Pioneer Bankshares (PNBI) Ratios
Pioneer Bankshares Ratios
PNBI's free cash flow for Q1 2026 was $0.00. For the 2026 fiscal year, PNBI's free cash flow was increased by $0.00 and operating cash flow was $0.00. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 56.98 | 0.11 | 0.02 | 15.72 | 0.15 |
| Quick Ratio | 56.98 | 0.11 | 0.02 | 20.80 | 0.15 |
| Cash Ratio | 34.73 | 0.11 | 0.02 | 14.40 | 0.14 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 |
| Operating Cash Flow Ratio | 61.02 | 0.01 | 0.02 | 3.88 | 0.02 |
| Short-Term Operating Cash Flow Coverage | 61.02 | 108.21 | 39.99 | 0.00 | 0.00 |
| Net Current Asset Value | $ -308.25M | $ -276.54M | $ -283.89M | $ -244.26M | $ -218.33M |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.08 | 0.10 | 0.07 | 0.01 | 0.01 |
| Debt-to-Equity Ratio | 0.72 | 0.93 | 0.66 | 0.08 | 0.07 |
| Debt-to-Capital Ratio | 0.42 | 0.48 | 0.40 | 0.07 | 0.07 |
| Long-Term Debt-to-Capital Ratio | 0.42 | 0.48 | 0.40 | 0.07 | 0.07 |
| Financial Leverage Ratio | 8.50 | 9.28 | 9.41 | 9.07 | 8.34 |
| Debt Service Coverage Ratio | 0.76 | 0.46 | 0.73 | 4.97 | 7.02 |
| Interest Coverage Ratio | 0.91 | 0.57 | 0.69 | 4.99 | 7.43 |
| Debt to Market Cap | 1.02 | 0.31 | 1.04 | 0.10 | 0.09 |
| Interest Debt Per Share | 35.59 | 9.90 | 25.93 | 3.10 | 3.09 |
| Net Debt to EBITDA | 5.12 | 1.21 | 7.05 | -3.74 | -7.29 |
| Profitability Margins | |||||
| Gross Profit Margin | 71.76% | 100.00% | 79.59% | 95.22% | 95.87% |
| EBIT Margin | 24.80% | -2.53% | 14.01% | 23.87% | 30.66% |
| EBITDA Margin | 26.23% | 28.06% | 17.03% | 27.22% | 33.74% |
| Operating Profit Margin | 24.80% | 28.17% | 14.01% | 23.87% | 30.66% |
| Pretax Profit Margin | 24.80% | 25.53% | 14.01% | 23.87% | 30.66% |
| Net Profit Margin | 19.66% | 20.44% | 12.30% | 20.42% | 25.88% |
| Continuous Operations Profit Margin | 19.66% | 20.44% | 12.30% | 20.42% | 25.88% |
| Net Income Per EBT | 79.29% | 80.07% | 87.82% | 85.54% | 84.39% |
| EBT Per EBIT | 100.00% | 90.64% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.12% | 0.78% | 0.59% | 0.88% | 1.23% |
| Return on Equity (ROE) | 9.54% | 7.20% | 5.54% | 7.94% | 10.25% |
| Return on Capital Employed (ROCE) | 1.42% | 5.03% | 1.93% | 1.03% | 11.10% |
| Return on Invested Capital (ROIC) | 1.12% | 4.03% | 2.06% | 0.88% | 9.37% |
| Return on Tangible Assets | 1.12% | 0.78% | 0.59% | 0.88% | 1.23% |
| Earnings Yield | 13.49% | 2.39% | 8.71% | 9.87% | 12.24% |
| Efficiency Ratios | |||||
| Receivables Turnover | 14.98 | 11.21 | 14.51 | 13.52 | 16.98 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | -0.11 | 0.00 |
| Fixed Asset Turnover | 5.64 | 3.66 | 4.02 | 3.11 | 3.22 |
| Asset Turnover | 0.06 | 0.04 | 0.05 | 0.04 | 0.05 |
| Working Capital Turnover Ratio | -0.17 | -0.06 | -0.16 | -0.13 | -0.07 |
| Cash Conversion Cycle | 24.37 | 32.57 | 25.15 | -3254.36 | 21.49 |
| Days of Sales Outstanding | 24.37 | 32.57 | 25.15 | 27.00 | 21.49 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | -3281.36 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Cycle | 24.37 | 32.57 | 25.15 | -3254.36 | 21.49 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 5.12 | 0.89 | 3.56 | 4.12 | 3.93 |
| Free Cash Flow Per Share | 4.98 | 0.87 | 3.44 | 4.05 | 3.78 |
| Dividend Paid and CapEx Coverage Ratio | 4.27 | 3.43 | 3.18 | 3.96 | 3.55 |
| Capital Expenditure Coverage Ratio | 36.88 | 49.05 | 30.08 | 59.75 | 26.70 |
| Operating Cash Flow Coverage Ratio | 0.17 | 0.11 | 0.16 | 1.65 | 1.56 |
| Operating Cash Flow to Sales Ratio | 0.25 | 0.28 | 0.23 | 0.33 | 0.28 |
| Free Cash Flow Yield | 16.89% | 3.22% | 15.64% | 15.59% | 12.87% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 7.41 | 10.04 | 11.48 | 10.13 | 8.17 |
| Price-to-Sales (P/S) Ratio | 1.46 | 8.55 | 1.41 | 2.07 | 2.11 |
| Price-to-Book (P/B) Ratio | 0.71 | 3.01 | 0.64 | 0.80 | 0.84 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 5.92 | 31.05 | 6.40 | 6.42 | 7.77 |
| Price-to-Operating Cash Flow Ratio | 5.76 | 30.42 | 6.18 | 6.31 | 7.48 |
| Price-to-Earnings Growth (PEG) Ratio | 0.15 | 0.25 | -0.45 | -0.35 | 0.21 |
| Enterprise Value Multiple | 10.68 | 31.68 | 15.34 | 3.86 | -1.03 |
| Enterprise Value | 56.73M | 116.36M | 40.26M | 13.21M | -4.78M |
| EV to EBITDA | 10.68 | 31.68 | 15.34 | 3.86 | -1.03 |
| EV to Sales | 2.80 | 8.89 | 2.61 | 1.05 | -0.35 |
| EV to Free Cash Flow | 11.38 | 32.29 | 11.83 | 3.26 | -1.27 |
| EV to Operating Cash Flow | 11.07 | 31.63 | 11.44 | 3.20 | -1.23 |
| Tangible Book Value Per Share | 41.66 | 8.88 | 34.27 | 31.96 | 35.12 |
| Shareholders’ Equity Per Share | 41.66 | 8.97 | 34.63 | 32.32 | 35.12 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.21 | 0.20 | 0.12 | 0.14 | 0.16 |
| Revenue Per Share | 20.22 | 3.16 | 15.58 | 12.57 | 13.90 |
| Net Income Per Share | 3.98 | 0.65 | 1.92 | 2.57 | 3.60 |
| Tax Burden | 0.79 | 0.80 | 0.88 | 0.86 | 0.84 |
| Interest Burden | 1.00 | -10.10 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.29 | 0.03 | 0.02 | 0.03 | 0.03 |
| Stock-Based Compensation to Revenue | 0.00 | 0.01 | 0.01 | 0.02 | 0.01 |
| Income Quality | 1.29 | 1.37 | 1.86 | 1.61 | 1.09 |
Currency in USD
