Pioneer Bankshares, Inc. Financial Ratios — PNBI Stock

Profitability (USD)

	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	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
Return on Assets (%)	1.13	1.15	0.72	0.78	1.13	0.99	1.1	1.07	1.18	1.03	1.29	0.88	0.62	0.8	1.14
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	6.11	7.14	4.5	4.67	6.54	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	39.77	39.12	29.31	27.54	35.27	3.49	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	32.42	32.52	22.59	22.59	31.23	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	68.94	34.5	105	22.59	106.53	-972.7	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	32.42	32.52	22.59	22.59	31.23	26.54	29.23	23.55	25.93	24.76	31.98	25.07	17.6	25.53	33.04
Profit Margin (%)	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
Net Income to Common Margin (%)	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
Effective Tax Rate (%)	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
Dvd Payout Ratio (%)	31.11	32.31	52.12	47.48	32.17	36.93	38.12	36.79	32.74	35.47	26.71	37.83	52.16	37.26	26.67
Sustainable Growth Rate (%)	7.87	7.55	3.2	3.71	6.82	5.3	5.31	5.01	5.92	5.19	7.66	4.38	2.41	4.34	7.11

Credit (USD)

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	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	11	7	9	8	11	10	8	6	4	3	2	2	22	34	30
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	11	7	9	8	11	10	8	6	4	3	2	2	22	34	30
Total Debt/EBITDA	3.48	2.17	4.48	3.92	3.55	33.23	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	0.04	-0.25	-2.34	-1.6	-1.29	1.11	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	4.27	2.61	5.82	4.78	4.01	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	0.05	-0.3	-3.03	-1.95	-1.46	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.97	10.74	10.87	11.14	11.4	12.14	13.42	13.58	13.3	12.38	12.24	12.73	11.74	11.48	12.01
Long-Term Debt/Equity (%)	70.31	42.4	55.94	47.44	56.72	51.06	27.45	20.36	14.1	8.76	7.18	7.73	65.7	92.83	71.9
Long-Term Debt/Capital (%)	41.44	29.73	35.65	32.3	36.46	34.09	21.61	16.85	12.4	8.08	6.57	6.27	37.3	46.57	41.33
Long-Term Debt/Total Assets (%)	7.06	4.54	6.02	5.32	6.54	6.28	3.7	2.75	1.88	1.09	0.86	0.85	6.98	10	8.46
Total Debt/Equity (%)	70.31	42.4	55.94	47.44	56.72	51.06	27.45	20.36	14.1	8.76	7.18	7.73	65.7	92.83	71.9
Total Debt/Capital (%)	41.44	29.73	35.65	32.3	36.46	34.09	21.61	16.85	12.4	8.08	6.57	6.27	37.3	46.57	41.33
Total Debt/Total Assets (%)	7.06	4.54	6.02	5.32	6.54	6.28	3.7	2.75	1.88	1.09	0.86	0.85	6.98	10	8.46
Net Debt to Equity	0.8	-4.95	-29.14	-19.4	-20.66	1.71	-44.74	-63.97	-52.05	-116.41	-104.64	-47.33	-65.76	-80.84	-31.07
Net Debt/Capital (%)	0.79	-5.2	-40.56	-24.24	-26.43	1.7	-54.36	-112.6	-84.35	1,464.55	-2,273.24	-62.36	-59.58	-68.21	-21.74
EBITDA	3	3	2	2	3	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	3	3	2	2	3	-1	- -	-1	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	3	3	2	2	3	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.97	10.74	10.87	11.14	11.4	12.14	13.42	13.58	13.3	12.38	12.24	12.73	11.74	11.48	12.01
Long-Term Debt/Equity (%)	70.31	42.4	55.94	47.44	56.72	51.06	27.45	20.36	14.1	8.76	7.18	7.73	65.7	92.83	71.9
Long-Term Debt/Capital (%)	41.44	29.73	35.65	32.3	36.46	34.09	21.61	16.85	12.4	8.08	6.57	6.27	37.3	46.57	41.33
Long-Term Debt/Total Assets (%)	7.06	4.54	6.02	5.32	6.54	6.28	3.7	2.75	1.88	1.09	0.86	0.85	6.98	10	8.46
Total Debt/Equity (%)	70.31	42.4	55.94	47.44	56.72	51.06	27.45	20.36	14.1	8.76	7.18	7.73	65.7	92.83	71.9
Total Debt/Capital (%)	41.44	29.73	35.65	32.3	36.46	34.09	21.61	16.85	12.4	8.08	6.57	6.27	37.3	46.57	41.33
Total Debt/Total Assets (%)	7.06	4.54	6.02	5.32	6.54	6.28	3.7	2.75	1.88	1.09	0.86	0.85	6.98	10	8.46
CFO/Total Liabilities	1.41	1.93	1.65	0.72	2.28	2.2	1.56	4.04	1.53	1.68	1.53	1.58	1.22	1.2	1.64
CFO/CapEx	- -	- -	10.72	5.6	25.74	2.98	13.12	13.05	11.75	35.69	26.7	59.75	30.08	49.05	36.88
Altman's Z-Score	0.3	0.37	0.31	0.3	0.34	0.28	0.33	0.33	0.32	0.27	0.28	0.28	0.25	0.25	0.21

