Pinnacle Bankshares (PPBN) AI Stock Analysis

• Market Cap: $105.09M
• Dividend Yield: 2.37%
• Average Volume (3M): 716.00
• Price to Earnings (P/E): 9.4
• 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: 0.56
• Price to Book (P/B): 1.40
• Price to Sales (P/S): 2.11
• P/FCF Ratio: 12.86
• Enterprise Value/Market Cap: -0.14
• Enterprise Value/Revenue: -0.25
• Enterprise Value/Gross Profit: -0.33
• Enterprise Value/Ebitda: -1.24
• 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: 77 Outperform
• Price Target: $55.00 ▲(24.94% Upside)
• Action: Reiterated Date: 04/03/26
• Date: Action: Reiterated 04/03/26

The score is driven primarily by strong financial performance (growth, improving margins, and healthy ROE) and attractive valuation (low P/E with a moderate dividend). Technicals are supportive but tempered by overbought momentum signals (high RSI/Stochastic), which adds near-term pullback risk.

Positive Factors

Sustained Revenue Growth

Revenue more than doubled over five years, expanding the bank’s earning base and demonstrating durable franchise growth. That scale provides operating leverage, supports diversified income sources, and strengthens the foundation for consistent profitability and reinvestment over the next several months.

Negative Factors

Uneven Cash Generation

Operating and free cash flow have fluctuated materially, reducing predictability of internal funding. This variability undermines confidence in recurring cash available for dividends, loan growth or capital needs and raises execution risk for medium-term plans despite recent improvement.

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...

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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...

How the Company Makes Money

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Pinnacle Bankshares Financial Statement Overview

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	58.25M	59.05M	55.62M	49.37M	38.21M	33.57M
Gross Profit	45.00M	47.61M	42.58M	40.58M	36.67M	31.61M
EBITDA	11.95M	13.30M	11.16M	13.02M	11.28M	6.46M
Net Income	9.84M	10.77M	9.18M	9.76M	8.24M	4.38M
Balance Sheet
Total Assets	1.04B	1.07B	1.04B	1.02B	969.93M	1.02B
Cash, Cash Equivalents and Short-Term Investments	263.11M	274.96M	0.00	321.42M	277.94M	419.55M
Total Debt	10.00M	0.00	11.27M	10.00M	10.00M	10.00M
Total Liabilities	956.10M	975.82M	965.61M	948.12M	912.92M	953.50M
Stockholders Equity	84.46M	89.41M	78.39M	68.41M	57.01M	62.37M
Cash Flow
Free Cash Flow	0.00	9.71M	11.92M	3.48M	8.26M	2.17M
Operating Cash Flow	0.00	11.08M	14.40M	4.31M	8.66M	3.20M
Investing Cash Flow	0.00	-5.07M	-10.04M	15.41M	-230.56M	-70.97M
Financing Cash Flow	0.00	8.03M	16.26M	31.34M	-40.17M	155.56M

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 46.24, below the 50-day MA of 45.68, and above the 200-day MA of 39.88, indicating a bullish trend. The MACD of 0.47 indicates Negative momentum. The RSI at 67.89 is Neutral, neither overbought nor oversold. The STOCH value of 92.41 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	77 Outperform	$105.09M	9.38	44.90%	2.37%	56.85%	23.28%
SSBI	68 Neutral	$90.60M	11.51	6.89%	―	-0.81%	-129.22%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
AUBN	66 Neutral	$83.88M	12.98	8.27%	4.16%	24.17%	739.42%
UBCP	66 Neutral	$89.98M	10.25	12.01%	6.51%	6.31%	-5.00%
FNWB	46 Neutral	$95.73M	-21.37	-2.76%	2.88%	8.02%	21.36%