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    Banks - Regional
Pioneer Bankshares, Inc.

Pioneer Bankshares, Inc.

PNBI
Pioneer Bankshares, Inc.US flagOther OTC
44.50
USD
- -
- -
44.61MMarket Cap
Pioneer Bankshares, Inc.
PNBI
(Other OTC)

Recent

price

44.50

P/E

ratio

- -

div

yld

- -

ROIC.AI

2005
2006
2007
2008
2009
2010
2011
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
7.08
7.63
8.03
7.05
7.7
8.52
8.74
10.69
10.58
11.49
11.62
13.33
11.97
12.4
13.14
- -
15.16
Revenue per Share
1.42
1.64
1.73
1.09
1.2
1.8
1.6
2.1
2.29
2.69
2.6
3.6
2.57
1.92
2.69
- -
3.97
Basic EPS, GAAP
2.53
1.9
2.58
2.06
0.82
3.17
2.07
2.61
7.05
2.87
3.83
3.78
4.05
3.44
3.62
- -
- -
Free Cash Flow per Basic Share
0.48
0.51
0.56
0.57
0.57
0.58
0.59
0.8
0.84
0.88
0.92
0.96
0.97
1
1
- -
- -
Dividend per Share
13.54
14.92
16.11
16.71
17.42
18.59
19.58
28.1
29.72
31.53
33.18
35.84
37.33
38.24
39.73
- -
42.47
Book Value per Share
13.52
15.02
16.07
16.55
17.51
18.81
19.83
28.22
29.59
31.64
33.28
35.12
32.32
34.63
37.3
- -
41.61
Tangible Book Value per Share
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
- -
1
Basic Weighted Avg Shares
7
8
8
7
8
9
9
10
10
11
11
13
12
12
13
15
15
Sales/Revenue/Turnover
30.29
32.42
32.52
22.59
22.59
31.23
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1
1
1
- -
- -
- -
- -
1
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1
2
2
1
1
2
2
2
2
3
3
4
3
2
3
4
4
Net Income, GAAP
33.83
33.71
33.76
31.25
31.01
32.23
31.13
32.75
8.31
9.79
9.76
15.61
14.46
12.18
19.93
20.71
20.71
Effective Tax Rate (%)
20.04
21.49
21.54
15.53
15.58
21.16
18.28
19.66
21.6
23.39
22.34
26.99
21.44
15.46
20.44
26.2
26.2
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
14
11
7
9
8
11
10
8
6
4
3
2
2
22
34
30
30
LT Debt
14
15
16
17
18
19
21
27
29
31
33
35
32
34
37
42
42
Total Equity
4.86
6.11
7.14
4.5
4.67
6.54
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
10.69
11.42
11.15
6.68
7.06
10.05
8.4
8.58
7.92
8.8
8.05
10.45
7.04
5.04
6.91
9.69
9.69
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Jun'25
Sep'25
Dec'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1
1
1
Market Capitalization
26
29
30

Working Capital

FRC

•

in mil. unless spec.
Jun'25
Sep'25
Dec'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
- -
13
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
8.36%
5.13%
12.28%
Free Cash Flow
16.6%
7.1%
38.37%
Net Income, GAAP
11.2%
15.03%
48.8%
Sales/Revenue/Turnover
5.92%
6.24%
16.11%
Total Cash Common Dividend
6.13%
3.21%
6.52%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
3
3
3
3
12
2024
3
3
3
3
13
2025
4
4
4
4
15

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
0.72
- -
- -
- -
1.92
2024
0.68
- -
- -
- -
2.69
2025
1.07
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
1
2024
- -
- -
- -
- -
1
2025
- -
- -
- -
- -
- -
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Business
Pioneer Bankshares, Inc. (NasdaqCM: PNBI) is a bank holding company that operates through its subsidiary Pioneer Bank, providing a range of commercial banking products and services to retail and commercial customers primarily in Virginia. The company offers deposit products including checking accounts, savings accounts, money market accounts, certificates of deposit, and individual retirement accounts; and loan products such as commercial real estate loans, commercial and industrial loans, construction and land development loans, residential real estate loans, and consumer loans. Pioneer Bankshares, founded in 2022 and headquartered in Richmond, Virginia, conducts its operations exclusively within the United States, focusing on the banking segment of the financial services industry with target customers encompassing individuals, small businesses, and commercial enterprises in the Commonwealth of Virginia. In recent developments, the company completed a bank holding company reorganization in October 2023, transitioning from a mutual holding company structure to a stock holding company through the mutual-to-stock conversion of Pioneer Bank, which facilitated its initial public offering and Nasdaq listing under the PNBI ticker; additionally, in early 2025, Pioneer Bankshares announced strategic expansions including new branch openings in the Richmond metropolitan area and a partnership with a leading fintech provider to enhance digital banking services such as mobile app enhancements and online loan origination platforms. No significant acquisitions, funding rounds beyond the IPO, or name changes have been reported in the last two years.

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