Pinnacle Bancshares (PCLB) Price & Analysis

PCLB Stock Chart & Stats

$34.38-$0.47(-1.33%)

At close: Oct 30 4:00 PM EDT

Day’s Range: $34.00 - $34.75
52-Week Range: $31.01 - $44.00
Previous Close: $34.84
Volume: 2
Average Volume (3M): 489
Market Cap: $30.88M
Enterprise Value: $36.28M
Total Cash (Recent Filing): $3.82M
Total Debt (Recent Filing): $8.04M
Price to Earnings (P/E): 7.0
Beta: 0.05
Next Earnings: Apr 28, 2027
EPS Estimate: N/A
Next Dividend Ex-Date: N/A
Dividend Yield: 3.14%

Bulls Say, Bears Say

Bulls Say

Profitability And Revenue Growth

Strong current profitability combined with sharply re-accelerated revenue growth indicates meaningful operating momentum for the community banking franchise. If maintained, this earnings base can support internal reinvestment, strengthen capital formation, and improve the company’s ability to compound results over the next several quarters.

Moderate Leverage And Healthy ROE

The substantial reduction in leverage compared with 2023 improves financial flexibility and reduces balance-sheet risk relative to prior periods. At the same time, healthy ROE suggests capital is being deployed efficiently, supporting the durability of returns and the bank’s capacity to fund growth from its existing capital base.

Positive Free Cash Flow

Positive operating and free cash flow across the reported history provides evidence that the business is converting operations into funds available for reinvestment, capital support, or shareholder distributions. This recurring cash generation is an important buffer for a regional bank and can reduce reliance on external financing.

Bears Say

Margin Compression

Although profitability remains solid, the decline from earlier net-margin peaks shows that earnings have become less resilient as revenue has grown. Persistent margin compression could limit operating leverage, reduce the amount of revenue converted into capital, and make future returns more sensitive to changes in the banking environment.

Weaker Cash Conversion

The lower conversion of net income into free cash flow weakens confidence in the quality and repeatability of recent earnings. The reported zero coverage ratio adds a sustainability concern, because a less dependable cash signal could constrain capital allocation and reduce flexibility if operating conditions soften.

Balance-Sheet Consistency Risk

Volatile equity levels make the capital base less predictable even though leverage is currently moderate. With debt roughly unchanged while assets expanded, investors should monitor whether asset growth is being supported by stable capital and earnings, since weaker consistency could reduce financial flexibility during periods of stress.

Pinnacle Bancshares News

Pinnacle Bancshares reports Q4 EPS $1.15 vs. $1.08 per share last year

Reports Q4 CET1 capital ratio 18.97%. Reports Q4 book value per share $46.48. The company said, “Management believes that the Company has sufficient liquidity through its low loan to deposit

1y agoPCLB

PCLB FAQ

What was Pinnacle Bancshares’s price range in the past 12 months?

Pinnacle Bancshares lowest stock price was $31.01 and its highest was $44.00 in the past 12 months.

What is Pinnacle Bancshares’s market cap?

Pinnacle Bancshares’s market cap is $30.88M.

When is Pinnacle Bancshares’s upcoming earnings report date?

The company’s upcoming earnings report date is not yet available.

How were Pinnacle Bancshares’s earnings last quarter?

Pinnacle Bancshares released its earnings results on Oct 20, 2026. The company reported $1.4 earnings per share for the quarter.

Is Pinnacle Bancshares overvalued?

Not enough analysts have published a price target to calculate whether the price is overvalued.

Does Pinnacle Bancshares pay dividends?

Pinnacle Bancshares pays a Quarterly dividend of $0.27 which represents an annual dividend yield of 3.14%. See more information on Pinnacle Bancshares dividends here

What is Pinnacle Bancshares’s EPS estimate?

Pinnacle Bancshares’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does Pinnacle Bancshares have?

Pinnacle Bancshares has 898,336 shares outstanding.

What happened to Pinnacle Bancshares’s price movement after its last earnings report?

Pinnacle Bancshares reported an EPS of $1.4 in its last earnings report. Following the earnings report the stock price went up 2.003%.

Which hedge fund is a major shareholder of Pinnacle Bancshares?

Currently, no hedge funds are holding shares in PCLB

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Company Description