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Selling, general, & admin. expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. Pioneer Bankshares's selling, general, & admin. expense for the
three
months ended in Dec. 2025 was $0.00 Mil.
Its selling, general, & admin. expense for the trailing twelve months (TTM) ended in Dec. 2025 was $0.00 Mil.
Pioneer Bankshares (OTCPK:PNBI) Selling, General, & Admin. Expense Explanation
An efficient operation keeps SGA costs low and thus has higher profit margin. The percentage of SGA relative to total revenue is an indication of how efficiently the company operates. Compare this percentage among the companies in the same industry is a good way of finding more efficient operations. A comparison of the SGA cost relative to the revenue with the historical value can also be an indication of how efficient the company has become.
Warren Buffett likes companies with consistent SGA as the percentage of gross profit.
Companies with no durable competitive advantage show wild variation in SG&A as % of Gross Profit.
If SGA is less than 30% of Gross Profit, it is fantastic. If SGA is nearing 100%, it is is in highly competitive industry.
Pioneer Bankshares Selling, General, & Admin. Expense Related Terms
Pioneer Bankshares Selling, General, & Admin. Expense Historical Data
* Premium members only.
The historical data trend for Pioneer Bankshares's Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense Chart
PNBI vs KFFB, IBWC, CYSM: Selling, General, & Admin. Expense Comparison
For the Banks - Regional subindustry, Pioneer Bankshares's Selling, General, & Admin. Expense, along with its competitors' market caps and Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense vs Banks Industry
For the Banks industry and Financial Services sector, Pioneer Bankshares's Selling, General, & Admin. Expense distribution charts can be found below:
* The bar in red indicates where Pioneer Bankshares's Selling, General, & Admin. Expense falls into.
Pioneer Bankshares Selling, General, & Admin. Expense Calculation
Selling, General, & Admin. Expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. For instance, personnel cost, advertising, rent, communication costs are all part of SGA.
Selling, General, & Admin. Expense 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 $0.00 Mil.
* 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 Selling, General, & Admin. Expense of $0.00 Mil mean?
Pioneer Bankshares (PNBI) has a Selling, General, & Admin. Expense of $0.00 Mil as of Dec. 2025. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on Pioneer Bankshares and its competitors.
Is Pioneer Bankshares' Selling, General, & Admin. Expense too high?
Pioneer Bankshares' current Selling, General, & Admin. Expense is $0.00 Mil. 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' Selling, General, & Admin. Expense compare to KFFB and IBWC?
Pioneer Bankshares' Selling, General, & Admin. Expense of $0.00 Mil 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 Selling, General, & Admin. Expense for a Banks company?
A good Selling, General, & Admin. Expense depends on the Banks industry context. However, Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense mean?
A high Selling, General, & Admin. Expense can signal that a stock is expensive relative to its fundamentals. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on Pioneer Bankshares and its competitors. Pioneer Bankshares's current Selling, General, & Admin. Expense is $0.00 Mil. 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 $30.70, compared to a current price of $54.99 — trading 79.1% above its estimated fair value. The current Selling, General, & Admin. Expense is $0.00 Mil. Pioneer Bankshares' overall GF Score™ is 48/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Selling, General, & Admin. Expense calculated?
Selling, General, & Admin. Expense is calculated from a company's financial statements. For Pioneer Bankshares (PNBI), the current Selling, General, & Admin. Expense is $0.00 Mil 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 79.1% above its estimated GF Value™ of $30.70.
GuruFocus considers Pioneer Bankshares to be Significantly Overvalued.
Key valuation signals for PNBI:
Selling, General, & Admin. Expense: $0.00 Mil
GF Value™: $30.70 vs. price of $54.99 (79.1% 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.
48GF Score
Get the complete analysis for PNBI
Selling, General, & Admin. Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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