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Pioneer Bankshares, Inc. PNBI

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Price alert · PNBI

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51.25 USD 0.00 (+0.00%)

At closeNov 6, 2026, 4:00 PM EST

51.25 Day range 51.25
29.48 52-week range 54.99
YTD
+73.85%
1 year
+70.83%

Financial health

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

C+2 / 5 overall

  • DCF 4
  • Return on Equity 1
  • Return on Assets 1
  • Debt / Equity 1
  • P/E 4
  • P/B 1

Valuation

P/E 7.4×
FY 2016: 14.3×FY 2017: 13.6×FY 2018: 12.7×FY 2019: 10.8×FY 2020: 8.8×FY 2021: 8.2×FY 2022: 10.1×FY 2023: 11.5×FY 2024: 10.0×FY 2025: 7.4×
FY 2016 5y median 10.0× FY 2025
P/S 1.5×
FY 2016: 2.2×FY 2017: 2.5×FY 2018: 2.5×FY 2019: 2.3×FY 2020: 1.8×FY 2021: 2.1×FY 2022: 2.1×FY 2023: 1.4×FY 2024: 8.5×FY 2025: 1.5×
FY 2016 5y median 2.1× FY 2025
P/B 0.7×
FY 2016: 0.9×FY 2017: 1.0×FY 2018: 1.0×FY 2019: 0.9×FY 2020: 0.7×FY 2021: 0.8×FY 2022: 0.8×FY 2023: 0.6×FY 2024: 3.0×FY 2025: 0.7×
FY 2016 5y median 0.8× FY 2025
P/FCF 5.9×
FY 2016: 11.8×FY 2017: 10.9×FY 2018: 4.1×FY 2019: 10.1×FY 2020: 6.0×FY 2021: 7.8×FY 2022: 6.4×FY 2023: 6.4×FY 2024: 31.0×FY 2025: 5.9×
FY 2016 5y median 6.4× FY 2025
EV/EBITDA 10.7×
FY 2016: 9.5×FY 2017: 6.4×FY 2018: 5.7×FY 2019: 5.0×FY 2020: -3.9×FY 2021: -1.0×FY 2022: 3.9×FY 2023: 15.3×FY 2024: 31.7×FY 2025: 10.7×
FY 2016 5y median 10.7× FY 2025
EV/Sales 2.8×
FY 2016: 2.4×FY 2017: 2.0×FY 2018: 1.4×FY 2019: 1.3×FY 2020: -1.0×FY 2021: -0.3×FY 2022: 1.1×FY 2023: 2.6×FY 2024: 8.9×FY 2025: 2.8×
FY 2016 5y median 2.6× FY 2025
FCF Yield 16.9%
FY 2016: 8.5%FY 2017: 9.1%FY 2018: 24.2%FY 2019: 9.9%FY 2020: 16.7%FY 2021: 12.9%FY 2022: 15.6%FY 2023: 15.6%FY 2024: 3.2%FY 2025: 16.9%
FY 2016 5y median 15.6% FY 2025

Profitability

Gross Margin 71.8%
FY 2016: 100.0%FY 2017: 92.6%FY 2018: 90.9%FY 2019: 89.2%FY 2020: 91.5%FY 2021: 95.9%FY 2022: 95.2%FY 2023: 79.6%FY 2024: 100.0%FY 2025: 71.8%
FY 2016 5y median 95.2% FY 2025
Operating Margin 24.8%
FY 2016: 23.2%FY 2017: 27.1%FY 2018: 21.4%FY 2019: 23.1%FY 2020: 22.6%FY 2021: 30.7%FY 2022: 23.9%FY 2023: 14.0%FY 2024: 28.2%FY 2025: 24.8%
FY 2016 5y median 24.8% FY 2025
Net Margin 19.7%
FY 2016: 15.6%FY 2017: 18.2%FY 2018: 19.6%FY 2019: 20.9%FY 2020: 20.4%FY 2021: 25.9%FY 2022: 20.4%FY 2023: 12.3%FY 2024: 20.4%FY 2025: 19.7%
FY 2016 5y median 20.4% FY 2025
ROE 9.5%
FY 2016: 6.2%FY 2017: 7.4%FY 2018: 7.7%FY 2019: 8.5%FY 2020: 7.8%FY 2021: 10.2%FY 2022: 7.9%FY 2023: 5.5%FY 2024: 7.2%FY 2025: 9.5%
FY 2016 5y median 7.9% FY 2025
ROIC 1.1%
FY 2016: 1.8%FY 2017: 5.6%FY 2018: 6.2%FY 2019: 7.2%FY 2020: 7.0%FY 2021: 9.4%FY 2022: 0.9%FY 2023: 2.1%FY 2024: 4.0%FY 2025: 1.1%
FY 2016 5y median 2.1% FY 2025
ROA 1.1%
FY 2016: 0.8%FY 2017: 1.0%FY 2018: 1.0%FY 2019: 1.1%FY 2020: 1.0%FY 2021: 1.2%FY 2022: 0.9%FY 2023: 0.6%FY 2024: 0.8%FY 2025: 1.1%
FY 2016 5y median 0.9% FY 2025

