PBFS vs OXLCO

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

Both PBFS and OXLCO are from the Financial Services sector.

5-Year PerformancePBFS has outperformed OXLCO, delivering a return of +6.9% compared to +5.9%

PBFS vs OXLCO - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	PBFS(COMPANY)	OXLCO(COMPANY)
Market Cap	$432M	$432M
Max Drawdown	48.33%	19.95%
Sharpe Ratio	1.41	0.60
5Y Beta	0.38	0.03
Industry	Banks - Regional	Asset Management
P/E Ratio	21.94	26.80
PEG Ratio	N/A	0.00
Dividend Yield	N/A	21.50%
5Y EPS CAGR	31.87%	N/A
Debt to Equity	0.00%	N/A
Free Cash Flow Yield	3.35%	N/A
P/S Ratio	4.46	0.88
P/B Ratio	1.28	N/A

Market Cap

Winner

PBFS

$432M

OXLCO

$432M

Max Drawdown

PBFS

48.33%

Winner

OXLCO

19.95%

Sharpe Ratio

Winner

PBFS

1.41

OXLCO

0.60

5Y Beta

PBFS

0.38

Winner

OXLCO

0.03

Industry

PBFS

Banks - Regional

OXLCO

Asset Management

P/E Ratio

Winner

PBFS

21.94

OXLCO

26.80

PEG Ratio

PBFS

N/A

OXLCO

0.00

Dividend Yield

PBFS

N/A

OXLCO

21.50%

5Y EPS CAGR

PBFS

31.87%

OXLCO

N/A

Debt to Equity

PBFS

0.00%

OXLCO

N/A

Free Cash Flow Yield

PBFS

3.35%

OXLCO

N/A

P/S Ratio

PBFS

4.46

Winner

OXLCO

0.88

P/B Ratio

PBFS

1.28

OXLCO

N/A

PBFS vs OXLCO - Historical Returns

Returns include dividend reinvestment.

Period	PBFS	OXLCO
1 month	+15.94%	-0.49%
3 months	+25.20%	+3.71%
6 months	+24.75%	+4.26%
1 year	+40.51%	+8.95%
5 years(CAGR)	+6.87%	+5.86%
Max(CAGR)	+2.27%	+5.86%

Winner

PBFS

+15.94%

OXLCO

-0.49%

Winner

PBFS

+25.20%

OXLCO

+3.71%

Winner

PBFS

+24.75%

OXLCO

+4.26%

Winner

PBFS

+40.51%

OXLCO

+8.95%

5Y(CAGR)

Winner

PBFS

+6.87%

OXLCO

+5.86%

Max(CAGR)

PBFS

+2.27%

Winner

OXLCO

+5.86%

PBFS vs OXLCO - Annual Returns (2019 - 2026)

Returns include dividend reinvestment.

Year	PBFS	OXLCO
2026	+29.53%	+3.99%
2025	+19.19%	+9.57%
2024	+16.36%	+9.48%
2023	-13.86%	+12.74%
2022	+1.69%	-12.12%
2021	+9.80%	+2.89%
2020	-30.64%	N/A
2019	+3.80%	N/A

PBFS vs OXLCO Drawdown Comparison

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

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

The current OXLCO drawdown is -3.97%.

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