Pioneer Bankshares Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Apr '26 Apr 17, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Market Capitalization	36	30	27	22	26	29
Market Cap Growth	50.84%	9.51%	23.75%	-17.21%	-10.07%	28.76%
Last Close Price	35.50	29.24	25.77	20.11	22.60	24.47
PE Ratio	8.93	7.42	10.08	11.50	10.26	8.21
PS Ratio	2.34	1.94	2.08	1.89	2.10	2.17
PB Ratio	0.86	0.71	0.73	0.64	0.82	0.84
P/FCF Ratio	7.16	5.93	7.49	6.41	6.50	7.81
P/OCF Ratio	6.97	5.77	7.34	6.20	6.39	7.51
Debt / Equity Ratio	0.72	0.72	0.93	0.66	0.08	0.08
Debt / FCF Ratio	6.04	6.04	9.58	6.65	0.63	0.69
Net Debt / Equity Ratio	0.40	0.40	0.09	-0.01	-0.41	-1.04
Net Debt / FCF Ratio	3.34	3.34	0.91	-0.13	-3.26	-9.67
Return on Equity (ROE)	10.10%	10.10%	7.50%	5.70%	7.65%	10.55%
Return on Assets (ROA)	1.14%	1.14%	0.80%	0.62%	0.88%	1.29%
Earnings Yield	11.14%	13.47%	9.92%	8.70%	9.75%	12.18%
FCF Yield	13.96%	16.88%	13.36%	15.60%	15.39%	12.81%
Dividend Yield	3.15%	3.62%	3.88%	4.97%	4.29%	3.92%
Payout Ratio	26.67%	26.67%	37.26%	52.16%	37.83%	26.71%
Buyback Yield / Dilution	-0.53%	-0.53%	-0.75%	1.15%	-0.88%	-0.55%
Total Shareholder Return	2.66%	3.10%	3.13%	6.12%	3.41%	3.38%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.