Working Capital (USD)

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	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	12.15	11.11	9.68	11.55	13.26	12.88	28.57	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	30.04	32.85	37.7	31.59	27.53	28.34	12.78	- -	- -	- -	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	13	26	18	16	19	15	28	28	28	23	29	26	22	27	- -
- Cash & Cash Equivalents	11	8	14	12	15	10	12	18	16	38	36	15	23	30	13
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	11	7	9	8	11	10	8	6	4	3	2	2	22	34	30
Enterprise Value	13	26	13	12	15	15	23	16	17	-13	-5	13	22	31	17
Total Capital	26	23	26	26	30	31	35	35	35	36	38	40	60	74	73
Total Debt/Capital (%)	41.44	29.73	35.65	32.3	36.46	34.09	21.61	16.85	12.4	8.08	6.57	6.27	37.3	46.57	41.33
Total Debt / EV	0.83	0.27	0.72	0.69	0.76	0.7	0.33	0.37	0.26	-0.23	-0.52	0.19	1.04	1.1	1.76
EV/Sales	1.67	3.14	1.83	1.57	1.65	1.65	2.21	1.54	1.48	- -	- -	1.1	1.77	2.4	1.12
EV/EBITDA	4.19	8.02	6.26	5.7	4.68	47.41	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	5.14	9.65	8.12	6.95	5.29	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	6.69	9.76	5.69	12.15	4.27	4.64	8.37	2.13	5.41	- -	- -	3.2	6.18	8.52	3.32
EV/Free Cash Flow to Firm	6.69	9.76	5.21	10.31	4.11	3.47	7.78	1.98	4.99	- -	- -	3.15	5.98	8.35	3.24
Diluted Market Cap	13	26	18	16	19	15	28	28	28	23	29	26	22	27	- -
Diluted Enterprise Value	13	26	13	12	15	15	23	16	17	-13	-5	13	22	31	17
EV per Share	12.71	25.2	12.93	12.1	14.06	14.45	23.62	16.24	17	- -	- -	13.2	21.98	31.48	- -
TTM Sales	8	8	7	8	9	9	10	10	11	11	13	12	12	13	15
TTM EBITDA	3	3	2	2	3	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	3	3	2	2	3	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	2	3	2	1	3	3	3	7	3	4	4	4	4	4	5
TTM Free Cash Flow to Firm	2	3	3	1	4	4	3	8	3	4	4	4	4	4	5

Multiples (USD)

