PNBI (Pioneer Bankshares) Net Loan: $287.70 Mil (As of Dec. 2025)

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PNBI Pioneer Bankshares Inc PNBI
58 GF Score
Price $51.50
GF Value $30.77
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Pioneer Bankshares Net Loan?

Pioneer Bankshares PNBI 58 Net Loan is $287.70 Mil as of Dec. 2025. GuruFocus rates PNBI with a GF Score™ of 58/100 and a GF Value™ of $30.77 (Significantly Overvalued). The stock has 6 warning signs investors should review.

Pioneer Bankshares's quarterly net loan increased from Jun. 2025 ($264.46 Mil) to Sep. 2025 ($275.52 Mil) and increased from Sep. 2025 ($275.52 Mil) to Dec. 2025 ($287.70 Mil).

Pioneer Bankshares's annual net loan increased from Dec. 2023 ($237.44 Mil) to Dec. 2024 ($275.52 Mil) and increased from Dec. 2024 ($275.52 Mil) to Dec. 2025 ($287.70 Mil).

Pioneer Bankshares Net Loan Historical Data

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The historical data trend for Pioneer Bankshares's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Pioneer Bankshares Net Loan Chart

Pioneer Bankshares Annual Data
Trend Dec11 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 176.68 205.70 237.44 260.09 287.70

Pioneer Bankshares Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 260.09 258.93 264.46 275.52 287.70
PNBI
58GF Score
Pioneer Bankshares Inc PNBI
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Pioneer Bankshares Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $287.70 Mil mean?
Pioneer Bankshares (PNBI) has a Net Loan of $287.70 Mil as of Dec. 2025. The total net loans as recorded on a bank's balance sheet. View historical data on Pioneer Bankshares and its competitors.
Is Pioneer Bankshares' Net Loan too high?
Pioneer Bankshares' current Net Loan is $287.70 Mil. Overall, Pioneer Bankshares has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pioneer Bankshares' Net Loan compare to TBBC and FGFI?
Pioneer Bankshares' Net Loan of $287.70 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Pioneer Bankshares and its competitors. Pioneer Bankshares's current Net Loan is $287.70 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pioneer Bankshares stock overvalued right now?
Based on GuruFocus' analysis, Pioneer Bankshares (PNBI) is currently considered Significantly Overvalued. The stock's GF Value™ is $30.77, compared to a current price of $51.50 — trading 67.4% above its estimated fair value. The current Net Loan is $287.70 Mil. Pioneer Bankshares' overall GF Score™ is 58/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Pioneer Bankshares (PNBI), the current Net Loan is $287.70 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Pioneer Bankshares (PNBI) Overvalued in 2026?

Based on GuruFocus' analysis, Pioneer Bankshares stock appears to be overvalued. The current stock price of $51.50 is trading 67.4% above its estimated GF Value™ of $30.77. GuruFocus considers Pioneer Bankshares to be Significantly Overvalued.

Key valuation signals for PNBI:

  • Net Loan: $287.70 Mil
  • GF Value™: $30.77 vs. price of $51.50 (67.4% above fair value)
  • GF Score™: 58/100 with 6 warning signs

No single metric tells the full story. See the PNBI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Pioneer Bankshares Business Description

Address 252 East Main Street, PO Box 10, Stanley, VA, USA, 22851
Pioneer Bankshares Inc is a bank. It offers a full range of banking and related financial services focused mainly towards serving individual consumers, small to medium size commercial businesses, and the professional community. The Bank strives to serve the banking needs of its customers while developing personal, hometown relationships. Its reportable in one operating segment business of community banking. The banking products and services include the acceptance of deposits in checking, savings, time and money market accounts; the origination and servicing of personal/consumer, credit card, commercial, construction and real estate loans; and other services including safe deposit boxes and wire transfers.
58GF Score

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Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$51.50
Price
$30.77
GF Value