PNBI (Pioneer Bankshares) ROC (Joel Greenblatt) %: % (As of Dec. 2025)

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PNBI Pioneer Bankshares Inc PNBI
48 GF Score
Price $54.99
GF Value $30.58
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Pioneer Bankshares ROC (Joel Greenblatt) %?

Pioneer Bankshares PNBI +30.62% 48 ROC (Joel Greenblatt) % is % as of Dec. 2025. GuruFocus rates PNBI with a GF Score™ of 48/100 and a GF Value™ of $30.58 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 46 Banks companies, Pioneer Bankshares ranks worse than 2173910.87% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

PNBI
48GF Score
Pioneer Bankshares Inc PNBI
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
Pioneer Bankshares (PNBI) has a ROC (Joel Greenblatt) % of % as of Dec. 2025. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Pioneer Bankshares and its competitors. According to the industry distribution chart, Pioneer Bankshares ranks #999999 out of 46 companies in the Banks industry.
Is Pioneer Bankshares' ROC (Joel Greenblatt) % too high?
Pioneer Bankshares' current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Pioneer Bankshares ranks #999999 out of 46 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Pioneer Bankshares has a GF Score™ of 48/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pioneer Bankshares' ROC (Joel Greenblatt) % compare to KFFB and IBWC?
According to the Banks industry distribution chart, Pioneer Bankshares ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places Pioneer Bankshares in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 63.39. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 63.39, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Pioneer Bankshares and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 63.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pioneer Bankshares's current ROC (Joel Greenblatt) % is %. 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 $30.58, compared to a current price of $54.99 — trading 79.8% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. Pioneer Bankshares' overall GF Score™ is 48/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Pioneer Bankshares (PNBI), the current ROC (Joel Greenblatt) % is % 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 $54.99 is trading 79.8% above its estimated GF Value™ of $30.58. GuruFocus considers Pioneer Bankshares to be Significantly Overvalued.

Key valuation signals for PNBI:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $30.58 vs. price of $54.99 (79.8% above fair value)
  • GF Score™: 48/100 with 6 warning signs

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 Business Description

Address 252 East Main Street, PO Box 10, Stanley, VA, USA, 22851
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.
48GF Score

Get the complete analysis for PNBI

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$54.99
Price
$30.58
GF Value