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Pioneer BanksharesPNBI 54 Net Margin % is 24.48% as of Dec. 2025, which is 14% above its 10-year median of 21.52. 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 1,530 Banks companies, Pioneer Bankshares ranks worse than 52.03% on this metric.
The historical rank and industry rank for Pioneer Bankshares's Net Margin % or its related term are showing as below:
PNBI'
s Net Margin % Range Over the Past 10 Years
Min: 15.46 Med: 21.52 Max: 26.99
Current: 26.2
PNBI's Net Margin % is ranked worse than 52.03% of 1530
companies
in the Banks industry
Industry Median: 26.845
vs PNBI: 26.20
Pioneer Bankshares (OTCPK:PNBI) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Pioneer Bankshares Net Margin % Related Terms
Pioneer Bankshares Net Margin % Historical Data
* Premium members only.
The historical data trend for Pioneer Bankshares's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Pioneer Bankshares's Net Margin % distribution charts can be found below:
* The bar in red indicates where Pioneer Bankshares's Net 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 Net Margin % of 24.48% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Pioneer Bankshares and its competitors. This is 14% above median its historical median of 21.52. Over the past decade, Pioneer Bankshares' Net Margin % has ranged from 15.46 to 26.99. According to the industry distribution chart, Pioneer Bankshares ranks #796 out of 1530 companies in the Banks industry, placing it in the top 52%.
Is Pioneer Bankshares' Net Margin % too high?
Pioneer Bankshares' current Net Margin % of 24.48% is 14% above median its 10-year median of 21.52. Over the past 10 years, this metric has ranged from a low of 15.46 to a high of 26.99. The Banks industry median Net Margin % is 26.85. Pioneer Bankshares' value of 24.48% is 8.8% below this industry median. Based on the distribution chart, Pioneer Bankshares ranks #796 out of 1530 companies in the Banks industry, which is below 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' Net Margin % compare to HCBC and SCYT?
According to the Banks industry distribution chart, Pioneer Bankshares ranks #796 out of 1530 companies for Net Margin %. This places Pioneer Bankshares in the lower half of its industry. The industry median Net Margin % is 26.85. Pioneer Bankshares' value of 24.48% is 8.8% below this benchmark. Historically, Pioneer Bankshares' own Net Margin % has ranged from 15.46 to 26.99 over the past decade. While the company's 10-year median is 21.52 vs. the industry median of 26.85, Pioneer Bankshares has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.85, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pioneer Bankshares's current Net Margin % of 24.48% is 8.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Pioneer Bankshares and its competitors. For the Banks industry, the median Net Margin % is 26.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pioneer Bankshares's current Net Margin % is 24.48%, which is 14% above median its own 10-year median of 21.52. 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 Net Margin % is 24.48%, which is 14% above median its 10-year median of 21.52 and 8.8% below the Banks industry median of 26.85. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Pioneer Bankshares (PNBI), the current Net Margin % is 24.48% 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:
Net Margin %: 24.48% (14% above median its 10-year median of 21.52)
GF Value™: $30.42 vs. price of $44.50 (46.3% above fair value)
Industry Position: 8.8% below the Banks median (#796 of 1530)
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
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