Pinnacle Bancshares Inc (PCLB)

OTHER OTC:PCLB

PCLB

Pinnacle Bancshares

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Pinnacle Bancshares (PCLB) Price & Analysis

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PCLB Stock Chart & Stats

$32.45

$0.00(0.00%)

At close: Jan 02 4:00 PM EST

$32.45

$0.00(0.00%)

Day’s Range― - ―

52-Week Range$30.54 - $43.95

Previous CloseN/A

Volume2.00

Average Volume (3M)73.00

Market Cap

$37.66M

Enterprise Value$39.51M

Total Cash (Recent Filing)$2.76M

Total Debt (Recent Filing)$7.53M

Price to Earnings (P/E)7.0

Beta0.09

Next EarningsN/A

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield3.32%

Share Statistics

EPS (TTM)N/A

Shares Outstanding973,505

10 Day Avg. Volume50

30 Day Avg. Volume73

Financial Highlights & Ratios

PEG Ratio1.75

Price to Book (P/B)1.30

Price to Sales (P/S)1.64

P/FCF Ratio7.03

Enterprise Value/Market Cap1.05

Enterprise Value/Revenue2.20

Enterprise Value/Gross Profit2.89

Enterprise Value/Ebitda7.22

Forecast

1Y Price TargetN/A

Price Target UpsideN/A

Rating ConsensusN/A

Number of Analyst Covering0

EPS Forecast (FY)N/A

Revenue Forecast (FY)N/A

Bulls Say, Bears Say

Bulls Say

Improved LeverageMaterial reduction in debt-to-equity strengthens the bank's balance sheet, lowering financial risk and interest expense sensitivity. This durable improvement increases capacity for lending, cushions losses in stress, and supports strategic flexibility for capital deployment and growth over the medium term.

Strong Revenue GrowthSustained revenue growth, including a large 2025 increase, demonstrates expanding core income generation and higher scale. Durable top-line expansion underpins margin recovery potential, stronger internal capital generation, and the ability to invest in infrastructure or market share over the next several quarters.

Healthy ProfitabilitySolid ROE and high net margins in 2025 indicate the franchise earns attractive returns on capital. This persistent profitability supports reinvestment, dividend capacity, and resilience to cyclical shocks, making earnings a reliable source for funding growth and strengthening capital over time.

Bears Say

Margin CompressionDeclining net margins versus prior years suggests pressure on spreads or rising expenses that can erode long-term profitability. If structural, this reduces earnings power and free cash generation, forcing tougher trade-offs between growth, capital retention, and shareholder returns.

Cash Flow VolatilityIrregular operating and free cash flow undermines predictability of internal funding for loans and capital needs. Persistent variability can constrain balance sheet management, increase reliance on external funding in tight periods, and reduce the durability of dividend or buyback policies.

Volatile ROE & CapitalInconsistent ROE and fluctuating capital metrics complicate long-term planning and investor expectations. Durably unstable earnings or sporadic capital changes may necessitate future equity raises or limit surplus capital available for growth and distributions, weighing on strategic consistency.

PCLB FAQ

What was Pinnacle Bancshares Inc’s price range in the past 12 months?

Pinnacle Bancshares Inc lowest stock price was $30.54 and its highest was $43.95 in the past 12 months.

What is Pinnacle Bancshares Inc’s market cap?

Pinnacle Bancshares Inc’s market cap is $37.66M.

When is Pinnacle Bancshares Inc’s upcoming earnings report date?

The company’s upcoming earnings report date is not yet available.

How were Pinnacle Bancshares Inc’s earnings last quarter?

Currently, no data Available

Is Pinnacle Bancshares Inc overvalued?

According to Wall Street analysts Pinnacle Bancshares Inc’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does Pinnacle Bancshares Inc pay dividends?

Pinnacle Bancshares Inc pays a Quarterly dividend of $0.27 which represents an annual dividend yield of 3.32%. See more information on Pinnacle Bancshares Inc dividends here

What is Pinnacle Bancshares Inc’s EPS estimate?

Pinnacle Bancshares Inc’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does Pinnacle Bancshares Inc have?

Pinnacle Bancshares Inc has 973,505 shares outstanding.

What happened to Pinnacle Bancshares Inc’s price movement after its last earnings report?

Currently, no data Available

Which hedge fund is a major shareholder of Pinnacle Bancshares Inc?

Currently, no hedge funds are holding shares in PCLB

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Pinnacle Bancshares Stock Smart Score

Neutral

Technicals

Fundamentals

Return on Equity

21.63%

Trailing 12-Months

Asset Growth

4.63%

Trailing 12-Months

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Company Description

Pinnacle Bancshares Inc

Pinnacle Bancshares (PCLB) is a financial institution that operates primarily in the banking sector, providing a range of banking services to individuals, businesses, and communities. The company offers traditional banking products such as savings and checking accounts, loans, mortgages, and investment services. With a focus on community banking, Pinnacle Bancshares aims to serve its local markets by fostering relationships and understanding the financial needs of its clients.