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Pioneer Bankshares, Inc.
PNBIFinancial ServicesOTCUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $20.25M | 19.7% | $3.99M | $4.98M | N/A |
| 2027 | $22.27M | 19.7% | $4.39M | $5.48M | $4.98M |
| 2028 | $24.50M | 19.7% | $4.83M | $6.03M | $4.98M |
| 2029 | $26.95M | 19.7% | $5.31M | $6.63M | $4.98M |
| 2030 | $29.65M | 19.7% | $5.84M | $7.29M | $4.98M |
| 2031 | $32.61M | 19.7% | $6.42M | $8.02M | $4.98M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $3.98 | 2025-12-31 |
| EPS growth | +48.0% | Forecast years: 5 |
| Future EPS | $28.261 | EPS × (1 + G)^5 |
| Base P/E | 7.4 | P/E |
| Future price | $209.13 | Future EPS × P/E |
| Fair value today | $129.86 | PV @ 10.0% |
| 30% safety price | $90.899 | Margin of safety |
| 50% safety price | $64.928 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $96.812 | $113.06 | $135.21 |
| 10.0% | $80.406 | $92.382 | $108.04 |
| 11.0% | $67.474 | $76.593 | $88.143 |