PNBI Stock Overview

Operates as the bank holding company for Pioneer Bank, Inc. More details

PNBI fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	1/6
Financial Health	6/6
Dividends	4/6

Rewards

Trading at 44.1% below our estimate of its fair value

Pays a reliable dividend of 3.98%

Risk Analysis

Earnings have declined by 10.2% per year over past 5 years

Shares are highly illiquid

Does not have a meaningful market cap ($25M)

My Notes

Capture your thoughts, links and company narrative

Pioneer Bankshares, Inc. Competitors

Security Bancorp

OTCPK:SCYT

US$26.9m

Elmer Bancorp

OTCPK:ELMA

US$25.7m

Quaint Oak Bancorp

OTCPK:QNTO

US$27.2m

Pinnacle Bancshares

OTCPK:PCLB

US$27.1m

Price History & Performance

Summary of share price highs, lows and changes for Pioneer Bankshares
Historical stock prices
Current Share Price	US$25.10
52 Week High	US$29.00
52 Week Low	US$20.50
Beta	0.29
1 Month Change	-7.04%
3 Month Change	0.40%
1 Year Change	9.13%
3 Year Change	-15.06%
5 Year Change	-15.77%
Change since IPO	67.33%

Recent updates

Shareholder Returns

	PNBI	US Banks	US Market
7D	-5.3%	0.9%	-0.8%
1Y	9.1%	41.1%	22.7%

Return vs Industry: PNBI underperformed the US Banks industry which returned 41.1% over the past year.

Return vs Market: PNBI underperformed the US Market which returned 22.7% over the past year.

Price Volatility

Is PNBI's price volatile compared to industry and market?
PNBI volatility
PNBI Average Weekly Movement	n/a
Banks Industry Average Movement	5.1%
Market Average Movement	6.4%
10% most volatile stocks in US Market	18.7%
10% least volatile stocks in US Market	3.2%

Stable Share Price: PNBI's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine PNBI's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1909	n/a	Mark Reed	www.pioneerbks.com

Pioneer Bankshares, Inc. operates as the bank holding company for Pioneer Bank, Inc. that provides various banking and related financial services to individual consumers, small to medium size businesses, and professional community in the United States. The company offers various deposit products, which include business and personal checking accounts, savings accounts, and certificates of deposit. Its personal loans comprise personal installment and single-pay, and auto loans; and business loans consists of operating capital, equipment loans, investment properties, lines of credit, business expansion, and property acquisition or construction, as well as home mortgage and home equity loans.

Pioneer Bankshares, Inc. Fundamentals Summary

How do Pioneer Bankshares's earnings and revenue compare to its market cap?
PNBI fundamental statistics
Market cap	US$25.15m
Earnings (TTM)	US$1.79m
Revenue (TTM)	US$11.58m

14.0x

P/E Ratio

0.7x

P/B Ratio

Is PNBI overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
PNBI income statement (TTM)
Revenue	US$11.58m
Cost of Revenue	US$0
Gross Profit	US$11.58m
Other Expenses	US$9.79m
Earnings	US$1.79m

Last Reported Earnings

Jun 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	1.79
Gross Margin	100.00%
Net Profit Margin	15.48%
Debt/Equity Ratio	66.0%

How did PNBI perform over the long term?

See historical performance and comparison

Dividends

4.0%

Current Dividend Yield

55%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/02/02 17:29
End of Day Share Price	2025/01/31 00:00
Earnings	2024/06/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Pioneer Bankshares, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution

Pioneer Bankshares OTCPK:PNBI Stock Report