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	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	6.63	10.07	7.15	13.2	5.24	3.39	9.38	3.54	8.51	5.67	7.21	6.21	5.98	7.17	- -
EV/EBIT	5.14	9.65	8.12	6.95	5.29	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	13	26	13	12	15	15	23	16	17	-13	-5	13	22	31	17
Low Price	10.11	12.59	17.5	13.1	13.5	13.3	22.25	27	26.41	22	23	26	18	20.5	24.5
EV/Sales	1.67	3.14	1.83	1.57	1.65	1.65	2.21	1.54	1.48	- -	- -	1.1	1.77	2.4	1.12
EV/EBITDA	4.19	8.02	6.26	5.7	4.68	47.41	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	7.68	15.03	16.22	12.91	9.96	8.83	13.56	12.76	10.79	8.86	8.17	10.13	11.48	10.05	- -
Price/Earnings Average	8.53	12.9	19.87	12.98	8.59	9.94	12.13	13.4	10.51	9.43	7.65	10.85	11.57	8.6	- -
Price/Earnings High	18.29	16.24	25.68	14.79	10.12	12.52	14.27	14.43	11.25	11.48	8.89	11.69	14.21	10.8	- -
Price/Earnings Low	6.17	7.28	15.99	10.91	7.49	8.32	10.59	11.82	9.82	8.48	6.39	10.13	9.39	7.63	- -
Price/Book Value	0.84	1.61	1.06	0.89	0.97	0.72	1.01	0.98	0.92	0.69	0.82	0.7	0.58	0.68	- -
Price/Book Value Average	0.94	1.39	1.3	0.89	0.83	0.81	0.91	1.03	0.9	0.74	0.77	0.75	0.58	0.58	- -
Price/Book Value High	2.01	1.74	1.68	1.02	0.98	1.02	1.07	1.11	0.96	0.9	0.89	0.8	0.71	0.73	- -
Price/Book Value Low	0.68	0.78	1.05	0.75	0.73	0.68	0.79	0.91	0.84	0.66	0.64	0.7	0.47	0.52	- -
Price/Tangible Book Value	0.84	1.62	1.07	0.88	0.95	0.71	1.01	0.99	0.92	0.69	0.84	0.8	0.64	0.72	- -
Price/Tangible Book Value Average	0.93	1.39	1.31	0.89	0.82	0.8	0.9	1.03	0.89	0.74	0.78	0.86	0.64	0.62	- -
Price/Tangible Book Value High	2	1.75	1.7	1.01	0.97	1.01	1.06	1.11	0.96	0.9	0.91	0.93	0.79	0.78	- -
Price/Tangible Book Value Low	0.67	0.78	1.06	0.75	0.72	0.67	0.79	0.91	0.83	0.66	0.65	0.8	0.52	0.55	- -
Price/Sales	1.65	3.24	2.52	2.01	2.11	1.61	2.67	2.75	2.52	1.98	2.21	2.17	1.77	2.06	- -
Price/Sales Average	1.83	2.78	3.09	2.02	1.82	1.82	2.38	2.89	2.46	2.11	2.06	2.33	1.79	1.76	- -
Price/Sales High	3.93	3.5	3.99	2.3	2.14	2.29	2.81	3.12	2.63	2.56	2.4	2.51	2.2	2.21	- -
Price/Sales Low	1.33	1.57	2.48	1.7	1.58	1.52	2.08	2.55	2.3	1.89	1.73	2.17	1.45	1.56	- -
Price/Cash Flow	6.63	10.07	7.82	15.56	5.45	4.53	10.1	3.82	9.24	5.83	7.48	6.31	6.18	7.31	- -
Price/Cash Flow Average	7.36	8.64	9.58	15.64	4.7	5.1	9.03	4.01	9	6.21	7	6.75	6.24	6.25	- -
Price/Cash Flow High	15.8	10.88	12.38	17.82	5.54	6.42	10.62	4.32	9.63	7.56	8.14	7.28	7.66	7.85	- -
Price/Cash Flow Low	5.33	4.87	7.71	13.15	4.1	4.27	7.88	3.53	8.41	5.58	5.85	6.31	5.06	5.55	- -
Price/Free Cash Flow Average	7.36	8.64	8.76	13.27	4.53	3.82	8.39	3.72	8.29	6.04	6.75	6.64	6.03	6.13	- -
Price/Free Cash Flow High	15.8	10.88	11.32	15.12	5.33	4.8	9.87	4.01	8.88	7.35	7.84	7.16	7.41	7.7	- -
Price/Free Cash Flow Low	5.33	4.87	7.05	11.16	3.94	3.2	7.32	3.28	7.75	5.43	5.64	6.21	4.9	5.44	- -
EV/Sales Average	1.85	2.68	2.4	1.58	1.36	1.86	1.93	1.67	1.41	- -	- -	1.26	1.79	2.1	1.12
EV/Sales High	3.95	3.4	3.3	1.86	1.69	2.33	2.35	1.9	1.59	- -	- -	1.44	2.2	2.55	1.12
EV/Sales Low	1.34	1.47	1.8	1.26	1.13	1.56	1.63	1.33	1.25	- -	- -	1.1	1.45	1.9	1.12
EV/EBITDA Average	4.65	6.85	8.19	5.74	3.86	53.26	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	9.92	8.69	11.27	6.77	4.78	66.74	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	3.37	3.75	6.14	4.57	3.2	44.76	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	5.7	8.24	10.63	7	4.36	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	12.18	10.45	14.62	8.25	5.4	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	4.14	4.52	7.96	5.58	3.61	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	12.59	26	17.75	15.5	17.95	14.11	28.5	29.15	29	23	29.4	26	22	27	29.48
High Price	30	28.1	28.1	17.75	18.25	20	29.99	32.98	30.25	29.8	31.99	30	27.25	29	32.75
Enterprise Value Average	14	22	17	12	12	17	20	17	16	-11	-7	15	22	27	17
Enterprise Value High	31	28	24	15	15	21	24	20	18	-6	-2	17	27	33	17
Enterprise Value Low	10	12	13	10	10	14	17	14	14	-14	-11	13	18	25	17

Shares Outstanding	1	1	1	1	1	1	- -	- -	- -	- -	1	1	1	1	1
Diluted Weighted Avg Shares	1	1	1	1	1	1	1	1	1	1	1	1	1	1	- -
Basic Weighted Avg Shares	1	1	1	1	1	1	1	1	1	1	1	1	1	1	- -
Revenue per Share	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	- -
EBITDA per Share	3.04	3.14	2.07	2.12	3	0.3	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	2.47	2.61	1.59	1.74	2.66	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	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	- -
Basic EPS from Cont Ops	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	- -
Diluted EPS, GAAP	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	- -
Diluted EPS from Cont Ops	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	- -
Dividend per Share	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	- -
Cash Flow per Share	1.9	2.58	2.27	1	3.3	3.12	2.82	7.64	3.14	3.94	3.93	4.12	3.56	3.69	- -
Free Cash Flow per Basic Share	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	- -
Cash & Equivalents per Share	10.44	7.61	14.08	11.71	14.55	9.79	12.62	18.93	16.47	38.74	36.74	15.3	22.77	30.15	- -
Book Value per Share	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	- -
Tangible Book Value per Share	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	- -

Pioneer Bankshares, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)