PNBI (Pioneer Bankshares) EPS (Basic): $3.98 (TTM As of Dec. 2025)

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PNBI Pioneer Bankshares Inc PNBI
54 GF Score
Price $44.50
GF Value $30.42
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Pioneer Bankshares EPS (Basic)?

Pioneer Bankshares PNBI 54 EPS (Basic) is $3.98 as of Dec. 2025. GuruFocus rates PNBI with a GF Score™ of 54/100 and a GF Value™ of $30.42 (Significantly Overvalued). The stock has 7 warning signs investors should review.

Pioneer Bankshares's basic earnings per share (Basic EPS) for the three months ended in Dec. 2025 was $0.94. Its basic earnings per share (Basic EPS) for the trailing twelve months (TTM) ended in Dec. 2025 was $3.98.

Pioneer Bankshares's EPS (Diluted) for the three months ended in Dec. 2025 was $0.94. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $3.98.

Pioneer Bankshares's EPS without NRI for the three months ended in Dec. 2025 was $0.94. Its EPS without NRIearnings per share without non-recurring items for the trailing twelve months (TTM) ended in Dec. 2025 was 3.98.

During the past 12 months, Pioneer Bankshares's average EPS without NRIGrowth Rate was 58.60% per year. During the past 3 years, the average EPS without NRI Growth Rate was 22.90% per year. During the past 5 years, the average EPS without NRI Growth Rate was 4.30% per year. During the past 10 years, the average EPS without NRI Growth Rate was 5.50% 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 EPS without NRI Growth Rate using EPS without NRI data.

During the past 13 years, Pioneer Bankshares's highest 3-Year average EPS without NRI Growth Rate was 22.90% per year. The lowest was -12.60% per year. And the median was 6.10% per year.

Pioneer Bankshares  (OTCPK:PNBI) EPS (Basic) Explanation

EPS is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.

Be Aware

Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.

If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.

Pioneer Bankshares EPS (Basic) Related Terms

Pioneer Bankshares EPS (Basic) Historical Data

* Premium members only.

The historical data trend for Pioneer Bankshares's EPS (Basic) 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 EPS (Basic) Chart

Pioneer Bankshares Annual Data
Trend Dec11 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EPS (Basic)
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.60 2.57 1.92 2.69 3.98

Pioneer Bankshares Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
EPS (Basic) 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 0.84 1.07 0.92 1.05 0.94
PNBI
54GF Score
Pioneer Bankshares Inc PNBI
EPS (Basic) is just one metric. See GF Score™, valuation, warning signs, and more.
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Pioneer Bankshares EPS (Basic) Calculation

EPS (Basic) is a rough measurement of the amount of a company's profit that can be allocated to one share of its stock. Basic earnings per share (EPS) do not factor in the dilutive effects on convertible securities.

Pioneer Bankshares's Basic EPS for the fiscal year that ended in Dec. 2025 is calculated as

Basic EPS (A: Dec. 2025 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(3.982-0)/1.002
=3.97

Pioneer Bankshares's Basic EPS for the quarter that ended in Dec. 2025 is calculated as

Basic EPS (Q: Dec. 2025 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(0.935-0)/1.000
=0.94

EPS (Basic) for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.98

* 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.

Frequently Asked Questions Learn more about EPS (Basic) →
What does a EPS (Basic) of $3.98 mean?
Pioneer Bankshares (PNBI) has a EPS (Basic) of $3.98 as of Dec. 2025. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Pioneer Bankshares and its competitors.
Is Pioneer Bankshares' EPS (Basic) too high?
Pioneer Bankshares' current EPS (Basic) is $3.98. 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' EPS (Basic) compare to HCBC and SCYT?
Pioneer Bankshares' EPS (Basic) of $3.98 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 EPS (Basic) for a Banks company?
A good EPS (Basic) depends on the Banks industry context. However, EPS (Basic) 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 EPS (Basic) mean?
A high EPS (Basic) can signal that a stock is expensive relative to its fundamentals. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Pioneer Bankshares and its competitors. Pioneer Bankshares's current EPS (Basic) is $3.98. 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 $30.42, compared to a current price of $44.50 — trading 46.3% above its estimated fair value. The current EPS (Basic) is $3.98. Pioneer Bankshares' overall GF Score™ is 54/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EPS (Basic) calculated?
EPS (Basic) is calculated from a company's financial statements. For Pioneer Bankshares (PNBI), the current EPS (Basic) is $3.98 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 $44.50 is trading 46.3% above its estimated GF Value™ of $30.42. GuruFocus considers Pioneer Bankshares to be Significantly Overvalued.

Key valuation signals for PNBI:

  • EPS (Basic): $3.98
  • GF Value™: $30.42 vs. price of $44.50 (46.3% above fair value)
  • GF Score™: 54/100 with 7 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

EPS (Basic) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$44.50
Price
$30.42
GF Value