Pinnacle Bankshares (PPBN) AI Stock Analysis

• Market Cap: $100.42M
• Dividend Yield: 2.37%
• Average Volume (3M): 716.00
• Price to Earnings (P/E): 9.5
• Beta (1Y): 0.20
• Revenue Growth: 56.85%
• EPS Growth: 23.28%
• Country: US
• Employees: 183
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.27
• Shares Outstanding: 2,171,235
• 10 Day Avg. Volume: 182
• 30 Day Avg. Volume: 716
• PEG Ratio: -1.12
• Price to Book (P/B): 0.88
• Price to Sales (P/S): 1.24
• P/FCF Ratio: 5.79
• Enterprise Value/Market Cap: -0.05
• Enterprise Value/Revenue: -0.08
• Enterprise Value/Gross Profit: -0.11
• Enterprise Value/Ebitda: -0.41
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 78 Outperform
• Price Target: $52.00 ▲(18.13% Upside)
• Action: Reiterated Date: 12/30/25
• Date: Action: Reiterated 12/30/25

PPBN scores well primarily on solid fundamentals (steady growth and conservative balance sheet) and attractive valuation (low P/E with a dividend). Technicals also support the score with a strong uptrend, though momentum is getting close to overbought levels.

Positive Factors

Revenue Growth

Consistent revenue growth indicates effective market penetration and product demand, supporting long-term business expansion and stability.

Profitability

Improved profitability reflects strong cost management and operational efficiency, enhancing the company's ability to reinvest and grow sustainably.

Balance Sheet Health

A strong balance sheet with low leverage provides financial flexibility and reduces risk, supporting long-term strategic initiatives and growth.

Negative Factors

Cash Flow Challenges

Negative free cash flow growth limits the company's ability to reinvest in growth opportunities and may impact financial stability if not addressed.

Operational Efficiency

Suboptimal operational efficiency can hinder profitability and competitiveness, necessitating strategic improvements to enhance margins.

Cash Flow Management

Effective cash flow management is crucial for funding operations and investments, and current challenges may constrain future growth potential.

Pinnacle Bankshares Business Overview & Revenue Model

Company Description

Pinnacle Bankshares Corporation operates as the bank holding company for First National Bank that provides a range of commercial and retail banking products and services. The company accepts checking accounts, savings and time deposits, individual retirement accounts, certificates of deposit, and money market accounts. Its loan products include residential and commercial mortgage loans, home equity loans, consumer installment loans, agricultural loans, investment loans, small business loans, commercial lines of credit, and letters of credit. The company also provides credit cards; insurance products, including property and casualty, life, and health; investment and annuity products; and overdraft protection, merchant bankcard processing, cash management, remote deposit capture, night drop, safe deposit boxes, and notary services, as well as telephone, mobile, and online banking services. It operates eighteen branches including one in the town of Amherst in Amherst County; two in Bedford County; two located in the town of Altavista in Campbell County; three in Campbell County; three in Pittsylvania County; three in the city of Danville; three in the city of Lynchburg; and one in the city of Charlottesville. The company was founded in 1908 and is headquartered in Altavista, Virginia.

How the Company Makes Money

Pinnacle Bankshares generates revenue primarily through interest income from its lending activities, including personal, commercial, and mortgage loans. Additionally, the company earns non-interest income from fees and charges associated with its deposit accounts, credit card services, and other financial products. Key revenue streams also include service charges, trust and investment management fees, and gains on the sale of securities. The company's profitability is influenced by factors such as interest rate fluctuations, loan demand, and economic conditions within its operational regions.

Pinnacle Bankshares Financial Statement Overview

Summary

Financials are solid overall: steady multi-year revenue expansion and conservative leverage with a growing equity base. Offsetting this, 2024 showed margin/earnings softness versus 2023 and cash-flow history has been volatile despite a strong 2024 rebound.

Income Statement

Revenue has expanded steadily over the last several years, with a strong step-up from 2021–2024, and 2024 revenue still up year over year. Profitability remains solid, but margins compressed in 2024 versus 2023 (notably a lower net margin), and earnings dipped modestly despite higher revenue—suggesting less favorable pricing/spread dynamics or higher costs. Overall: good growth and profitability profile, with a recent margin/earnings softness to monitor.

Balance Sheet

Leverage appears conservative for a regional bank, with debt-to-equity consistently low and equity building over time. Returns on equity are healthy in recent years, though down in 2024 versus 2022–2023, indicating slightly reduced profitability on the capital base. Overall balance sheet quality looks sound, with the main watch item being the recent step-down in returns.

Cash Flow

Cash generation improved meaningfully in 2024, with operating cash flow and free cash flow both strong and free cash flow covering a large portion of net income. However, cash flow has been volatile across the period (including negative free cash flow in 2020 and a sharp free-cash-flow decline in 2023), and the provided cash-flow-to-revenue-type coverage metric is unusually low in 2023–2024, pointing to potential variability in cash conversion. Overall: strong latest-year cash performance, but with higher variability than ideal.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	58.25M	55.62M	49.37M	38.21M	33.57M	26.77M
Gross Profit	45.00M	42.58M	40.58M	36.67M	31.61M	24.00M
EBITDA	11.95M	11.16M	13.02M	11.28M	6.46M	5.06M
Net Income	9.84M	9.18M	9.76M	8.24M	4.38M	3.06M
Balance Sheet
Total Assets	1.04B	1.04B	1.02B	969.93M	1.02B	860.51M
Cash, Cash Equivalents and Short-Term Investments	263.11M	0.00	321.42M	277.94M	419.55M	257.31M
Total Debt	10.00M	11.27M	10.00M	10.00M	10.00M	10.00M
Total Liabilities	956.10M	965.61M	948.12M	912.92M	953.50M	802.18M
Stockholders Equity	84.46M	78.39M	68.41M	57.01M	62.37M	58.33M
Cash Flow
Free Cash Flow	0.00	11.92M	3.48M	8.26M	2.17M	-216.00K
Operating Cash Flow	0.00	14.40M	4.31M	8.66M	3.20M	2.05M
Investing Cash Flow	0.00	-10.04M	15.41M	-230.56M	-70.97M	48.14M
Financing Cash Flow	0.00	16.26M	31.34M	-40.17M	155.56M	127.73M

Pinnacle Bankshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 44.02
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PPBN, the sentiment is Positive. The current price of 44.02 is below the 20-day moving average (MA) of 44.72, below the 50-day MA of 44.61, and above the 200-day MA of 37.74, indicating a bullish trend. The MACD of 0.43 indicates Negative momentum. The RSI at 68.91 is Neutral, neither overbought nor oversold. The STOCH value of 87.93 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PPBN.

Pinnacle Bankshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PPBN	78 Outperform	$100.42M	9.54	13.27%	2.37%	56.85%	23.28%
AUBN	69 Neutral	$89.93M	12.40	8.22%	4.16%	24.17%	739.42%
UBCP	69 Neutral	$83.96M	10.30	10.91%	6.51%	6.31%	-5.00%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
IROQ	62 Neutral	$93.00M	17.37	6.20%	1.48%	1.93%	157.35%
FNWB	46 Neutral	$96.23M	-20.80	-4.68%	2.88%	8.02%	21.36%
SSBI	45 Neutral	$90.27M	13.61	-1.41%	―	-0.81%	-129.22%