Income statement
USD
Annual
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Revenue | 13M | 15M | 13M | 14M | 13M |
| Gross Profit | 13M | 12M | 12M | 13M | 11M |
| Operating Income | 4M | 2M | 3M | 4M | 3M |
| EBITDA | 0 | 3M | 3M | 5M | 3M |
| Net Income | 3M | 2M | 3M | 4M | 3M |
| EPS (Diluted) | — | — | — | — | — |
Financial Services
Live Price
Offline$42.50
+0.00% today
1Y Change
+57.75%
Window
Jun 23, 2025 → May 29, 2026
Coverage: 236 bars · Jun 23, 2025 → 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 → 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.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
PNBI
—
Normalized return
SPY
—
S&P 500
Excess Return
—
Relative to SPY
PNBI Max Drawdown
-9.98%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Uses the longest available daily history for PNBI and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$12.5M
-9.2% YoY
FY Net Income
$2.6M
-28.3% YoY
Free Cash Flow
$3.8M
+0.8% YoY
Revenue Growth
+54.7%
EPS Growth
+48.0%
Gross Margin
71.8%
Net Margin
19.7%
Income statement
USD
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Revenue | 13M | 15M | 13M | 14M | 13M |
| Gross Profit | 13M | 12M | 12M | 13M | 11M |
| Operating Income | 4M | 2M | 3M | 4M | 3M |
| EBITDA | 0 | 3M | 3M | 5M | 3M |
| Net Income | 3M | 2M | 3M | 4M | 3M |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Cash & Equivalents | 30M | 4M | 15M | 36M | 38M |
| Total Assets | 345M | 322M | 293M | 290M | 264M |
| Total Liabilities | 308M | 288M | 261M | 256M | 232M |
| Shareholder Equity | 37M | 34M | 32M | 35M | 33M |
| Total Debt | 35M | 23M | 3M | 3M | 3M |
| Net Debt | 4M | 19M | -13M | -34M | -35M |
Cash flow positioning
Latest Full Year
Operating Cash Flow
4M
-0.2% YoY
Capital Expenditures
109K
+25.3% YoY
Free Cash Flow
4M
+0.8% YoY
Key ratios
Gross Margin
71.8%
Operating Margin
24.8%
Net Margin
19.7%
ROE
10.3%
Debt / Equity
0.72x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.