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Pioneer BanksharesPNBI 54 ROA % is 1.07% as of Dec. 2025, which is 2% above its 10-year median of 1.05. 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 1,532 Banks companies, Pioneer Bankshares ranks better than 60.84% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Pioneer Bankshares's annualizedNet Income for the quarter that ended in Dec. 2025 was $3.74 Mil.
Pioneer Bankshares's average Total Assets over the quarter that ended in Dec. 2025 was $350.14 Mil. Therefore, Pioneer Bankshares's annualized ROA % for the quarter that ended in Dec. 2025 was 1.07%.
The historical rank and industry rank for Pioneer Bankshares's ROA % or its related term are showing as below:
PNBI'
s ROA % Range Over the Past 10 Years
Min: 0.62 Med: 1.05 Max: 1.29
Current: 1.15
During the past 13 years, Pioneer Bankshares's highest ROA % was 1.29%. The lowest was 0.62%. And the median was 1.05%.
PNBI's ROA % is ranked better than 60.84% of 1532
companies
in the Banks industry
Industry Median: 0.98
vs PNBI: 1.15
Pioneer Bankshares (OTCPK:PNBI) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Dec. 2025) net income data. The Revenue data used here is four times the quarterly (Dec. 2025) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Pioneer Bankshares ROA % Related Terms
Pioneer Bankshares ROA % Historical Data
* Premium members only.
The historical data trend for Pioneer Bankshares's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Pioneer Bankshares's ROA % distribution charts can be found below:
* The bar in red indicates where Pioneer Bankshares's ROA % 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
Pioneer Bankshares (PNBI) has a ROA % of 1.07% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Pioneer Bankshares and its competitors. This is near median its historical median of 1.05. Over the past decade, Pioneer Bankshares' ROA % has ranged from 0.62 to 1.29. According to the industry distribution chart, Pioneer Bankshares ranks #600 out of 1532 companies in the Banks industry, placing it in the top 39.2%.
Is Pioneer Bankshares' ROA % too high?
Pioneer Bankshares' current ROA % of 1.07% is near median its 10-year median of 1.05. Over the past 10 years, this metric has ranged from a low of 0.62 to a high of 1.29. The Banks industry median ROA % is 0.98. Pioneer Bankshares' value of 1.07% is 9.2% above this industry median. Based on the distribution chart, Pioneer Bankshares ranks #600 out of 1532 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' ROA % compare to HCBC and SCYT?
According to the Banks industry distribution chart, Pioneer Bankshares ranks #600 out of 1532 companies for ROA %. This puts Pioneer Bankshares in the upper half of its industry. The industry median ROA % is 0.98. Pioneer Bankshares' value of 1.07% is 9.2% above this benchmark. Historically, Pioneer Bankshares' own ROA % has ranged from 0.62 to 1.29 over the past decade. While the company's 10-year median is 1.05 vs. the industry median of 0.98, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,532 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pioneer Bankshares's current ROA % of 1.07% is 9.2% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Pioneer Bankshares and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pioneer Bankshares's current ROA % is 1.07%, which is near median its own 10-year median of 1.05. 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 $30.42, compared to a current price of $44.50 — trading 46.3% above its estimated fair value. The current ROA % is 1.07%, which is near median its 10-year median of 1.05 and 9.2% above the Banks industry median of 0.98. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Pioneer Bankshares (PNBI), the current ROA % is 1.07% 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:
ROA %: 1.07% (near median its 10-year median of 1.05)
GF Value™: $30.42 vs. price of $44.50 (46.3% above fair value)
Industry Position: 9.2% above the Banks median (#600 of 1532)
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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