PNBI
Pioneer Bankshares, Inc.
OTC Markets OTCIDUSDEQUITY
Financial Services
DELAYED
Last price
54.99
■ 0.00 (0.00%)
MARKET · —
Price
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
54.99
Prev close
54.99
Day high
52.05
Day low
49.69
Volume
380
Market cap
$55.13M
P/E (TTM)
13.82
52W range
27.60 – 54.99
Trailing performance
Returnvs SPY
1W
0.00%
+1.4%
1M
+23.57%
+19.8%
3M
+37.48%
+34.4%
6M
+63.66%
+52.6%
YTD
+86.53%
+74.2%
1Y
+96.53%
+76.5%
3Y
+174.95%
+100.8%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on PNBI open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
0
Total on file
Fundamentals
Market cap$55.13M
Enterprise value—
Revenue (TTM)$19.46M
Gross profit$19.46M
EBITDA—
Net income$7.04M
EPS (TTM)$3.98
Free cash flow—
Total cash—
Total debt—
Book value / share$41.63
Shares outstanding1.00M
Float—
Short % of float—
Dividend yield2.04%
Beta (5Y)0.13
Valuation & profitability ratios
Trailing P/E13.82
Forward P/E—
PEG ratio—
Price / sales—
Price / book1.32
EV / revenue—
EV / EBITDA—
Gross margin0.00%
Operating margin63.75%
Profit margin36.17%
Return on equity—
Return on assets—
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $15.20M | $13.09M | $12.27M | $11.97M | — | +16.1% |
| Operating revenue | $15.20M | $13.09M | $12.27M | $11.97M | — | +16.1% |
| Selling, general & admin | $387.00K | $451.00K | $362.00K | $372.00K | — | -14.2% |
| Total operating expense | $9.62M | $9.40M | $9.15M | $9.53M | — | +2.4% |
| Pre-tax income | $5.02M | $3.34M | $2.16M | $3.00M | — | +50.3% |
| Tax provision | $1.04M | $666.00K | $263.00K | $434.00K | — | +56.2% |
| Net income | $3.98M | $2.68M | $1.90M | $2.57M | — | +48.8% |
| Net income to common | $3.98M | $2.68M | $1.90M | $2.57M | — | +48.8% |
| Basic EPS | — | — | 1.92 | 2.57 | 3.60 | — |
| Diluted EPS | — | — | 1.92 | 2.57 | 3.60 | — |
| Basic shares | — | 996.36K | 988.96K | 1.00M | 991.72K | — |
| Diluted shares | — | 996.36K | 988.96K | 1.00M | 991.72K | — |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $12.96M | $30.04M | $22.52M | $15.30M | -56.8% |
| Property, plant & equipment | $3.47M | $3.55M | $3.72M | $3.99M | -2.0% |
| Total assets | $354.63M | $344.92M | $322.13M | $293.30M | +2.8% |
| Total debt | $30.00M | $34.50M | $22.50M | $2.50M | -13.0% |
| Total liabilities | $312.90M | $307.75M | $287.89M | $260.96M | +1.7% |
| Retained earnings | $42.09M | $39.08M | $37.33M | $36.84M | +7.7% |
| Shareholder equity | $41.73M | $37.16M | $34.25M | $32.33M | +12.3% |
| Net tangible assets | $41.73M | $37.16M | $34.25M | $32.33M | +12.3% |
| Shares issued | 1.00M | 999.47K | 991.20K | 1.00M | +0.3% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $3.98M | $2.68M | $1.90M | $2.57M | +48.8% |
| Depreciation & amortisation | $289.00K | $331.00K | $466.00K | $421.00K | -12.7% |
| Stock-based compensation | $183.00K | $189.00K | $213.00K | $205.00K | -3.2% |
| Change in working capital | -$42.00K | -$58.00K | -$310.00K | $281.00K | +27.6% |
| Operating cash flow | $5.13M | $3.68M | $3.52M | $4.12M | +39.3% |
| Capital expenditure | -$139.00K | -$75.00K | -$117.00K | -$69.00K | -85.3% |
| Investing cash flow | -$9.24M | -$22.68M | -$28.96M | -$7.22M | +59.3% |
| Share buybacks | -$94.00K | $0 | -$513.00K | — | — |
| Dividends paid | -$1.06M | -$997.00K | -$989.00K | -$971.00K | -6.5% |
| Financing cash flow | $3.67M | $18.90M | $24.91M | $4.04M | -80.6% |
