GS
The Goldman Sachs Group, Inc.
GS's fundamentals are strong: revenue grew 19% and its operating margin rose 4 points to 40%. Its PE isn't a useful guide right now because of how its recent earnings were reported.
PBFS
Pioneer Bancorp, Inc.
There isn't enough reported data to score PBFS yet.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
PBFS Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Healthy | |
| N/A | |
| N/A |
PBFS's profitability is currently healthy. There isn't enough data to rate its revenue. Free cash flow and net leverage aren't meaningful measures for financial services companies like PBFS.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS has the edge over PBFS in the historical PE scenario, which offers more potential upside but is not a forecast.
PBFS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 14x | $7.06 | -61% |
| Fair | 20x | $10.45 | -42% |
| Current | 35x | $18.15 | — |
| Expensive | 52x | $27.26 | +50% |
Historical ranges are pointers, not guarantees.
PBFS's PE is 35x, but its earnings don't support one, so it isn't a reliable read right now.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for GS, with profitability improving. However, they disagree widely on these estimates.
PBFS Forward outlook
There aren't enough analyst estimates for PBFS to show an outlook.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS has the stronger earnings trend. Trailing diluted EPS is up 41% for GS versus PBFS down 28%.
PBFS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2024 | $0.72 | -10% |
| Q2 2024 | $0.61 | -30% |
| Q1 2024 | $0.63 | -21% |
| Q4 2023 | $0.68 | +19% |
| Q3 2023 | $0.80 | +40% |
| Q2 2023 | $0.87 | +112% |
| Q1 2023 | $0.80 | +400% |
| Q4 2022 | $0.57 | +185% |
PBFS's earnings per share have fallen from their peak: $0.52 over the past year, against $0.87 in mid-2023.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS has the edge over PBFS on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS has the edge over PBFS on profitability, with a higher operating margin.
PBFS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $29.1M | +21% |
| Q2 2026 | $28.3M | +16% |
| Q1 2026 | $24.6M | +7.9% |
| Q3 2025 | $24M | +9.1% |
| Q2 2025 | $24.4M | +17% |
| Q1 2025 | $22.8M | +5.8% |
| Q3 2024 | $22M | +13% |
| Q2 2024 | $20.9M | +7.9% |
PBFS's revenue has grown year over year for 10 quarters in a row: $29M last quarter, up 21% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 0.2% | -23 points |
| Q2 2026 | 17% | -16 points |
| Q1 2026 | 23% | -9.3 points |
| Q4 2025 | 21% | N/A |
| Q3 2025 | 23% | -14 points |
| Q2 2025 | 33% | +9.3 points |
| Q1 2025 | 33% | +4.4 points |
| Q3 2024 | 37% | +15 points |
PBFS's operating margin was 0.2% last quarter, down 23 points from the same quarter a year ago, near the bottom of its range since 2019.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
PBFS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $16.8M | +330% |
| Q2 2026 | $14.7M | +189% |
| Q1 2026 | -$161K | +$3.4M |
| Q3 2025 | $3.9M | +104% |
| Q2 2025 | $5.1M | -44% |
| Q1 2025 | -$3.5M | -207% |
| Q3 2024 | $1.9M | -85% |
| Q1 2024 | $3.3M | +42% |
PBFS has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has the edge over PBFS on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
PBFS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +7.3K shares |
| 1 year | -1% | -255K shares |
| 3 years | -3.3% | -831K shares |
| 5 years | -2.9% | -729K shares |
| Available history | -2.6% | -659K shares |
PBFS has 24M diluted shares, down 1% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q4 2025 | $417,000 |
| Q3 2025 | $6M |
| Q2 2025 | $3.3M |
| Q1 2025 | $1.6M |
| Q3 2024 | $1.2M |
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has the edge over PBFS on leverage, with a lower net debt burden relative to earnings.
PBFS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -3.7x | Net Cash |
| Q2 2026 | -1.6x | Net Cash |
| Q1 2026 | -1.0x | Net Cash |
| Q4 2025 | -1.1x | Net Cash |
| Q3 2024 | -3.0x | Net Cash |
| Q2 2024 | -1.7x | Net Cash |
| Q1 2024 | -1.7x | Net Cash |
| Q4 2023 | -1.3x | Net Cash |
PBFS has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like PBFS.
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
PBFS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 62.4 | Neutral |
| Stochastic | 45.8 | Neutral |
PBFS's weekly RSI is 62 (neutral) and its Stochastic is 46 (neutral).
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS has the edge over PBFS on valuation relative to its sector.
PBFS PE vs Financial Services Sector
| Metric | PBFS | Sector median | Relative |
|---|---|---|---|
| PE | 35x | 13x | 166% above |
| PE % | 67 | 63 | 4 pts above |
PBFS is trading at 35x earnings, a 166% premium to the Financial Services sector's median of 13x, though its earnings don't support one.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS's trend is mixed: it's above three of its five weekly moving averages, and 52% above its 200-week average.
PBFS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $17.9 | 1.4% above |
| 20 week MA | $17.7 | 2.5% above |
| 50 week MA | $15.8 | 15% above |
| 100 week MA | $14.0 | 30% above |
| 200 week MA | $11.9 | 53% above |
PBFS has the edge over GS on trend strength, trading above more of its moving averages.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has finished higher in five of the last six years, two of them by more than 50%. It's up 0.7% so far in 2026.
PBFS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $15.2 | $10.5 | -31% |
| 2021 | $10.5 | $11.9 | +14% |
| 2022 | $11.9 | $11.5 | -3.1% |
| 2023 | $11.5 | $10.0 | -13% |
| 2024 | $10.0 | $11.4 | +14% |
| 2025 | $11.4 | $13.9 | +22% |
| 2026 YTD | $13.9 | $18.2 | +31% |
PBFS has the edge over GS on returns for 2026, with the stronger performance.