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The historical rank and industry rank for Pioneer Bankshares's FCF Margin % or its related term are showing as below:
PNBI'
s FCF Margin % Range Over the Past 10 Years
Min: 23.69 Med: 28.06 Max: 66.66
Current: 32.81
During the past 13 years, the highest FCF Margin % of Pioneer Bankshares was 66.66%. The lowest was 23.69%. And the median was 28.06%.
PNBI's FCF Margin % is ranked better than 60.65% of 1507
companies
in the Banks industry
Industry Median: 26.55
vs PNBI: 32.81
Pioneer Bankshares FCF Margin % Related Terms
Pioneer Bankshares FCF Margin % Historical Data
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The historical data trend for Pioneer Bankshares's FCF Margin % 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.
For the Banks - Regional subindustry, Pioneer Bankshares's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Pioneer Bankshares's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Pioneer Bankshares's FCF Margin % 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.
Pioneer Bankshares (PNBI) has a FCF Margin % of 0.00% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Pioneer Bankshares and its competitors. Over the past decade, Pioneer Bankshares' FCF Margin % has ranged from 23.69 to 66.66. According to the industry distribution chart, Pioneer Bankshares ranks #593 out of 1507 companies in the Banks industry, placing it in the top 39.3%.
Is Pioneer Bankshares' FCF Margin % too high?
Pioneer Bankshares' current FCF Margin % is 0.00%. Over the past 10 years, this metric has ranged from a low of 23.69 to a high of 66.66. Based on the distribution chart, Pioneer Bankshares ranks #593 out of 1507 companies in the Banks industry, which is above the industry midpoint. 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' FCF Margin % compare to HCBC and SCYT?
According to the Banks industry distribution chart, Pioneer Bankshares ranks #593 out of 1507 companies for FCF Margin %. This puts Pioneer Bankshares in the upper half of its industry. The industry median FCF Margin % is 26.55. Historically, Pioneer Bankshares' own FCF Margin % has ranged from 23.69 to 66.66 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,507 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Pioneer Bankshares and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pioneer Bankshares's current FCF Margin % is 0.00%. 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 FCF Margin % is 0.00%. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Pioneer Bankshares (PNBI), the current FCF Margin % is 0.00% 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:
FCF Margin %: 0.00%
GF Value™: $30.42 vs. price of $44.50 (46.3% 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.
54GF Score
Get the complete analysis for PNBI
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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