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Pioneer BanksharesPNBI 54 Pretax Margin % is 31.36% as of Dec. 2025, which is 22% above its 10-year median of 25.73. 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 1,530 Banks companies, Pioneer Bankshares ranks worse than 54.97% on this metric.
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Pioneer Bankshares Pretax Margin % Related Terms
Pioneer Bankshares Pretax Margin % Historical Data
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The historical data trend for Pioneer Bankshares's Pretax 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.
PNBI vs HCBC, SCYT, QNTO: Pretax Margin % Comparison
For the Banks - Regional subindustry, Pioneer Bankshares's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Pioneer Bankshares's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Pioneer Bankshares's Pretax 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 Pretax Margin % of 31.36% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Pioneer Bankshares and its competitors. This is 22% above median its historical median of 25.73. Over the past decade, Pioneer Bankshares' Pretax Margin % has ranged from 17.60 to 33.04. According to the industry distribution chart, Pioneer Bankshares ranks #841 out of 1530 companies in the Banks industry, placing it in the top 55%.
Is Pioneer Bankshares' Pretax Margin % too high?
Pioneer Bankshares' current Pretax Margin % of 31.36% is 22% above median its 10-year median of 25.73. Over the past 10 years, this metric has ranged from a low of 17.60 to a high of 33.04. The Banks industry median Pretax Margin % is 34.66. Pioneer Bankshares' value of 31.36% is 9.5% below this industry median. Based on the distribution chart, Pioneer Bankshares ranks #841 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' Pretax Margin % compare to HCBC and SCYT?
According to the Banks industry distribution chart, Pioneer Bankshares ranks #841 out of 1530 companies for Pretax Margin %. This places Pioneer Bankshares in the lower half of its industry. The industry median Pretax Margin % is 34.66. Pioneer Bankshares' value of 31.36% is 9.5% below this benchmark. Historically, Pioneer Bankshares' own Pretax Margin % has ranged from 17.60 to 33.04 over the past decade. While the company's 10-year median is 25.73 vs. the industry median of 34.66, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.66, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pioneer Bankshares's current Pretax Margin % of 31.36% is 9.5% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Pioneer Bankshares and its competitors. For the Banks industry, the median Pretax Margin % is 34.66 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pioneer Bankshares's current Pretax Margin % is 31.36%, which is 22% above median its own 10-year median of 25.73. 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 Pretax Margin % is 31.36%, which is 22% above median its 10-year median of 25.73 and 9.5% below the Banks industry median of 34.66. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Pioneer Bankshares (PNBI), the current Pretax Margin % is 31.36% 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:
Pretax Margin %: 31.36% (22% above median its 10-year median of 25.73)
GF Value™: $30.42 vs. price of $44.50 (46.3% above fair value)
Industry Position: 9.5% below the Banks median (#841 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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