PNBI (Pioneer Bankshares) Cyclically Adjusted Revenue per Share: $13.92 (As of Sep. 2025)

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PNBI Pioneer Bankshares Inc PNBI
54 GF Score
Price $50.00
GF Value $30.84
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Pioneer Bankshares Cyclically Adjusted Revenue per Share?

Pioneer Bankshares PNBI 54 Cyclically Adjusted Revenue per Share is $13.92 as of Sep. 2025. GuruFocus rates PNBI with a GF Score™ of 54/100 and a GF Value™ of $30.84 (Significantly Overvalued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

Pioneer Bankshares's adjusted revenue per share for the three months ended in Sep. 2025 was $11.364. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is $13.92 for the trailing ten years ended in Sep. 2025.

During the past 12 months, Pioneer Bankshares's average Cyclically Adjusted Revenue Growth Rate was 5.20% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was 4.50% per year. During the past 5 years, the average Cyclically Adjusted Revenue Growth Rate was 6.20% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Revenue Growth Rate of Pioneer Bankshares was 7.70% per year. The lowest was 4.50% per year. And the median was 5.50% per year.

As of today (2026-09-17), Pioneer Bankshares's current stock price is $50.00. Pioneer Bankshares's Cyclically Adjusted Revenue per Share for the quarter that ended in Sep. 2025 was $13.92. Pioneer Bankshares's Cyclically Adjusted PS Ratio of today is 3.59.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Pioneer Bankshares was 4.16. The lowest was 1.56. And the median was 2.26.


Pioneer Bankshares  (OTCPK:PNBI) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Pioneer Bankshares's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=50.00/13.922
=3.59

* 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.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Pioneer Bankshares was 4.16. The lowest was 1.56. And the median was 2.26.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


Pioneer Bankshares Cyclically Adjusted Revenue per Share Related Terms


Pioneer Bankshares Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for Pioneer Bankshares's Cyclically Adjusted Revenue per Share 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 Cyclically Adjusted Revenue per Share Chart

Pioneer Bankshares Annual Data
Trend Dec11 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 14.05

Pioneer Bankshares Quarterly Data
Jun11 Sep11 Dec11 Mar12 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Mar23 Jun23 Sep23 Mar24 Jun24 Sep24 Mar25 Jun25 Sep25
Cyclically Adjusted Revenue per Share 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 13.34 13.39 13.71 13.83 13.92

PNBI vs TBBC, FGFI, FSBH: Cyclically Adjusted Revenue per Share Comparison

For the Banks - Regional subindustry, Pioneer Bankshares's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Pioneer Bankshares Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Pioneer Bankshares's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Pioneer Bankshares's Cyclically Adjusted PS Ratio falls into.


PNBI
54GF Score
Pioneer Bankshares Inc PNBI
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Pioneer Bankshares Cyclically Adjusted Revenue per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

What is Cyclically Adjusted Revenue per Share? How do we calculate Cyclically Adjusted Revenue per Share?

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Pioneer Bankshares's adjusted Revenue per Share data for the three months ended in Sep. 2025 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Sep. 2025 (Change)*Current CPI (Sep. 2025)
=11.364/324.8000*324.8000
=11.364

Current CPI (Sep. 2025) = 324.8000.

Pioneer Bankshares Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
200606 1.982 202.900 3.173
200609 1.920 202.900 3.074
200612 1.853 201.800 2.982
200703 1.945 205.352 3.076
200706 1.909 208.352 2.976
200709 2.084 208.490 3.247
200712 2.082 210.036 3.220
200803 2.052 213.528 3.121
200806 1.873 218.815 2.780
200809 1.919 218.783 2.849
200812 1.210 210.228 1.869
200903 1.928 212.709 2.944
200906 1.890 215.693 2.846
200909 1.916 215.969 2.882
200912 2.001 215.949 3.010
201003 2.094 217.631 3.125
201006 2.038 217.965 3.037
201009 2.126 218.439 3.161
201012 2.243 219.179 3.324
201103 2.102 223.467 3.055
201106 2.229 225.722 3.207
201109 2.111 226.889 3.022
201112 2.189 225.672 3.151
201203 2.282 229.392 3.231
202103 3.016 264.877 3.698
202106 3.073 271.696 3.674
202109 4.123 274.310 4.882
202112 3.132 278.802 3.649
202203 2.417 287.504 2.731
202206 5.497 296.311 6.026
202209 9.936 296.808 10.873
202303 3.262 301.836 3.510
202306 1.916 305.109 2.040
202309 9.400 307.789 9.920
202403 3.193 312.332 3.320
202406 6.471 314.175 6.690
202409 9.824 315.301 10.120
202503 3.713 319.799 3.771
202506 3.750 322.561 3.776
202509 11.364 324.800 11.364

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of $13.92 mean?
Pioneer Bankshares (PNBI) has a Cyclically Adjusted Revenue per Share of $13.92 as of Sep. 2025. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Pioneer Bankshares and its competitors.
Is Pioneer Bankshares' Cyclically Adjusted Revenue per Share too high?
Pioneer Bankshares' current Cyclically Adjusted Revenue per Share is $13.92. Overall, Pioneer Bankshares has a GF Score™ of 54/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pioneer Bankshares' Cyclically Adjusted Revenue per Share compare to TBBC and FGFI?
Pioneer Bankshares' Cyclically Adjusted Revenue per Share of $13.92 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 Cyclically Adjusted Revenue per Share for a Banks company?
A good Cyclically Adjusted Revenue per Share depends on the Banks industry context. However, Cyclically Adjusted Revenue per Share 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 Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Pioneer Bankshares and its competitors. Pioneer Bankshares's current Cyclically Adjusted Revenue per Share is $13.92. 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 $30.84, compared to a current price of $50.00 — trading 62.1% above its estimated fair value. The current Cyclically Adjusted Revenue per Share is $13.92. Pioneer Bankshares' overall GF Score™ is 54/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For Pioneer Bankshares (PNBI), the current Cyclically Adjusted Revenue per Share is $13.92 as of Sep. 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 $50.00 is trading 62.1% above its estimated GF Value™ of $30.84. GuruFocus considers Pioneer Bankshares to be Significantly Overvalued.

Key valuation signals for PNBI:

  • Cyclically Adjusted Revenue per Share: $13.92
  • GF Value™: $30.84 vs. price of $50.00 (62.1% above fair value)
  • GF Score™: 54/100 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.
54GF Score

Get the complete analysis for PNBI

Cyclically Adjusted Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$50.00
Price
$30.84
GF Value