Winner

PBFS

+8.34%

KREF

-10.34%

10Y(CAGR)

PBFS

N/A

KREF

-2.29%

Max(CAGR)

Winner

PBFS

+2.28%

KREF

-2.29%

PBFS vs KREF - Annual Returns (2017 - 2026)

Returns include dividend reinvestment.

Year	PBFS	KREF
2026	+29.83%	-8.93%
2025	+19.19%	-10.28%
2024	+16.36%	-15.67%
2023	-13.86%	+7.03%
2022	+1.69%	-27.15%
2021	+9.80%	+31.31%
2020	-30.64%	-2.48%
2019	+3.80%	+15.89%
2018	N/A	+4.47%
2017	N/A	-5.23%

PBFS vs KREF Drawdown Comparison

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

The maximum drawdown for KREF was -57.40%, occurring on Mar 27, 2026. This drawdown has not yet recovered.

The current PBFS drawdown is -1.54%. The current KREF drawdown is -47.34%.

Rank	PBFS	KREF
#1	-48.33% Dec 31, 2019 - Jun 1, 2026	-57.40% Oct 27, 2021 - Mar 27, 2026
#2	-17.99% Sep 11, 2019 - Dec 27, 2019	-55.29% Feb 21, 2020 - Apr 12, 2021
#3	-5.78% Jun 2, 2026 - Jun 11, 2026	-15.11% Jun 2, 2017 - Aug 24, 2018
#4	-5.29% Jul 18, 2019 - Sep 9, 2019	-10.60% Jun 16, 2021 - Oct 20, 2021
#5	-2.95% Jul 2, 2026 - Jul 16, 2026	-10.11% Aug 27, 2018 - Jan 31, 2019
#6	-2.55% Jun 25, 2026 - Jul 1, 2026	-8.92% May 3, 2021 - May 27, 2021
#7	-2.17% Jul 16, 2026 - Jul 17, 2026	-7.00% Jul 23, 2019 - Oct 25, 2019
#8	-1.90% Jun 12, 2026 - Jun 18, 2026	-3.32% May 3, 2019 - Jul 2, 2019
#9	-0.40% Dec 27, 2019 - Dec 31, 2019	-3.19% Feb 4, 2019 - Apr 8, 2019
#10	-0.35% Jun 18, 2026 - Jun 24, 2026	-3.03% May 26, 2017 - Jun 2, 2017
#11	N/A	-2.81% Oct 28, 2019 - Dec 5, 2019
#12	N/A	-1.81% Jun 9, 2021 - Jun 14, 2021
#13	N/A	-1.66% Dec 6, 2019 - Dec 18, 2019
#14	N/A	-1.45% May 5, 2017 - May 16, 2017
#15	N/A	-1.41% Apr 16, 2021 - Apr 27, 2021