Pioneer Bankshares, Inc. (PNBI)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 11 | 13 | 12 | 12 | 7 | 15 | 19 | - |
| Operating profit | $m | 5 | 9 | ||||||
| Net profit | $m | 3 | 4 | 3 | 2 | 3 | 4 | 7 | - |
| EPS reported | $ | 3.98 | 7.02 | ||||||
| Operating cashflow per share | $ | 5.12 | 0.00 | ||||||
| Capex per share | $ | 0.14 | 0.00 | ||||||
| FCF per share | $ | 4.98 | 0.00 | ||||||
| Free cash flow | $m | 5 | 0 | ||||||
| Net debt | $m | 27 | 0 | ||||||
| Book value equity | $m | 42 | 42 | ||||||
| Book value per share | $ | 41.66 | 41.45 | ||||||
| Number of shares | m | 1 | 1.01 | ||||||
| DPS (TTM paid) | $ | 1.06 | 1.12 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 7.41 | 11.54 | ||||||
| P/B LTM | x | 0.71 | 0.71 | ||||||
| P/S LTM | x | 2.01 | 1.59 | ||||||
| P/FCF LTM | x | 5.92 | 0.00 | ||||||
| EV/EBITDA LTM | x | 10.68 | 6.18 | ||||||
| EV/Sales LTM | x | 2.80 | 2.15 | ||||||
| Earnings Yield LTM | % | +13.50% | +8.67% | ||||||
| FCF Yield | % | +16.89% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | +9.54% | +10.70% | ||||||
| ROIC | % | +1.12% | 0.00% | ||||||
| Operating margin | % | +24.80% | +26.56% | ||||||
| Gross margin | % | +71.76% | +73.08% | ||||||
| FCF/Sales | % | +24.63% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +47.96% | +160.97% | ||||||
| Sales Growth YoY | % | +124.27% | +183.11% | ||||||
| Net Income Growth YoY | % | +48.80% | +162.97% | ||||||
| FCF Growth | % | +38.37% | -100.00% | ||||||
| Operating Profit Growth | % | +36.21% | +141.20% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +3.60% | +2.52% | ||||||
| Dividend Growth | % | +6.00% | +12.00% | ||||||
| Payout Ratio | % | +26.64% | 0.00% | ||||||
| FCF/Debt | x | 0.17 | - | ||||||
| Net Debt/EBITDA | x | 5.12 | 0.00 | ||||||
| EBIT/Net interest | x | 0.91 | 1.02 | ||||||
| Net debt/market cap | % | +1.02% | 0.00% | ||||||
| Net debt/Equity | x | 0.64 | 0.00 | ||||||
| Gross debt/equity | x | 0.72 | 0.00 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Pioneer Bankshares, Inc. operates as the parent company for Pioneer Bank, Inc., delivering a comprehensive suite of banking and financial services. The bank caters to individual consumers, small to medium-sized businesses, and the professional sector across Virginia. Its diverse offerings include various deposit accounts, such as personal and business checking, savings, and certificates of deposit. Lending solutions span personal installment, single-pay, and auto loans, alongside extensive business financing for operating capital, equipment, investment properties, lines of credit, expansion projects, and property acquisition or construction. Additionally, it provides home mortgage and home equity loans. Further enhancing its service portfolio, Pioneer offers credit and debit cards, secure safe deposit boxes, advanced online and mobile banking, remote deposit capabilities, and cash management services. For wealth management, the company also features investment products like individual retirement accounts (IRAs), 529 college savings plans, small business investment strategies, fixed and variable annuities, and personalized investment advisory services, in addition to securities and insurance products. Established in 1909, Pioneer Bankshares, Inc. maintains its headquarters in Stanley, Virginia, and serves its clientele through branch offices located in Shenandoah, Luray, Harrisonburg, Stanardsville, Ruckersville, and Charlottesville.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Pioneer Bankshares, Inc. (PNBI)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Pioneer Bankshares, Inc. operates as the parent company for Pioneer Bank, Inc., delivering a comprehensive suite of banking and financial services. The bank caters to individual consumers, small to medium-sized businesses, and the professional sector across Virginia. Its diverse offerings include various deposit accounts, such as personal and business checking, savings, and certificates of deposit. Lending solutions span personal installment, single-pay, and auto loans, alongside extensive business financing for operating capital, equipment, investment properties, lines of credit, expansion projects, and property acquisition or construction. Additionally, it provides home mortgage and home equity loans. Further enhancing its service portfolio, Pioneer offers credit and debit cards, secure safe deposit boxes, advanced online and mobile banking, remote deposit capabilities, and cash management services. For wealth management, the company also features investment products like individual retirement accounts (IRAs), 529 college savings plans, small business investment strategies, fixed and variable annuities, and personalized investment advisory services, in addition to securities and insurance products. Established in 1909, Pioneer Bankshares, Inc. maintains its headquarters in Stanley, Virginia, and serves its clientele through branch offices located in Shenandoah, Luray, Harrisonburg, Stanardsville, Ruckersville, and Charlottesville.
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