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Pioneer BanksharesPNBI 54 PEG Ratio is 2.80 as of Jul. 14, 2026, which is 6% above its 10-year median of 2.65. 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 1,230 Banks companies, Pioneer Bankshares ranks worse than 70.57% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Pioneer Bankshares's PEG Ratio or its related term are showing as below:
PNBI'
s PEG Ratio Range Over the Past 10 Years
Min: 0.79 Med: 2.65 Max: 4.97
Current: 2.8
During the past 13 years, Pioneer Bankshares's highest PEG Ratio was 4.97. The lowest was 0.79. And the median was 2.65.
PNBI's PEG Ratio is ranked worse than 70.57% of 1230
companies
in the Banks industry
Industry Median: 1.53
vs PNBI: 2.80
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Pioneer Bankshares (OTCPK:PNBI) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Pioneer Bankshares PEG Ratio Related Terms
Pioneer Bankshares PEG Ratio Historical Data
* Premium members only.
The historical data trend for Pioneer Bankshares's PEG 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 PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Pioneer Bankshares's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Pioneer Bankshares's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Pioneer Bankshares (PNBI) has a PEG Ratio of 2.80 as of Jul. 14, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Pioneer Bankshares and its competitors. This is near median its historical median of 2.65. Over the past decade, Pioneer Bankshares' PEG Ratio has ranged from 0.79 to 4.97. According to the industry distribution chart, Pioneer Bankshares ranks #868 out of 1230 companies in the Banks industry, placing it in the top 70.6%.
Is Pioneer Bankshares' PEG Ratio too high?
Pioneer Bankshares' current PEG Ratio of 2.80 is near median its 10-year median of 2.65. Over the past 10 years, this metric has ranged from a low of 0.79 to a high of 4.97. The Banks industry median PEG Ratio is 1.53. Pioneer Bankshares' value of 2.80 is 83% above this industry median. Based on the distribution chart, Pioneer Bankshares ranks #868 out of 1230 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' PEG Ratio compare to HCBC and SCYT?
According to the Banks industry distribution chart, Pioneer Bankshares ranks #868 out of 1230 companies for PEG Ratio. This places Pioneer Bankshares in the lower half of its industry. The industry median PEG Ratio is 1.53. Pioneer Bankshares' value of 2.80 is 83% above this benchmark. Historically, Pioneer Bankshares' own PEG Ratio has ranged from 0.79 to 4.97 over the past decade. While the company's 10-year median is 2.65 vs. the industry median of 1.53, Pioneer Bankshares has consistently been above 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.53, based on 1,230 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pioneer Bankshares's current PEG Ratio of 2.80 is 83% above 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Pioneer Bankshares and its competitors. For the Banks industry, the median PEG Ratio is 1.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pioneer Bankshares's current PEG Ratio is 2.80, which is near median its own 10-year median of 2.65. 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 PEG Ratio is 2.80, which is near median its 10-year median of 2.65 and 83% above the Banks industry median of 1.53. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Pioneer Bankshares (PNBI), the current PEG Ratio is 2.80 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:
PEG Ratio: 2.80 (near median its 10-year median of 2.65)
GF Value™: $30.42 vs. price of $44.50 (46.3% above fair value)
Industry Position: 83% above the Banks median (#868 of 1230)
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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