PNBI (Pioneer Bankshares) EV-to-FCF: (As of Jul. 14, 2026)

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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
View Full Analysis

What is Pioneer Bankshares EV-to-FCF?

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Pioneer Bankshares's Enterprise Value is $61.65 Mil. Pioneer Bankshares's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $0.00 Mil. Therefore, Pioneer Bankshares's EV-to-FCF for today is .

The historical rank and industry rank for Pioneer Bankshares's EV-to-FCF or its related term are showing as below:

PNBI' s EV-to-FCF Range Over the Past 10 Years
Min: 0   Med: 0   Max: 12.36
Current: 12.36

During the past 13 years, the highest EV-to-FCF of Pioneer Bankshares was 12.36. The lowest was 0.00. And the median was 0.00.

PNBI's EV-to-FCF is ranked worse than
69.56% of 1199 companies
in the Banks industry
Industry Median: 6.57 vs PNBI: 12.36

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-07-14), Pioneer Bankshares's stock price is $44.50. Pioneer Bankshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $3.980. Therefore, Pioneer Bankshares's PE Ratio (TTM) for today is 11.18.


Pioneer Bankshares  (OTCPK:PNBI) EV-to-FCF Explanation

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

Pioneer Bankshares's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=44.50/3.980
=11.18

Pioneer Bankshares's share price for today is $44.50.
Pioneer Bankshares's Earnings per Share (Diluted) 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 $3.980.

* 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.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.


Pioneer Bankshares EV-to-FCF Related Terms


Pioneer Bankshares EV-to-FCF Historical Data

* Premium members only.

The historical data trend for Pioneer Bankshares's EV-to-FCF 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 EV-to-FCF Chart

Pioneer Bankshares Annual Data
Trend Dec11 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only -1.22 3.34 6.40 8.72 9.34

Pioneer Bankshares Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
EV-to-FCF 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 8.72 0.00 0.00 0.00 9.34

PNBI vs HCBC, SCYT, QNTO: EV-to-FCF Comparison

For the Banks - Regional subindustry, Pioneer Bankshares's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Pioneer Bankshares's EV-to-FCF distribution charts can be found below:

* The bar in red indicates where Pioneer Bankshares's EV-to-FCF falls into.


PNBI
54GF Score
Pioneer Bankshares Inc PNBI
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Pioneer Bankshares EV-to-FCF Calculation

Pioneer Bankshares's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=61.645/0
=

Pioneer Bankshares's current Enterprise Value is $61.65 Mil.
Pioneer Bankshares's Free Cash Flow 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 $0.00 Mil.

* 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.

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:

  • EV-to-FCF:
  • 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

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

$44.50
Price
$30.42
GF Value