Pioneer Bankshares Inc (PNBI) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Pioneer Bankshares Inc $40.75, price $51.00, upside -20.1%, quality 60 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? Yes
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Pioneer Bankshares Inc
PNBI · USOvervalued / MonitorQuality is not strong enough to offset the price risk.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $15.05 – $54.99 · fair‑value band $36.68 – $65.42 · the $51.00 price screens above the $40.75 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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Company profile
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 the professional community in the United States.
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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 the professional community in the United States. The company offers various deposit products, which include business and personal checking accounts, savings accounts, and time and money market accounts. It also provides personal loans comprising personal installment and single-pay and auto loans; business loans consisting of operating capital, lines of credit, equipment loans, business expansion, investment properties, and property acquisition or construction; home mortgage and home equity loans. In addition, the company offers credit and debit cards, safe deposit boxes, online and mobile banking tools, fraud monitoring, ATMs, telephone banking, wire transfers, auto books, cash management, automated clearing house, remote deposit capture, merchant services, and online services, as well as Zelle for sending money. Further, the company provides wealth investment services, such as individual retirement accounts, college savings plans, small business investment strategies, and fixed and variable annuities; and securities and insurance products and services. Pioneer Bankshares, Inc. was founded in 1909 and is headquartered in Stanley, Virginia.
Stock analysis
Pioneer Bankshares Inc (PNBI) currently trades at $51.00, while our model-based Fair Value estimate is $40.75, implying the stock looks roughly 25.2% overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $51.64 per share, and 2 of the 6 models we run sit above the $51.00 price.
Bear case: the Dividend Discount group reads lowest at $14.01, and 4 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: $36.68 (bear) to $65.42 (bull), the price of $51.00 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 60/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Pioneer Bankshares Inc reported revenue of $20.3M in FY2025 versus $13.8M in FY2021, a compound +10.1%/yr. Reported net income was $4.0M in FY2025, compounding +2.8%/yr from FY2021.
Key figures
Market cap $51.1M · P/E ratio 12.8 · P/S ratio 2.52 · EPS (TTM) $3.98 · Dividend yield 2.1% · Net margin 19.7% · Return on equity 10.1% · Return on assets (EBIT) 1.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
The share trades about 7% below its 52-week high and 79% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at −20%, PNBI screens cheaper than that median.
Fair Value models
All 6 models by family
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Set up alert →Quality Score breakdown
Of which business quality 52 · Market factors (momentum, volatility) 81
Revenue & earnings trend
Growth Forecast
PNBI screens 25% overvalued. Compare with DBS Group →
Compare Pioneer Bankshares Inc with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1076 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 77.69 SGD | 40.48 SGD | −48% |
| China Merchants Bank Co 3968 | HK$51.25 | HK$62.30 | +22% |
| Intesa Sanpaolo S.p.A ISP | €6.73 | €4.04 | −40% |
| HDFC Bank Limited HDFCBANK | ₹737.25 | ₹406.85 | −45% |
| BNP Paribas SA BNP | €98.43 | €105.99 | +8% |
| UniCredit S.p.A UCG | €82.18 | €77.62 | −6% |
| Mizuho Financial Group MFG | $10.74 | $6.75 | −37% |
| ICICI Bank Limited ICICIBANK | ₹1,340 | ₹616.16 | −54% |
| The PNC Financial Services Group PNC | $224.03 | $159.52 | −29% |
| Oversea-Chinese Banking Corporation O39 | 32.14 SGD | 19.80 SGD | −38% |
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Key figures of Pioneer Bankshares Inc
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