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Pioneer BanksharesPNBI -5.39%57 PS Ratio is 2.77 as of Jul. 26, 2026, which is 35% above its 10-year median of 2.05. GuruFocus rates PNBI with a GF Score™ of 57/100 and a GF Value™ of $30.50 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,517 Banks companies, Pioneer Bankshares ranks better than 56.56% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Pioneer Bankshares's share price is $42.10.
Pioneer Bankshares's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was $15.17. Hence, Pioneer Bankshares's PS Ratio for today is 2.77.
Warning Sign:
Pioneer Bankshares Inc stock PS Ratio (=2.78) is close to 3-year high of 2.93.
The historical rank and industry rank for Pioneer Bankshares's PS Ratio or its related term are showing as below:
PNBI'
s PS Ratio Range Over the Past 10 Years
Min: 1.5 Med: 2.05 Max: 10.12
Current: 2.77
During the past 13 years, Pioneer Bankshares's highest PS Ratio was 10.12. The lowest was 1.50. And the median was 2.05.
PNBI's PS Ratio is ranked better than 56.56% of 1517
companies
in the Banks industry
Industry Median: 3.06
vs PNBI: 2.77
Pioneer Bankshares Inc has shown predictable revenue and earnings growth.
During the past 12 months, the average Revenue per Share Growth Rate of Pioneer Bankshares was 15.40% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 8.20% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 3.90% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 5.00% per year.
During the past 13 years, Pioneer Bankshares's highest 3-Year average Revenue per Share Growth Rate was 85.30% per year. The lowest was -0.50% per year. And the median was 3.20% per year.
Back to Basics: PS Ratio
Pioneer Bankshares (OTCPK:PNBI) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
Pioneer Bankshares PS Ratio Related Terms
Pioneer Bankshares PS Ratio Historical Data
* Premium members only.
The historical data trend for Pioneer Bankshares's PS 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 PS Ratio, along with its competitors' market caps and PS 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 PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Pioneer Bankshares's PS Ratio distribution charts can be found below:
* The bar in red indicates where Pioneer Bankshares's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Pioneer Bankshares's Share Price of today is $42.10. Pioneer Bankshares's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was $15.17.
* 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:
Pioneer Bankshares (PNBI) has a PS Ratio of 2.77 as of Jul. 26, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Pioneer Bankshares and its competitors. This is 35% above median its historical median of 2.05. Over the past decade, Pioneer Bankshares' PS Ratio has ranged from 1.50 to 10.12. According to the industry distribution chart, Pioneer Bankshares ranks #659 out of 1517 companies in the Banks industry, placing it in the top 43.4%.
Is Pioneer Bankshares' PS Ratio too high?
Pioneer Bankshares' current PS Ratio of 2.77 is 35% above median its 10-year median of 2.05. Over the past 10 years, this metric has ranged from a low of 1.50 to a high of 10.12. The Banks industry median PS Ratio is 3.06. Pioneer Bankshares' value of 2.77 is 9.5% below this industry median. Based on the distribution chart, Pioneer Bankshares ranks #659 out of 1517 companies in the Banks industry, which is above the industry midpoint. Overall, Pioneer Bankshares has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pioneer Bankshares' PS Ratio compare to HCBC and SCYT?
According to the Banks industry distribution chart, Pioneer Bankshares ranks #659 out of 1517 companies for PS Ratio. This puts Pioneer Bankshares in the upper half of its industry. The industry median PS Ratio is 3.06. Pioneer Bankshares' value of 2.77 is 9.5% below this benchmark. Historically, Pioneer Bankshares' own PS Ratio has ranged from 1.50 to 10.12 over the past decade. While the company's 10-year median is 2.05 vs. the industry median of 3.06, 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 3.06, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pioneer Bankshares's current PS Ratio of 2.77 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Pioneer Bankshares and its competitors. For the Banks industry, the median PS Ratio is 3.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pioneer Bankshares's current PS Ratio is 2.77, which is 35% above median its own 10-year median of 2.05. 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 $30.50, compared to a current price of $42.10 — trading 38% above its estimated fair value. The current PS Ratio is 2.77, which is 35% above median its 10-year median of 2.05 and 9.5% below the Banks industry median of 3.06. Pioneer Bankshares' overall GF Score™ is 57/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Pioneer Bankshares (PNBI), the current PS Ratio is 2.77 as of Jul. 26, 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 $42.10 is trading 38% above its estimated GF Value™ of $30.50.
GuruFocus considers Pioneer Bankshares to be Significantly Overvalued.
Key valuation signals for PNBI:
PS Ratio: 2.77 (35% above median its 10-year median of 2.05)
GF Value™: $30.50 vs. price of $42.10 (38% above fair value)
Industry Position: 9.5% below the Banks median (#659 of 1517)
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.
57GF Score
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