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Pioneer Bankshares Inc (PNBI)
OTHER OTC:PNBI
US Market
PNBI
Pioneer Bankshares
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Pioneer Bankshares (PNBI) Ratios

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Pioneer Bankshares Ratios

PNBI's free cash flow for Q1 2026 was $0.77. For the 2026 fiscal year, PNBI's free cash flow was decreased by $ and operating cash flow was $0.32. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 56.98 0.11 0.02 15.72
Quick Ratio
 0.00 56.98 0.11 0.02 20.80
Cash Ratio
 0.00 34.73 0.11 0.02 14.40
Solvency Ratio
 -0.18 0.01 <0.01 <0.01 0.01
Operating Cash Flow Ratio
 0.00 61.02 0.01 0.02 3.88
Short-Term Operating Cash Flow Coverage
 0.00 61.02 108.21 39.99 0.00
Net Current Asset Value
$ 41.73M$ -308.25M$ -276.54M$ -283.89M$ -244.26M
Leverage Ratios
Debt-to-Assets Ratio
 0.00 0.08 0.10 0.07 <0.01
Debt-to-Equity Ratio
 0.00 0.72 0.93 0.66 0.08
Debt-to-Capital Ratio
 0.00 0.42 0.48 0.40 0.07
Long-Term Debt-to-Capital Ratio
 0.00 0.42 0.48 0.40 0.07
Financial Leverage Ratio
 0.00 8.50 9.28 9.41 9.07
Debt Service Coverage Ratio
 1.37 0.76 0.46 0.73 4.97
Interest Coverage Ratio
 1.66 0.91 0.57 0.69 4.99
Debt to Market Cap
 0.00 1.02 0.31 1.04 0.10
Interest Debt Per Share
 5.31 35.59 9.90 25.93 3.10
Net Debt to EBITDA
 0.00 5.12 1.21 7.05 -3.74
Profitability Margins
Gross Profit Margin
77.66%71.76%100.00%79.59%95.22%
EBIT Margin
37.16%24.80%-2.53%14.01%23.87%
EBITDA Margin
38.37%26.23%28.06%17.03%27.22%
Operating Profit Margin
37.16%24.80%28.17%14.01%23.87%
Pretax Profit Margin
37.16%24.80%25.53%14.01%23.87%
Net Profit Margin
29.41%19.66%20.44%12.30%20.42%
Continuous Operations Profit Margin
29.41%19.66%20.44%12.30%20.42%
Net Income Per EBT
79.13%79.29%80.07%87.82%85.54%
EBT Per EBIT
100.00%100.00%90.64%100.00%100.00%
Return on Assets (ROA)
0.00%1.12%0.78%0.59%0.88%
Return on Equity (ROE)
16.86%9.54%7.20%5.54%7.94%
Return on Capital Employed (ROCE)
0.00%1.42%5.03%1.93%1.03%
Return on Invested Capital (ROIC)
0.00%1.12%4.03%2.06%0.88%
Return on Tangible Assets
0.00%1.12%0.78%0.59%0.88%
Earnings Yield
13.91%13.49%2.39%8.71%9.87%
Efficiency Ratios
Receivables Turnover
 0.00 14.98 11.21 14.51 13.52
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 -0.11
Fixed Asset Turnover
 0.00 5.64 3.66 4.02 3.11
Asset Turnover
 0.00 0.06 0.04 0.05 0.04
Working Capital Turnover Ratio
 -0.18 -0.17 -0.06 -0.16 -0.13
Cash Conversion Cycle
 0.00 24.37 32.57 25.15 -3.25K
Days of Sales Outstanding
 0.00 24.37 32.57 25.15 27.00
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 -3.28K
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 0.00 24.37 32.57 25.15 -3.25K
Cash Flow Ratios
Operating Cash Flow Per Share
 0.00 5.12 0.89 3.56 4.12
Free Cash Flow Per Share
 0.00 4.98 0.87 3.44 4.05
CapEx Per Share
 0.00 0.14 0.02 0.12 0.07
Free Cash Flow to Operating Cash Flow
 0.00 0.97 0.98 0.97 0.98
Dividend Paid and CapEx Coverage Ratio
 0.00 4.27 3.43 3.18 3.96
Capital Expenditure Coverage Ratio
 0.00 36.88 49.05 30.08 59.75
Operating Cash Flow Coverage Ratio
 0.00 0.17 0.11 0.16 1.65
Operating Cash Flow to Sales Ratio
 0.00 0.25 0.28 0.23 0.33
Free Cash Flow Yield
0.00%16.89%3.22%15.64%15.59%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 7.16 7.41 10.04 11.48 10.13
Price-to-Sales (P/S) Ratio
 2.11 1.46 8.55 1.41 2.07
Price-to-Book (P/B) Ratio
 1.21 0.71 3.01 0.64 0.80
Price-to-Free Cash Flow (P/FCF) Ratio
 0.00 5.92 31.05 6.40 6.42
Price-to-Operating Cash Flow Ratio
 0.00 5.76 30.42 6.18 6.31
Price-to-Earnings Growth (PEG) Ratio
 0.04 0.15 0.25 -0.45 -0.35
Enterprise Value Multiple
 5.49 10.68 31.68 15.34 3.86
Enterprise Value
 50.38M 56.73M 116.36M 40.26M 13.21M
EV to EBITDA
 5.49 10.68 31.68 15.34 3.86
EV to Sales
 2.11 2.80 8.89 2.61 1.05
EV to Free Cash Flow
 0.00 11.38 32.29 11.83 3.26
EV to Operating Cash Flow
 0.00 11.07 31.63 11.44 3.20
Tangible Book Value Per Share
 41.45 41.66 8.88 34.27 31.96
Shareholders’ Equity Per Share
 41.45 41.66 8.97 34.63 32.32
Tax and Other Ratios
Effective Tax Rate
 0.21 0.21 0.20 0.12 0.14
Revenue Per Share
 23.77 20.22 3.16 15.58 12.57
Net Income Per Share
 6.99 3.98 0.65 1.92 2.57
Tax Burden
 0.79 0.79 0.80 0.88 0.86
Interest Burden
 1.00 1.00 -10.10 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.25 0.29 0.03 0.02 0.03
Stock-Based Compensation to Revenue
 <0.01 0.00 0.01 0.01 0.02
Income Quality
 0.00 1.29 1.37 1.86 1.61
Currency in USD