OTCPK:PNBI

Stock Analysis Report

Executive Summary

Pioneer Bankshares, Inc. operates as the bank holding company for Pioneer Bank, Inc.

Snowflake

Fundamentals

Unattractive dividend payer with weak fundamentals.

Risks

  • Pioneer Bankshares's last earnings update was 1987 days ago.
  • Pioneer Bankshares is not covered by any analysts.

Share Price & News

How has Pioneer Bankshares's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-1.9%

OTCPK:PNBI

-1.8%

US Banks

0.2%

US Market


1 Year Return

-11.8%

OTCPK:PNBI

-15.3%

US Banks

-0.7%

US Market

PNBI outperformed the Banks industry which returned -13.6% over the past year.

PNBI underperformed the Market in United States of America which returned 0.3% over the past year.


Share holder returns

PNBIIndustryMarket
7 Day-1.9%-1.8%0.2%
30 Day0.9%-6.4%-2.7%
90 Day-0.1%-4.0%1.6%
1 Year-9.2%-11.8%-12.9%-15.3%1.6%-0.7%
3 Year27.4%16.5%41.3%31.7%40.0%30.9%
5 Year58.3%35.7%50.8%34.5%53.8%36.8%

Price Volatility Vs. Market

How volatile is Pioneer Bankshares's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Pioneer Bankshares undervalued based on future cash flows and its price relative to the stock market?


Intrinsic Value Based on Future Cash Flows

Pioneer Bankshares's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Pioneer Bankshares's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Unable to compare the PE ratio to the industry average as no data exists.

Unable to calculate PE ratio for Pioneer Bankshares, we can't compare the value of its earnings to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Pioneer Bankshares, we can't assess if its growth is good value.


Price Based on Value of Assets

Unable to compare the PB ratio to the industry average as no data exists.


Next Steps

Future Growth

How is Pioneer Bankshares expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

1.8%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Pioneer Bankshares has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

Past Performance

How has Pioneer Bankshares performed over the past 5 years?

0.2%

Historical Banks annual earnings growth


In this section we usually display a company’s past earnings and revenues to help investors visualise the trend through time. We also gauge the company’s performance by benchmarking its returns and growth to its industry peers and the wider market. However, Pioneer Bankshares has not provided sufficient past data to assess its track record.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have historical data.


Next Steps

Financial Health

How is Pioneer Bankshares's financial position? (This company is analysed differently as a bank or financial institution)


In this section we usually analyse Pioneer Bankshares's finance health to determine how well-positioned it is against times of financial distress, in particular, its ability to manage its cash and debt levels. Pioneer Bankshares has not provided adequate balance sheet data, its financial health cannot be properly assessed as it.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have financial information.


Next Steps

  • Take a look at our analysis of PNBI’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • Investors tend to look at the financial health of a company this size in order to assess the sustainability of its current operations. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website.
  • Financial health is measured at one point in time, so the latest financial report is the best representation of the company’s current financial status. Check when Pioneer Bankshares's financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

What is Pioneer Bankshares's current dividend yield, its reliability and sustainability?

2.86%

Current Dividend Yield


Dividend Yield and Payments Analysis

Pioneer Bankshares's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.48%).

Pioneer Bankshares's dividend is below the markets top 25% of dividend payers in United States of America (3.83%).

Dividends per share have been volatile in the past 10 years (annual drop of over 20%).

Dividends per share have increased over the past 10 years.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Pioneer Bankshares has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Pioneer Bankshares's salary, the management and board of directors tenure and is there insider trading?

24.6yrs

Average board tenure


CEO

Mark Reed (61yo)

2.6yrs

Tenure

US$24,720

Compensation

Mr. Mark N. Reed serves as the President, Chief Executive Officer and Director at Pioneer Bank, and Pioneer Bankshares Inc. He is a Senior Partner, Owner and Attorney at Law of Reed & Reed, P.C., where Mr. ...


Board Age and Tenure

24.6yrs

Average Tenure

75.5yo

Average Age

The average tenure for the Pioneer Bankshares board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Mark Reed (61yo)

    President

    • Tenure: 2.6yrs
    • Compensation: US$24.72k
  • Ikey Rosazza (78yo)

    Director

    • Tenure: 35.6yrs
    • Compensation: US$198.66k
  • Lori Hassett (52yo)

    Senior VP & CFO

    • Tenure: 17.6yrs
  • G. Young

    Senior Vice President of Commercial Lending - Pioneer Bank

    • Tenure: 0.0yrs
  • Loretta Lancaster

    VP & Chief Information Officer

    • Tenure: 0.0yrs
  • Donna Pendergast

    VP & Senior Loan Officer

    • Tenure: 0.0yrs
  • Melissa Campbell

    VP & Chief Administration Officer

    • Tenure: 0.0yrs

Board Members

  • Pat Baker (76yo)

    Chairman and Director of Pioneer Bank

    • Tenure: 30.6yrs
    • Compensation: US$16.72k
  • Harry Louderback (78yo)

    Chairman of the Board

    • Tenure: 0.0yrs
    • Compensation: US$16.92k
  • Edwin Markowitz (67yo)

    Director

    • Tenure: 20.6yrs
    • Compensation: US$17.12k
  • Kyle Miller (84yo)

    Director

    • Tenure: 33.6yrs
    • Compensation: US$16.12k
  • Mark Reed (61yo)

    President

    • Tenure: 2.6yrs
    • Compensation: US$24.72k
  • Ikey Rosazza (78yo)

    Director

    • Tenure: 35.6yrs
    • Compensation: US$198.66k
  • David Slye (66yo)

    Director

    • Tenure: 23.6yrs
    • Compensation: US$15.72k
  • James Printz (75yo)

    Director

    • Tenure: 8.5yrs
    • Compensation: US$15.06k
  • Karen Jenkins

    Director

    • Tenure: 3.6yrs
  • Darrell Short

    Director

    • Tenure: 0.0yrs

Company Information

Pioneer Bankshares, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Pioneer Bankshares, Inc.
  • Ticker: PNBI
  • Exchange: OTCPK
  • Founded: 1909
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$27.421m
  • Shares outstanding: 981.09k
  • Website: https://www.pioneerbks.com

Location

  • Pioneer Bankshares, Inc.
  • 263 East Main Street
  • P O Box 10
  • Stanley
  • Virginia
  • 22851
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
PNBIOTCPK (Pink Sheets LLC)YesCommon StockUSUSDJan 1999

Biography

Pioneer Bankshares, Inc. operates as the bank holding company for Pioneer Bank, Inc. that provides various banking and related financial services in Virginia. The company offers various deposit products, w ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/20 23:45
End of Day Share Price2019/08/20 00:00
Earnings2013/12/31
Annual Earnings2013/12/31


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.