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Pioneer Bankshares's ROE % for the quarter that ended in Dec. 2025 was 9.08%. Pioneer Bankshares's PB Ratio for the quarter that ended in Dec. 2025 was 0.71.
Pioneer Bankshares's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 12.79%.
Pioneer Bankshares ROE % Adjusted to Book Value Related Terms
Pioneer Bankshares ROE % Adjusted to Book Value Historical Data
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The historical data trend for Pioneer Bankshares's ROE % Adjusted to Book Value 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.
Pioneer Bankshares ROE % Adjusted to Book Value Chart
PNBI vs HCBC, SCYT, QNTO: ROE % Adjusted to Book Value Comparison
For the Banks - Regional subindustry, Pioneer Bankshares's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry
For the Banks industry and Financial Services sector, Pioneer Bankshares's ROE % Adjusted to Book Value distribution charts can be found below:
* The bar in red indicates where Pioneer Bankshares's ROE % Adjusted to Book Value 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.
What does a ROE % Adjusted to Book Value of 12.79% mean?
Pioneer Bankshares (PNBI) has a ROE % Adjusted to Book Value of 12.79% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Pioneer Bankshares and its competitors.
Is Pioneer Bankshares' ROE % Adjusted to Book Value too high?
Pioneer Bankshares' current ROE % Adjusted to Book Value is 12.79%. 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' ROE % Adjusted to Book Value compare to HCBC and SCYT?
Pioneer Bankshares' ROE % Adjusted to Book Value of 12.79% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Pioneer Bankshares and its competitors. Pioneer Bankshares's current ROE % Adjusted to Book Value is 12.79%. 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 ROE % Adjusted to Book Value is 12.79%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Pioneer Bankshares (PNBI), the current ROE % Adjusted to Book Value is 12.79% 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:
ROE % Adjusted to Book Value: 12.79%
GF Value™: $30.42 vs. price of $44.50 (46.3% above fair value)
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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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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