Growth (YoY)

Revenue 54.7%
FY 2016: 0.0%FY 2017: 7.6%FY 2018: 1.2%FY 2019: 11.2%FY 2020: -0.8%FY 2021: 10.1%FY 2022: -8.8%FY 2023: 22.6%FY 2024: -15.1%FY 2025: 54.7%
FY 2016 FY 2025
Operating Income 36.2%
FY 2016: 0.0%FY 2017: 25.7%FY 2018: -19.9%FY 2019: 20.2%FY 2020: -2.9%FY 2021: 49.0%FY 2022: -29.0%FY 2023: -28.1%FY 2024: 70.8%FY 2025: 36.2%
FY 2016 FY 2025
EPS (diluted) 48.0%
FY 2016: 0.0%FY 2017: 25.0%FY 2018: 9.0%FY 2019: 17.5%FY 2020: -3.3%FY 2021: 38.5%FY 2022: -28.6%FY 2023: -25.3%FY 2024: 40.1%FY 2025: 48.0%
FY 2016 FY 2025
Free Cash Flow 38.4%
FY 2016: 0.0%FY 2017: 28.9%FY 2018: 171.6%FY 2019: -59.1%FY 2020: 34.2%FY 2021: -0.8%FY 2022: 8.0%FY 2023: -16.1%FY 2024: 5.9%FY 2025: 38.4%
FY 2016 FY 2025

Financial Health

Current Ratio 57.0×
FY 2016: 0.2×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.1×FY 2022: 15.7×FY 2023: 0.0×FY 2024: 0.1×FY 2025: 57.0×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 57.0×
FY 2016: 0.2×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.1×FY 2022: 20.8×FY 2023: 0.0×FY 2024: 0.1×FY 2025: 57.0×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.7×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.2×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.7×FY 2024: 0.9×FY 2025: 0.7×
FY 2016 5y median 0.7× FY 2025
Net Debt / EBITDA 5.1×
FY 2016: 0.5×FY 2017: -1.3×FY 2018: -4.6×FY 2019: -3.6×FY 2020: -10.8×FY 2021: -7.3×FY 2022: -3.7×FY 2023: 7.0×FY 2024: 1.2×FY 2025: 5.1×
FY 2016 5y median 1.2× FY 2025
Interest Coverage 0.9×
FY 2016: 0.0×FY 2017: 3.6×FY 2018: 2.4×FY 2019: 2.1×FY 2020: 2.7×FY 2021: 7.4×FY 2022: 5.0×FY 2023: 0.7×FY 2024: 0.6×FY 2025: 0.9×
FY 2016 5y median 0.9× FY 2025

Dividends

Dividend Yield 3.6%
FY 2016: 3.2%FY 2017: 2.8%FY 2018: 2.9%FY 2019: 3.0%FY 2020: 4.0%FY 2021: 3.3%FY 2022: 3.7%FY 2023: 4.5%FY 2024: 0.9%FY 2025: 3.6%
FY 2016 5y median 3.6% FY 2025
Payout Ratio 26.7%
FY 2016: 45.3%FY 2017: 38.1%FY 2018: 36.8%FY 2019: 32.7%FY 2020: 35.5%FY 2021: 26.7%FY 2022: 37.8%FY 2023: 52.2%FY 2024: 37.3%FY 2025: 26.7%
FY 2016 5y median 37.3% FY 2025

Annual · latest fiscal year ends 2025-12-31