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Pioneer Bankshares (OTCPK:PNBI) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Pioneer Bankshares Effective Interest Rate on Debt % Related Terms
Pioneer Bankshares Effective Interest Rate on Debt % Historical Data
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The historical data trend for Pioneer Bankshares's Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % Chart
PNBI vs KFFB, IBWC, CYSM: Effective Interest Rate on Debt % Comparison
For the Banks - Regional subindustry, Pioneer Bankshares's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, Pioneer Bankshares's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Pioneer Bankshares's Effective Interest Rate on Debt % falls into.
* 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.
In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data,
the Interest Expense data used here is four times the quarterly (Dec. 2025) interest expense data.
Effective Interest Rate on Debt % is displayed in the 30-year financial page.
What does a Effective Interest Rate on Debt % of 17.85% mean?
Pioneer Bankshares (PNBI) has a Effective Interest Rate on Debt % of 17.85% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Pioneer Bankshares and its competitors.
Is Pioneer Bankshares' Effective Interest Rate on Debt % too high?
Pioneer Bankshares' current Effective Interest Rate on Debt % is 17.85%. Overall, Pioneer Bankshares has a GF Score™ of 48/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pioneer Bankshares' Effective Interest Rate on Debt % compare to KFFB and IBWC?
Pioneer Bankshares' Effective Interest Rate on Debt % of 17.85% 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 Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Pioneer Bankshares and its competitors. Pioneer Bankshares's current Effective Interest Rate on Debt % is 17.85%. 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 $30.64, compared to a current price of $54.99 — trading 79.5% above its estimated fair value. The current Effective Interest Rate on Debt % is 17.85%. Pioneer Bankshares' overall GF Score™ is 48/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Pioneer Bankshares (PNBI), the current Effective Interest Rate on Debt % is 17.85% 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 $54.99 is trading 79.5% above its estimated GF Value™ of $30.64.
GuruFocus considers Pioneer Bankshares to be Significantly Overvalued.
Key valuation signals for PNBI:
Effective Interest Rate on Debt %: 17.85%
GF Value™: $30.64 vs. price of $54.99 (79.5% above fair value)
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 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.
48GF Score
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Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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