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Pioneer BanksharesPNBI 54 PB Ratio is 1.07 as of Jul. 14, 2026, which is 47% above its 10-year median of 0.73. 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 1,520 Banks companies, Pioneer Bankshares ranks better than 53.09% on this metric.
Pioneer Bankshares Inc stock PB Ratio (=1.07) is close to 10-year high of 1.07.
The historical rank and industry rank for Pioneer Bankshares's PB Ratio or its related term are showing as below:
PNBI'
s PB Ratio Range Over the Past 10 Years
Min: 0.56 Med: 0.73 Max: 1.07
Current: 1.07
During the past 13 years, Pioneer Bankshares's highest PB Ratio was 1.07. The lowest was 0.56. And the median was 0.73.
PNBI's PB Ratio is ranked better than 53.09% of 1520
companies
in the Banks industry
Industry Median: 1.11
vs PNBI: 1.07
During the past 12 months, Pioneer Bankshares's average Book Value Per Share Growth Rate was 11.90% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 8.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 4.00% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 7.00% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Pioneer Bankshares was 17.50% per year. The lowest was 0.60% per year. And the median was 5.60% per year.
Back to Basics: PB Ratio
Pioneer Bankshares (OTCPK:PNBI) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Pioneer Bankshares PB Ratio Related Terms
Pioneer Bankshares PB Ratio Historical Data
* Premium members only.
The historical data trend for Pioneer Bankshares's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Pioneer Bankshares's PB Ratio distribution charts can be found below:
* The bar in red indicates where Pioneer Bankshares's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Pioneer Bankshares (PNBI) has a PB Ratio of 1.07 as of Jul. 14, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Pioneer Bankshares and its competitors. This is 47% above median its historical median of 0.73. Over the past decade, Pioneer Bankshares' PB Ratio has ranged from 0.56 to 1.07. According to the industry distribution chart, Pioneer Bankshares ranks #713 out of 1520 companies in the Banks industry, placing it in the top 46.9%.
Is Pioneer Bankshares' PB Ratio too high?
Pioneer Bankshares' current PB Ratio of 1.07 is 47% above median its 10-year median of 0.73. Over the past 10 years, this metric has ranged from a low of 0.56 to a high of 1.07. The Banks industry median PB Ratio is 1.11. Pioneer Bankshares' value of 1.07 is 3.6% below this industry median. Based on the distribution chart, Pioneer Bankshares ranks #713 out of 1520 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' PB Ratio compare to HCBC and SCYT?
According to the Banks industry distribution chart, Pioneer Bankshares ranks #713 out of 1520 companies for PB Ratio. This puts Pioneer Bankshares in the upper half of its industry. The industry median PB Ratio is 1.11. Pioneer Bankshares' value of 1.07 is 3.6% below this benchmark. Historically, Pioneer Bankshares' own PB Ratio has ranged from 0.56 to 1.07 over the past decade. While the company's 10-year median is 0.73 vs. the industry median of 1.11, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.11, based on 1,520 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pioneer Bankshares's current PB Ratio of 1.07 is 3.6% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Pioneer Bankshares and its competitors. For the Banks industry, the median PB Ratio is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pioneer Bankshares's current PB Ratio is 1.07, which is 47% above median its own 10-year median of 0.73. 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 PB Ratio is 1.07, which is 47% above median its 10-year median of 0.73 and 3.6% below the Banks industry median of 1.11. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Pioneer Bankshares (PNBI), the current PB Ratio is 1.07 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:
PB Ratio: 1.07 (47% above median its 10-year median of 0.73)
GF Value™: $30.42 vs. price of $44.50 (46.3% above fair value)
Industry Position: 3.6% below the Banks median (#713 of 1520)
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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