| Free cash flow | $4.99M | $3.60M | $3.40M | $4.05M | +38.4% |
| End cash position | $2.92M | $3.36M | $3.46M | $4.00M | -13.2% |
| Line item | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $3.82M | $3.90M | $3.76M | $3.72M | $3.29M | -2.1% |
| Operating revenue | $3.82M | $3.90M | $3.76M | $3.72M | $3.29M | -2.1% |
| Total operating expense | $2.37M | $2.43M | $2.38M | $2.44M | $2.06M | -2.4% |
| Pre-tax income | $1.20M | $1.32M | $1.19M | $1.31M | $1.17M | -9.1% |
| Tax provision | $263.00K | $268.00K | $268.00K | $241.00K | $340.00K | -1.9% |
| Net income | $935.00K | $1.05M | $924.00K | $1.07M | $834.00K | -11.0% |
| Net income to common | $935.00K | $1.05M | $924.00K | $1.07M | $834.00K | -11.0% |
| Basic EPS | — | — | — | 1.07 | — | — |
| Diluted EPS | — | — | — | 1.07 | — | — |
| Basic shares | — | — | — | 1.00M | — | — |
| Diluted shares | — | — | — | 1.00M | — | — |
| Line item | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $12.96M | — | — | — | $30.04M | — |
| Property, plant & equipment | $3.47M | — | — | — | $3.55M | — |
| Total assets | $354.63M | $345.65M | $338.10M | $350.86M | $344.92M | +2.6% |
| Total debt | $30.00M | — | — | — | $34.50M | — |
| Total liabilities | $312.90M | $304.96M | $298.55M | $312.27M | $307.75M | +2.6% |
| Retained earnings | $42.09M | — | — | — | $39.08M | — |
| Shareholder equity | $41.73M | $40.69M | $39.55M | $38.59M | $37.16M | +2.6% |
| Net tangible assets | $41.73M | $40.69M | $39.55M | $38.59M | $37.16M | +2.6% |
| Shares issued | 1.00M | 1.00M | 1.00M | 1.00M | 999.47K | +0.1% |
No filings published for this symbol yet.
Newly listed companies often have nothing on file until their first annual report.
Newly listed companies often have nothing on file until their first annual report.
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Mar 2010 | — | 0.36 | — |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | — | — | $0 | — |
| Next quarter | — | — | $0 | — |
| Current year | — | — | $0 | — |
| Next year | — | — | $0 | — |
Analyst targets & ownership
Mean target—
High target—
Low target—
Implied upside—
Analyst count—
ConsensusNONE
Strong buy / Buy— / —
Hold—
Sell / Strong sell— / —
Held by insiders—
Held by institutions—
Institutions holding—
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
54.99
-0.00% from price
SMA 20
49.19
+11.79% from price
SMA 50
45.81
+20.05% from price
SMA 100
41.62
+32.12% from price
SMA 200
36.91
+48.97% from price
EMA 12
53.01
+3.74% from price
EMA 26
49.76
+10.51% from price
EMA 50
46.67
+17.83% from price
RSI (14)
92.1
Overbought
MACD (12,26,9)
3.24
Hist 0.45
ATR (14)
0.92
1.67% of price
Realised vol 30D
78.3%
Annualised
Bollinger upper
62.01
20, 2σ
Bollinger lower
36.36
20, 2σ
50 / 200 cross
Golden
45.81 vs 36.91
Trend bias
Above 200
+48.97%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.10
Less volatile than market
Correlation to SPY
0.03
Largely independent
Realised vol 30D
78.3%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-10.0%
Peak to trough
Max drawdown 5Y
-40.0%
Peak to trough
ATR 14
0.92
1.67% of price
Beta (reported)
0.13
5Y monthly, from filing
Dividends & splits
Forward rate$1.12 / yr
Forward yield2.04%
5-year avg yield3.84%
Payout ratio26.63%
Ex-dividend dateSep 11, 2026
Next pay dateDec 31, 2025
Last split—
Split date—
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.