OTCPK:PPBN

Stock Analysis Report

Executive Summary

Pinnacle Bankshares Corporation operates as a bank holding company for First National Bank that provides a range of commercial and retail banking products and services in the United States.

Snowflake

Fundamentals

Flawless balance sheet and fair value.

Risks

  • Pinnacle Bankshares is not covered by any analysts.

Similar Companies

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

-0.5%

OTCPK:PPBN

-1.9%

US Banks

-1.9%

US Market


1 Year Return

-6.1%

OTCPK:PPBN

-16.1%

US Banks

-3.3%

US Market

PPBN outperformed the Banks industry which returned -16.1% over the past year.

PPBN underperformed the Market in United States of America which returned -3% over the past year.


Share holder returns

PPBNIndustryMarket
7 Day-0.5%-1.9%-1.9%
30 Day0.9%-11.1%-6.2%
90 Dayn/a-4.9%0.3%
1 Year-4.1%-6.1%-13.7%-16.1%-1.1%-3.3%
3 Year68.0%60.5%37.8%28.4%37.9%28.9%
5 Year92.0%75.5%49.3%33.2%50.8%34.1%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

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

10.28x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Pinnacle Bankshares's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Pinnacle Bankshares's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

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

Pinnacle Bankshares 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 Bankshares, we can't assess if its growth is good value.


Price Based on Value of Assets

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


Next Steps

Future Growth

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

4.5%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

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

Pinnacle Bankshares's earnings are expected to grow by 4.5% yearly, however this is not considered high growth (20% yearly).

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

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

Pinnacle Bankshares'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 Bankshares will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Pinnacle Bankshares performed over the past 5 years?

13.9%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

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

Pinnacle Bankshares's 1-year earnings growth exceeds its 5-year average (35.6% vs 13.9%)

Pinnacle Bankshares's earnings growth has exceeded the US Banks industry average in the past year (35.6% vs 33.1%).


Return on Equity

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


Return on Assets

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


Return on Capital Employed

Unable to establish if Pinnacle Bankshares 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 Bankshares'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

Information is not available.

Information is not available.


Financial Institutions Analysis

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

Pinnacle Bankshares has a sufficient allowance for bad loans.

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

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

Loans at Pinnacle Bankshares are broadly funded by customer deposits.

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


Next Steps

Dividend

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

1.81%

Current Dividend Yield


Dividend Yield and Payments Analysis

Pinnacle Bankshares's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.52%).

Pinnacle Bankshares's dividend is below the markets top 25% of dividend payers in United States of America (3.93%).

Dividends per share have been volatile in the past 10 years (annual drop of over 20%).

Dividends per share have fallen over the past 10 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (6x 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 Bankshares's salary, the management and board of directors tenure and is there insider trading?

8.1yrs

Average management tenure


CEO

Todd Hall (48yo)

8.1yrs

Tenure

US$690,808

Compensation

Mr. Aubrey H. Hall, III, also known as Todd, serves as the Chief Executive Officer and President of First National Bank Of Altavista. Mr. Hall has been the Chief Executive Officer and President at Pinnacle ...


CEO Compensation Analysis

Todd's remuneration is higher than average for companies of similar size in United States of America.

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


Management Age and Tenure

8.1yrs

Average Tenure

The average tenure for the Pinnacle Bankshares management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

7.8yrs

Average Tenure

63yo

Average Age

The tenure for the Pinnacle Bankshares board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Bryan Lemley (47yo)

    Secretary

    • Tenure: 19.6yrs
    • Compensation: US$203.43k
  • Daniel Wheeler

    VP of First National Bank & Commercial Officer of First National Bank

    • Tenure: 0.0yrs
  • Tarry Pribble

    VP of First National Bank & Collection & Recovery Manager of First National Bank

    • Tenure: 0.0yrs
  • Todd Hall (48yo)

    President

    • Tenure: 8.1yrs
    • Compensation: US$690.81k
  • Judith Clements

    Senior VP & Chief Human Resources Officer - First National Bank

    • Tenure: 0.0yrs
  • Thomas Burnett

    Vice President

    • Tenure: 0.0yrs
    • Compensation: US$194.45k
  • Tony Bowling

    Senior VP & COO - First National Bank

    • Tenure: 4.8yrs
  • Pam Adams

    VP of First National Bank & Loan Operations Manager of First National Bank

    • Tenure: 0.0yrs
  • John Tucker

    VP of First National Bank & Investment Consultant of First National Bank

    • Tenure: 0.0yrs
  • Shawn Stone

    VP of First National Bank & Commercial Officer of First National Bank

    • Tenure: 0.0yrs

Board Members

  • James Burton (62yo)

    Chairman of the Board

    • Tenure: 5.6yrs
    • Compensation: US$16.25k
  • Carroll Shelton (68yo)

    Director

    • Tenure: 29.6yrs
    • Compensation: US$14.30k
  • Michael Watson (64yo)

    Vice Chairman of the Board

    • Tenure: 5.6yrs
    • Compensation: US$14.75k
  • Todd Hall (48yo)

    President

    • Tenure: 8.1yrs
    • Compensation: US$690.81k
  • Thomas Hall (69yo)

    Director

    • Tenure: 10.8yrs
    • Compensation: US$16.50k
  • C. Stott (68yo)

    Director

    • Tenure: 9.3yrs
    • Compensation: US$16.70k
  • A. Merryman (64yo)

    Director

    • Tenure: 9.3yrs
    • Compensation: US$15.65k
  • Judson Dalton (39yo)

    Director

    • Tenure: 7.3yrs
    • Compensation: US$11.15k
  • Robert Finch (62yo)

    Director

    • Tenure: 6.3yrs
    • Compensation: US$13.25k
  • Robert Johnson (53yo)

    Director

    • Tenure: 5.3yrs
    • Compensation: US$11.15k

Company Information

Pinnacle Bankshares Corporation's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Pinnacle Bankshares Corporation
  • Ticker: PPBN
  • Exchange: OTCPK
  • Founded: 1908
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$48.092m
  • Shares outstanding: 1.55m
  • Website: https://www.1stnatbk.com

Number of Employees


Location

  • Pinnacle Bankshares Corporation
  • 622 Broad Street
  • Post Office Box 29
  • Altavista
  • Virginia
  • 24517
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
PPBNOTCPK (Pink Sheets LLC)YesCommon StockUSUSDAug 1997

Biography

Pinnacle Bankshares Corporation operates as a bank holding company for First National Bank that provides a range of commercial and retail banking products and services in the United States. The company off ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/25 23:45
End of Day Share Price2019/08/22 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.