PNBI (Pioneer Bankshares) Tariff Resilience Score: 8/10 (As of Jul. 26, 2026)

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PNBI Pioneer Bankshares Inc PNBI
57 GF Score
Price $42.10
GF Value $30.50
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Pioneer Bankshares Tariff Resilience Score?

Pioneer Bankshares PNBI -5.39% 57 Tariff Resilience Score is 8 as of Jul. 26, 2026. 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 1,607 Banks companies, Pioneer Bankshares ranks better than 78.78% on this metric.

Pioneer Bankshares has the Tariff Resilience Score of 8, which implies that the company might have Highly Resilient.

Pioneer Bankshares has Pioneer Bankshares is primarily a domestic financial institution with minimal exposure to international trade tariffs. Its operations are focused on local banking services, making it largely resilient to global trade policy changes.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes Pioneer Bankshares might have Highly Resilient.

Pioneer Bankshares  (OTCPK:PNBI) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

Pioneer Bankshares Tariff Resilience Score Related Terms

PNBI vs HCBC, SCYT, QNTO: Tariff Resilience Score Comparison

For the Banks - Regional subindustry, Pioneer Bankshares's Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience Score 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 Tariff Resilience Score vs Banks Industry

For the Banks industry and Financial Services sector, Pioneer Bankshares's Tariff Resilience Score distribution charts can be found below:

* The bar in red indicates where Pioneer Bankshares's Tariff Resilience Score falls into.


PNBI
57GF Score
Pioneer Bankshares Inc PNBI
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 8 mean?
Pioneer Bankshares (PNBI) has a Tariff Resilience Score of 8 as of Jul. 26, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, Pioneer Bankshares ranks #341 out of 1607 companies in the Banks industry, placing it in the top 21.2%.
Is Pioneer Bankshares' Tariff Resilience Score too high?
Pioneer Bankshares' current Tariff Resilience Score is 8. Based on the distribution chart, Pioneer Bankshares ranks #341 out of 1607 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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' Tariff Resilience Score compare to HCBC and SCYT?
According to the Banks industry distribution chart, Pioneer Bankshares ranks #341 out of 1607 companies for Tariff Resilience Score. This places Pioneer Bankshares in the top 21% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience Score 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. Pioneer Bankshares's current Tariff Resilience Score is 8. 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 Tariff Resilience Score is 8. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For Pioneer Bankshares (PNBI), the current Tariff Resilience Score is 8 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:

  • Tariff Resilience Score: 8
  • GF Value™: $30.50 vs. price of $42.10 (38% above fair value)
  • GF Score™: 57/100 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.
57GF Score

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Tariff Resilience Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$42.10
Price
$30.50
GF Value