PNBI (Pioneer Bankshares) Moat Score: 3/10 (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
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What is Pioneer Bankshares Moat Score?

Pioneer Bankshares PNBI 54 Moat Score is 3 as of Jul. 14, 2026. 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. Among 1,613 Banks companies, Pioneer Bankshares ranks better than 74.52% on this metric.

Pioneer Bankshares has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Pioneer Bankshares has No Moat: Pioneer Bankshares has some customer loyalty and a local distribution network, but lacks significant market leadership, brand strength, or proprietary technology, resulting in a weak moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Pioneer Bankshares might have No Moat - Very weak/transient advantages.

Pioneer Bankshares  (OTCPK:PNBI) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Pioneer Bankshares Moat Score Related Terms

PNBI vs HCBC, SCYT, QNTO: Moat Score Comparison

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

For the Banks industry and Financial Services sector, Pioneer Bankshares's Moat Score distribution charts can be found below:

* The bar in red indicates where Pioneer Bankshares's Moat Score falls into.


PNBI
54GF Score
Pioneer Bankshares Inc PNBI
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Pioneer Bankshares (PNBI) has a Moat Score of 3 as of Jul. 14, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Pioneer Bankshares ranks #411 out of 1613 companies in the Banks industry, placing it in the top 25.5%.
Is Pioneer Bankshares' Moat Score too high?
Pioneer Bankshares' current Moat Score is 3. Based on the distribution chart, Pioneer Bankshares ranks #411 out of 1613 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' Moat Score compare to HCBC and SCYT?
According to the Banks industry distribution chart, Pioneer Bankshares ranks #411 out of 1613 companies for Moat Score. This puts Pioneer Bankshares in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Pioneer Bankshares's current Moat Score is 3. 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 Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Pioneer Bankshares (PNBI), the current Moat Score is 3 as of Jul. 14, 2026. 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:

  • Moat Score: 3
  • 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

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

$44.50
Price
$30.42
GF Value