OTCPK:PCLB

Stock Analysis Report

Executive Summary

Pinnacle Bancshares, Inc. operates as the bank holding company for Pinnacle Bank that provides various banking products and services in Alabama.

Snowflake

Fundamentals

Flawless balance sheet average dividend payer.

Risks

  • Pinnacle Bancshares is not covered by any analysts.

Share Price & News

How has Pinnacle Bancshares's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0.07%

OTCPK:PCLB

-2.6%

US Banks

-1.0%

US Market


1 Year Return

16.2%

OTCPK:PCLB

-14.2%

US Banks

-0.4%

US Market

PCLB outperformed the Banks industry which returned -14.2% over the past year.

PCLB outperformed the Market in United States of America which returned -0.4% over the past year.


Share holder returns

PCLBIndustryMarket
7 Day0.07%-2.6%-1.0%
30 Day0.6%-6.3%-3.3%
90 Day4.3%-3.5%0.8%
1 Year18.9%16.2%-11.8%-14.2%1.9%-0.4%
3 Year45.6%36.7%42.2%32.4%39.4%30.4%
5 Year108.4%86.6%53.3%36.7%54.2%37.1%

Price Volatility Vs. Market

How volatile is Pinnacle Bancshares's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Pinnacle Bancshares undervalued based on future cash flows and its price relative to the stock market?

11%

Discount to future cash flow value


Intrinsic Value Based on Future Cash Flows

Pinnacle Bancshares's share price is below the future cash flow value, but not at a moderate discount (< 20%).

Pinnacle Bancshares's share price is below the future cash flow value, but not at a substantial discount (< 40%).


Price Based on Earnings

Pinnacle Bancshares is good value based on earnings compared to the US Banks industry average.

Pinnacle Bancshares is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Pinnacle Bancshares, we can't assess if its growth is good value.


Price Based on Value of Assets

Pinnacle Bancshares is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Pinnacle Bancshares expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

6.9%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Pinnacle Bancshares is high growth as no revenue estimate data is available.

Pinnacle Bancshares's earnings are expected to grow by 6.9% yearly, however this is not considered high growth (20% yearly).

Unable to compare Pinnacle Bancshares's revenue growth to the United States of America market average as no estimate data is available.

Pinnacle Bancshares's earnings growth is positive but not above the United States of America market average.

Pinnacle Bancshares's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Pinnacle Bancshares will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Pinnacle Bancshares performed over the past 5 years?

5.2%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Pinnacle Bancshares's year on year earnings growth rate has been positive over the past 5 years.

Pinnacle Bancshares's 1-year earnings growth exceeds its 5-year average (12.1% vs 5.2%)

Pinnacle Bancshares's earnings growth has not exceeded the US Banks industry average in the past year (12.1% vs 33.2%).


Return on Equity

Pinnacle Bancshares has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Pinnacle Bancshares used its assets more efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Pinnacle Bancshares improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Pinnacle Bancshares's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Pinnacle Bancshares has an acceptable proportion of non-loan assets held.

Pinnacle Bancshares has a sufficient allowance for bad loans.

Pinnacle Bancshares's liabilities are made up of primarily low risk sources of funding.

Pinnacle Bancshares's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Pinnacle Bancshares are broadly funded by customer deposits.

Pinnacle Bancshares has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Pinnacle Bancshares's current dividend yield, its reliability and sustainability?

2.70%

Current Dividend Yield


Dividend Yield and Payments Analysis

Pinnacle Bancshares's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

Pinnacle Bancshares's dividend is below the markets top 25% of dividend payers in United States of America (3.84%).

Dividends per share have been stable in the past 10 years.

Dividends per share have increased over the past 10 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (4.4x coverage).


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Pinnacle Bancshares's salary, the management and board of directors tenure and is there insider trading?

19.9yrs

Average board tenure


CEO

Bob Nolen (60yo)

25.6yrs

Tenure

US$264,348

Compensation

Mr. Robert B. Nolen, Jr. has been President and Chief Executive Officer of Pinnacle Bancshares Inc., since 1994 and also has been its Principal Financial Officer since 1987. Mr. Nolen serves as President a ...


CEO Compensation Analysis

Insufficient data for Bob to establish whether their remuneration is reasonable compared to companies of similar size in United States of America.

Bob's compensation has been consistent with company performance over the past year, both up more than 20%.


Board Age and Tenure

19.9yrs

Average Tenure

69yo

Average Age

The average tenure for the Pinnacle Bancshares board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Bob Nolen (60yo)

    President

    • Tenure: 25.6yrs
    • Compensation: $264.35k
  • Mary Gunter (65yo)

    VP, Corporate Secretary

  • Pam Elliott

    Haleyville Regional President of Pinnacle Bank

  • Edward Davidson (63yo)

    Senior Lender of Pinnacle Bank

  • Joe Adams (46yo)

    Treasurer

    • Compensation: $160.44k

Board Members

  • O. Brown (74yo)

    Director

    • Tenure: 30.6yrs
    • Compensation: $17.40k
  • Robin Allen (55yo)

    Director

    • Tenure: 2.6yrs
    • Compensation: $6.00k
  • William Humphries (71yo)

    Director

    • Tenure: 12.0yrs
    • Compensation: $12.80k
  • Al Simmons (71yo)

    Director

    • Tenure: 40.6yrs
    • Compensation: $12.60k
  • Bob Nolen (60yo)

    President

    • Tenure: 25.6yrs
    • Compensation: $264.35k
  • Edward Jackson (67yo)

    Director

    • Tenure: 2.6yrs
    • Compensation: $12.60k
  • David Kilgore (43yo)

    Director and Director of Pinnacle Bank

    • Tenure: 9.6yrs
    • Compensation: $14.44k
  • Sam Murphy (71yo)

    Director

    • Tenure: 38.6yrs
    • Compensation: $13.00k
  • James Cannon (75yo)

    Chairman of the Board

    • Tenure: 14.3yrs
    • Compensation: $30.00k
  • Greg Batchelor (63yo)

    Director

    • Tenure: 36.6yrs
    • Compensation: $14.20k

Company Information

Pinnacle Bancshares, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Pinnacle Bancshares, Inc.
  • Ticker: PCLB
  • Exchange: OTCPK
  • Founded: 1997
  • Industry: regional banks
  • Sector: banks
  • Market Cap: US$29.097m
  • Shares outstanding: 1.03m
  • Website: Click here

Location

  • Pinnacle Bancshares, Inc.
  • 1811 Second Avenue
  • Jasper
  • Alabama
  • 35501
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
PCLBOTCPK (Pink Sheets LLC)YesCommon StockUSUSDDec 1986

Biography

Pinnacle Bancshares, Inc. operates as the bank holding company for Pinnacle Bank that provides various banking products and services in Alabama. The company offers savings accounts, and demand and time dep ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/17 23:42
End of Day Share Price2019/08/16 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.