Pioneer Bankshares Past Earnings Performance
Past criteria checks 1/6
Pioneer Bankshares's earnings have been declining at an average annual rate of -1%, while the Banks industry saw earnings growing at 9.7% annually. Revenues have been growing at an average rate of 3.9% per year. Pioneer Bankshares's return on equity is 5.5%, and it has net margins of 16.5%.
Key information
-1.0%
Earnings growth rate
-1.3%
EPS growth rate
| Banks Industry Growth | 11.2% |
| Revenue growth rate | 3.9% |
| Return on equity | 5.5% |
| Net Margin | 16.5% |
| Last Earnings Update | 31 Dec 2023 |
Recent past performance updates
No updates
Recent updates
Revenue & Expenses BreakdownBeta
How Pioneer Bankshares makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Dec 23 | 12 | 2 | 7 | 0 |
| 30 Sep 23 | 12 | 2 | 7 | 0 |
| 30 Jun 23 | 13 | 3 | 7 | 0 |
| 31 Mar 23 | 13 | 3 | 7 | 0 |
| 31 Dec 22 | 13 | 3 | 7 | 0 |
| 30 Sep 22 | 13 | 3 | 7 | 0 |
| 30 Jun 22 | 13 | 3 | 7 | 0 |
| 31 Mar 22 | 13 | 3 | 7 | 0 |
| 31 Dec 21 | 14 | 4 | 7 | 0 |
| 31 Dec 20 | 11 | 3 | 6 | 0 |
| 31 Dec 19 | 11 | 3 | 6 | 0 |
| 31 Dec 18 | 10 | 2 | 6 | 0 |
| 31 Dec 17 | 10 | 2 | 5 | 0 |
| 31 Dec 16 | 9 | 2 | 5 | 0 |
| 31 Dec 13 | 10 | 2 | 0 | 0 |
Quality Earnings: PNBI has high quality earnings.
Growing Profit Margin: PNBI's current net profit margins (16.5%) are lower than last year (20.5%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: PNBI's earnings have declined by 1% per year over the past 5 years.
Accelerating Growth: PNBI's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: PNBI had negative earnings growth (-26.1%) over the past year, making it difficult to compare to the Banks industry average (-12.4%).
Return on Equity
High ROE: PNBI's Return on Equity (5.5%) is considered low.