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Pioneer BanksharesPNBI +30.62%48 5-Year Yield-on-Cost % is 2.31 as of Aug. 15, 2026, which is 43% below its 10-year median of 4.08. GuruFocus rates PNBI with a GF Score™ of 48/100 and a GF Value™ of $30.63 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,252 Banks companies, Pioneer Bankshares ranks worse than 76.6% on this metric.
Pioneer Bankshares's yield on cost for the quarter that ended in Dec. 2025 was 2.31.
The historical rank and industry rank for Pioneer Bankshares's 5-Year Yield-on-Cost % or its related term are showing as below:
PNBI'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.94 Med: 4.08 Max: 6.1
Current: 2.31
During the past 13 years, Pioneer Bankshares's highest Yield on Cost was 6.10. The lowest was 0.94. And the median was 4.08.
PNBI's 5-Year Yield-on-Cost % is ranked worse than 76.6% of 1252
companies
in the Banks industry
Industry Median: 3.795
vs PNBI: 2.31
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Pioneer Bankshares 5-Year Yield-on-Cost % Related Terms
PNBI vs KFFB, IBWC, CYSM: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Pioneer Bankshares's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Pioneer Bankshares's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Pioneer Bankshares's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Pioneer Bankshares (PNBI) has a 5-Year Yield-on-Cost % of 2.31 as of Aug. 15, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Pioneer Bankshares and its competitors. This is 43% below median its historical median of 4.08. Over the past decade, Pioneer Bankshares' 5-Year Yield-on-Cost % has ranged from 0.94 to 6.10. According to the industry distribution chart, Pioneer Bankshares ranks #959 out of 1252 companies in the Banks industry, placing it in the top 76.6%.
Is Pioneer Bankshares' 5-Year Yield-on-Cost % too high?
Pioneer Bankshares' current 5-Year Yield-on-Cost % of 2.31 is 43% below median its 10-year median of 4.08. Over the past 10 years, this metric has ranged from a low of 0.94 to a high of 6.10. The Banks industry median 5-Year Yield-on-Cost % is 3.80. Pioneer Bankshares' value of 2.31 is 39.1% below this industry median. Based on the distribution chart, Pioneer Bankshares ranks #959 out of 1252 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' 5-Year Yield-on-Cost % compare to KFFB and IBWC?
According to the Banks industry distribution chart, Pioneer Bankshares ranks #959 out of 1252 companies for 5-Year Yield-on-Cost %. This places Pioneer Bankshares in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.80. Pioneer Bankshares' value of 2.31 is 39.1% below this benchmark. Historically, Pioneer Bankshares' own 5-Year Yield-on-Cost % has ranged from 0.94 to 6.10 over the past decade. While the company's 10-year median is 4.08 vs. the industry median of 3.80, Pioneer Bankshares has consistently been below 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.80, based on 1,252 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pioneer Bankshares's current 5-Year Yield-on-Cost % of 2.31 is 39.1% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Pioneer Bankshares and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pioneer Bankshares's current 5-Year Yield-on-Cost % is 2.31, which is 43% below median its own 10-year median of 4.08. 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 $30.63, compared to a current price of $54.99 — trading 79.5% above its estimated fair value. The current 5-Year Yield-on-Cost % is 2.31, which is 43% below median its 10-year median of 4.08 and 39.1% below the Banks industry median of 3.80. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Pioneer Bankshares (PNBI), the current 5-Year Yield-on-Cost % is 2.31 as of Aug. 15, 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 $54.99 is trading 79.5% above its estimated GF Value™ of $30.63.
GuruFocus considers Pioneer Bankshares to be Significantly Overvalued.
Key valuation signals for PNBI:
5-Year Yield-on-Cost %: 2.31 (43% below median its 10-year median of 4.08)
GF Value™: $30.63 vs. price of $54.99 (79.5% above fair value)
Industry Position: 39.1% below the Banks median (#959 of 1252)
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
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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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