PCLB Stock Overview

Operates as the bank holding company for Pinnacle Bank that provides various banking products and services. More details

PCLB fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	3/6
Financial Health	4/6
Dividends	4/6

Rewards

Trading at 79.5% below our estimate of its fair value

Pays a reliable dividend of 3.87%

Risk Analysis

Shares are highly illiquid

Does not have a meaningful market cap ($25M)

My Notes

Capture your thoughts, links and company narrative

Pinnacle Bancshares, Inc. Competitors

Farmers Bank of Appomattox

OTCPK:FBPA

US$24.9m

Pioneer Bankshares

OTCPK:PNBI

US$27.0m

IBW Financial

OTCPK:IBWC

US$27.1m

Quaint Oak Bancorp

OTCPK:QNTO

US$28.3m

Price History & Performance

Summary of share price highs, lows and changes for Pinnacle Bancshares
Historical stock prices
Current Share Price	US$27.92
52 Week High	US$32.70
52 Week Low	US$20.34
Beta	0.38
1 Month Change	-2.04%
3 Month Change	12.81%
1 Year Change	43.92%
3 Year Change	-26.53%
5 Year Change	-6.93%
Change since IPO	419.44%

Recent updates

Shareholder Returns

	PCLB	US Banks	US Market
7D	0%	-3.4%	-2.2%
1Y	43.9%	29.3%	23.9%

Return vs Industry: PCLB exceeded the US Banks industry which returned 29.1% over the past year.

Return vs Market: PCLB exceeded the US Market which returned 23.4% over the past year.

Price Volatility

Is PCLB's price volatile compared to industry and market?
PCLB volatility
PCLB Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.0%
10% least volatile stocks in US Market	3.1%

Stable Share Price: PCLB's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine PCLB's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1996	n/a	Bob Nolen	www.pinnaclebanc.com

Pinnacle Bancshares, Inc. operates as the bank holding company for Pinnacle Bank that provides various banking products and services. The company provides checking accounts, savings accounts, and demand and time deposits. It also offers personal lending for automobile, boat, jet ski, motor home, travel trailers, manufactured home, tractor, ATV, personal line of credit, and others; mortgage products, such as residential purchase and refinance, investment property, consumer construction, consumer 2nd mortgage, veterans administration loans, federal housing administration loans, land loans, home equity line of credit, and home improvement/renovation; commercial lending products, including purchase, construction, and refinance of residential rental property and commercial real estate, as well as residential rental property improvements, land acquisition, investment, and development; commercial construction; and SBA lending.

Pinnacle Bancshares, Inc. Fundamentals Summary

How do Pinnacle Bancshares's earnings and revenue compare to its market cap?
PCLB fundamental statistics
Market cap	US$25.29m
Earnings (TTM)	US$4.01m
Revenue (TTM)	US$13.24m

6.3x

P/E Ratio

1.3x

P/B Ratio

Is PCLB overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
PCLB income statement (TTM)
Revenue	US$13.24m
Cost of Revenue	US$0
Gross Profit	US$13.24m
Other Expenses	US$9.24m
Earnings	US$4.01m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	4.43
Gross Margin	100.00%
Net Profit Margin	30.27%
Debt/Equity Ratio	60.6%

How did PCLB perform over the long term?

See historical performance and comparison

Dividends

3.9%

Current Dividend Yield

24%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/23 16:33
End of Day Share Price	2024/12/06 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Pinnacle Bancshares, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution