Pinnacle Bancshares Inc (PCLB)
OTHER OTC:PCLB
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Pinnacle Bancshares
(OTC:PCLB)
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Rating:69Neutral
Price Target:
$42.00
▲(29.43% Upside)
Action:Downgraded
Date:05/04/26
The score is driven primarily by solid financial performance (revenue growth and strong ROE), balanced against weaker recent cash flow momentum and some historical balance sheet volatility. Valuation is a clear positive with a low P/E and a reasonable dividend yield, while technicals are neutral-to-soft with modestly negative momentum and price near short-term moving averages.
Positive Factors
Steady revenue growth
Multi-year top-line expansion indicates consistent franchise demand and successful loan/deposit growth initiatives. Persistent revenue momentum supports sustainable earnings capacity and provides operating leverage that can translate into durable profit recovery even if margins ebb.
Negative Factors
Margin compression
Eroding margins signal pressure on net interest spread or higher operating costs, which reduces earnings leverage from revenue growth. If structural, margin compression can limit the firm's ability to convert rising revenue into proportional net income and constrain long-term profitability.
Read all positive and negative factors
Positive Factors
Negative Factors
Steady revenue growth
Multi-year top-line expansion indicates consistent franchise demand and successful loan/deposit growth initiatives. Persistent revenue momentum supports sustainable earnings capacity and provides operating leverage that can translate into durable profit recovery even if margins ebb.
Read all positive factors
Pinnacle Bancshares (PCLB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$38.21M
Dividend Yield3.32%
Average Volume (3M)73.00
Price to Earnings (P/E)7.8
Beta (1Y)0.09
Revenue Growth3.73%
EPS Growth4.15%
CountryUS
Employees96
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)4.73
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 Cap1.02
Enterprise Value/Revenue2.15
Enterprise Value/Gross Profit2.83
Enterprise Value/Ebitda7.09
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
Pinnacle Bancshares Business Overview & Revenue Model
Company Description
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...
How the Company Makes Money
Pinnacle Bancshares generates revenue primarily through interest income from loans issued to customers and investment securities, as well as fees and commissions from various banking services. Interest income is derived from commercial, residentia...
Pinnacle Bancshares Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
68
Positive
Cash Flow
61
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 18.18M | 17.94M | 17.33M | 15.96M | 14.02M | 13.68M |
| Gross Profit | 13.80M | 13.66M | 13.29M | 13.51M | 13.30M | 13.14M |
| EBITDA | 5.50M | 5.71M | 5.70M | 6.18M | 6.20M | 6.22M |
| Net Income | 4.25M | 4.19M | 4.07M | 4.48M | 4.50M | 4.69M |
Balance Sheet | ||||||
| Total Assets | 386.96M | 363.67M | 346.51M | 342.58M | 332.72M | 339.71M |
| Cash, Cash Equivalents and Short-Term Investments | 3.19M | 2.76M | 20.24M | 21.71M | 13.93M | 12.88M |
| Total Debt | 8.06M | 7.53M | 7.35M | 15.90M | 3.49M | 3.59M |
| Total Liabilities | 364.61M | 341.03M | 332.65M | 329.79M | 326.98M | 304.05M |
| Stockholders Equity | 22.35M | 22.65M | 13.86M | 12.79M | 5.74M | 35.66M |
Cash Flow | ||||||
| Free Cash Flow | 4.16M | 4.18M | 3.63M | 4.55M | 4.33M | 3.26M |
| Operating Cash Flow | 4.58M | 4.26M | 3.93M | 6.46M | 4.66M | 4.16M |
| Investing Cash Flow | -23.08M | -11.03M | -5.95M | -6.61M | -25.22M | -67.15M |
| Financing Cash Flow | 19.18M | 7.12M | 2.24M | 598.83K | 20.57M | 62.64M |
Pinnacle Bancshares Technical Analysis
Neutral
32.45
Price Trends
37.57
Positive
34.96
Positive
33.30
Positive
Market Momentum
0.27
Positive
48.88
Neutral
9.94
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PCLB, the sentiment is Neutral. The current price of 32.45 is below the 20-day moving average (MA) of 39.32, below the 50-day MA of 37.57, and below the 200-day MA of 33.30, indicating a neutral trend. The MACD of 0.27 indicates Positive momentum. The RSI at 48.88 is Neutral, neither overbought nor oversold. The STOCH value of 9.94 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for PCLB.
Pinnacle Bancshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $60.83M | 8.86 | 9.28% | 3.21% | 5.66% | 79.41% | |
77 Outperform | $66.92M | 3.27 | 14.63% | ― | 15.64% | 5.72% | |
69 Neutral | $38.21M | 7.80 | 20.54% | 3.32% | 3.73% | 4.15% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
54 Neutral | $34.11M | 14.96 | 1.71% | ― | 10.18% | ― | |
46 Neutral | $28.55M | -1.15 | -23.19% | 4.10% | -18.73% | -401.58% |
* Financial Sector Average
PCLB
Pinnacle Bancshares
39.25
6.68
20.50%
HFBL
Home Federal Bancorp Of Louisiana
19.75
6.77
52.17%
KFFB
Kentucky First Federal Bancorp
4.66
2.12
83.46%
OPHC
Optimumbank Holdings
5.51
0.87
18.75%
BAFN
BayFirst Financial Corp
6.50
-8.62
-57.01%
MBBC
Marathon Bancorp
14.96
4.91
48.86%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.