Financial Services
Pioneer Bankshares, Inc.(PNBI)
Live Price
Offline$42.50
+0.00% today
1Y Change
+57.75%
Window
Jun 23, 2025 โ May 29, 2026
- Market Cap
- $40.00M
- Revenue Growth
- +54.7%
- EPS Growth
- +48.0%
- Dividend Yield
- 3.1%
Coverage: 236 bars ยท Jun 23, 2025 โ May 29, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Pioneer Bankshares, Inc. (PNBI) is a Financial Services stock with a market cap of $40.00M and listed on OTC. The stock last traded around $42.50 and up 57.7% across the available one-year price window (Jun 23, 2025 โ May 29, 2026). Baseline metrics include revenue growth of +54.7%, EPS growth of +48.0%, a dividend yield of 3.1%. What stands out right now is revenue +54.7%, EPS +48.0%, free cash flow +38.4% with operating margin 24.8% and ROIC 5.4%. The dividend matters to the case here, with a current yield around 3.1%. Valuation is more restrained than many high-expectation growth names at P/E 8.9 and price/sales 1.8. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines PNBI price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+54.7% vs +3.4% peer median
Operating Margin
Above sector median
+24.8% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2025 was reported on Dec 5, 2025, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +54.7% and EPS at +48.0%, with operating margin around 24.8%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 3.1%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged -0.2% over the next 5 trading days and finished higher after 1 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2025 Dec 5, 2025 | โ | +0.0% | +0.2% | +4.1% |
2025 Aug 8, 2025 | โ | +0.0% | -0.9% | +8.5% |
2025 May 29, 2025 | โ | +0.0% | +0.0% | +3.1% |
Benchmark Comparison
Normalized Performance vs SPY
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
PNBI
โ
Normalized return
SPY
โ
S&P 500
Excess Return
โ
Relative to SPY
PNBI Max Drawdown
-9.98%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for PNBI and SPY.
Company Overview
Pioneer Bankshares, Inc.
Other OTC
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 Virginia. 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. The company also provides credit and debit cards, safe deposit boxes, online and mobile banking, remote deposit capture, and cash management services. In addition, it offers investment products, such as individual retirement accounts, 529 college savings plans, small business investment strategies, fixed and variable annuities, and personalized investment advisory services, as well as securities and insurance products and services. It operates branch offices in Shenandoah, Luray, Harrisonburg, Stanardsville, Ruckersville, and Charlottesville. The company was founded in 1909 and is headquartered in Stanley, Virginia.
- Leadership
- Mark N. Reed
- IPO Date
- May 9, 2007
- Employees
- 52
- Street Address
- 252 East Main Street
- Mailing
- Stanley, VA, 22851
- Region
- Stanley, VA, US
- Reporting Currency
- USD
- Investor Line
- 540 778 2294
- Last Updated
- May 3, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 8.9
- EV/EBITDA
- 9.9
- Price/Sales
- 1.8
- Price/Book
- 0.9
Growth
- Revenue
- +54.7%
- EPS
- +48.0%
- Free Cash Flow
- +38.4%
Profitability
- Gross Margin
- 71.8%
- Operating Margin
- 24.8%
- Net Margin
- 19.7%
- ROE
- 10.3%
- ROIC
- 5.4%
Balance Sheet
- Debt/Equity
- 0.72
- Current Ratio
- 0.05
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.