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Pinnacle Bancshares Inc (PCLB)
OTHER OTC:PCLB
US Market
PCLB
Pinnacle Bancshares
RESEARCH TOOLSreports
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Pinnacle Bancshares (PCLB) Ratios

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Pinnacle Bancshares Ratios

PCLB's free cash flow for Q4 2025 was $0.76. For the 2025 fiscal year, PCLB's free cash flow was decreased by $ and operating cash flow was $0.29. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.05 0.05 0.07 0.08 0.05
Quick Ratio
 0.05 0.05 0.07 0.08 0.05
Cash Ratio
 0.03 0.03 0.06 0.07 0.04
Solvency Ratio
 0.01 0.01 0.01 0.01 0.02
Operating Cash Flow Ratio
 0.05 0.05 0.01 0.02 0.01
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
$ -336.19M$ -336.19M$ -310.31M$ -305.97M$ -310.98M
Leverage Ratios
Debt-to-Assets Ratio
 0.02 0.02 0.02 0.05 0.01
Debt-to-Equity Ratio
 0.33 0.33 0.53 1.24 0.61
Debt-to-Capital Ratio
 0.25 0.25 0.35 0.55 0.38
Long-Term Debt-to-Capital Ratio
 0.24 0.24 0.35 0.55 0.38
Financial Leverage Ratio
 16.06 16.06 25.00 26.79 57.99
Debt Service Coverage Ratio
 1.03 1.09 1.13 2.00 6.83
Interest Coverage Ratio
 1.22 1.22 1.28 2.35 8.00
Debt to Market Cap
 0.21 0.25 0.29 0.90 0.17
Interest Debt Per Share
 13.14 13.13 12.54 20.17 4.48
Net Debt to EBITDA
 0.87 0.83 -2.26 -0.94 -1.68
Profitability Margins
Gross Profit Margin
76.14%76.14%76.67%84.63%94.86%
EBIT Margin
29.17%29.17%29.87%36.09%41.16%
EBITDA Margin
30.49%31.85%32.88%38.71%44.19%
Operating Profit Margin
29.17%29.17%29.87%36.09%41.16%
Pretax Profit Margin
29.17%29.17%29.87%36.09%41.16%
Net Profit Margin
23.35%23.35%23.46%28.06%32.12%
Continuous Operations Profit Margin
23.35%23.35%23.46%28.06%32.12%
Net Income Per EBT
80.07%80.07%78.55%77.76%78.05%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.15%1.15%1.17%1.31%1.35%
Return on Equity (ROE)
21.63%18.50%29.33%35.04%78.50%
Return on Capital Employed (ROCE)
1.93%1.93%18.84%19.30%55.78%
Return on Invested Capital (ROIC)
1.54%1.54%14.80%15.01%43.54%
Return on Tangible Assets
1.15%1.15%1.17%1.31%1.36%
Earnings Yield
12.06%14.25%16.03%25.39%22.07%
Efficiency Ratios
Receivables Turnover
 8.65 8.65 8.22 7.58 6.77
Payables Turnover
 0.00 0.00 4.62 1.76 6.46
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 2.24 2.24 2.05 1.83 1.91
Asset Turnover
 0.05 0.05 0.05 0.05 0.04
Working Capital Turnover Ratio
 -0.09 -0.09 -0.06 -0.05 -0.05
Cash Conversion Cycle
 42.17 42.17 -34.57 -158.96 -2.59
Days of Sales Outstanding
 42.17 42.17 44.38 48.18 53.91
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 78.96 207.14 56.50
Operating Cycle
 42.17 42.17 44.38 48.18 53.91
Cash Flow Ratios
Operating Cash Flow Per Share
 4.75 4.74 4.32 7.11 4.96
Free Cash Flow Per Share
 4.65 4.65 3.99 5.00 4.60
CapEx Per Share
 0.09 0.09 0.33 2.10 0.36
Free Cash Flow to Operating Cash Flow
 0.98 0.98 0.92 0.70 0.93
Dividend Paid and CapEx Coverage Ratio
 4.04 4.04 3.07 2.23 3.65
Capital Expenditure Coverage Ratio
 50.42 50.42 13.10 3.38 13.88
Operating Cash Flow Coverage Ratio
 0.57 0.57 0.53 0.41 1.34
Operating Cash Flow to Sales Ratio
 0.24 0.24 0.23 0.40 0.33
Free Cash Flow Yield
12.02%14.22%14.31%25.79%21.20%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 8.29 7.02 6.24 3.94 4.53
Price-to-Sales (P/S) Ratio
 1.94 1.64 1.46 1.11 1.46
Price-to-Book (P/B) Ratio
 1.53 1.30 1.83 1.38 3.56
Price-to-Free Cash Flow (P/FCF) Ratio
 8.32 7.03 6.99 3.88 4.72
Price-to-Operating Cash Flow Ratio
 8.15 6.90 6.46 2.73 4.38
Price-to-Earnings Growth (PEG) Ratio
 2.06 1.75 -0.68 1.35 -5.47
Price-to-Fair Value
 1.53 1.30 1.83 1.38 3.56
Enterprise Value Multiple
 7.22 5.98 2.19 1.91 1.61
Enterprise Value
 39.51M 34.16M 12.48M 11.83M 9.97M
EV to EBITDA
 7.22 5.98 2.19 1.91 1.61
EV to Sales
 2.20 1.90 0.72 0.74 0.71
EV to Free Cash Flow
 9.46 8.17 3.44 2.60 2.30
EV to Operating Cash Flow
 9.27 8.01 3.18 1.83 2.14
Tangible Book Value Per Share
 24.87 24.84 14.92 13.72 5.78
Shareholders’ Equity Per Share
 25.21 25.18 15.26 14.06 6.11
Tax and Other Ratios
Effective Tax Rate
 0.20 0.20 0.21 0.22 0.22
Revenue Per Share
 19.97 19.95 19.08 17.55 14.92
Net Income Per Share
 4.66 4.66 4.48 4.93 4.79
Tax Burden
 0.80 0.80 0.79 0.78 0.78
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.09 0.31 0.02 0.00 0.00
Stock-Based Compensation to Revenue
 0.00 0.00 0.00 0.00 0.00
Income Quality
 1.02 1.02 0.97 1.44 1.03
Currency in USD