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Pinnacle Bancshares (PCLB) Ratios
Pinnacle Bancshares Ratios
PCLB's free cash flow for Q3 2026 was $1.87M. For the 2026 fiscal year, PCLB's free cash flow was decreased by $-124.47K and operating cash flow was $2.00M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 1.19 | 0.07 | 0.08 | 0.05 | 0.05 |
| Quick Ratio | 1.19 | 0.07 | 0.08 | 0.05 | 0.05 |
| Cash Ratio | 0.68 | 0.06 | 0.07 | 0.04 | 0.04 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.02 | 0.02 |
| Operating Cash Flow Ratio | 1.05 | 0.01 | 0.02 | 0.01 | 0.01 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | $ -336.19M | $ -310.31M | $ -305.97M | $ -310.98M | $ -289.26M |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.02 | 0.02 | 0.05 | 0.01 | 0.01 |
| Debt-to-Equity Ratio | 0.36 | 0.53 | 1.24 | 0.61 | 0.10 |
| Debt-to-Capital Ratio | 0.26 | 0.35 | 0.55 | 0.38 | 0.09 |
| Long-Term Debt-to-Capital Ratio | 0.12 | 0.35 | 0.55 | 0.38 | 0.09 |
| Financial Leverage Ratio | 16.06 | 25.00 | 26.79 | 57.99 | 9.53 |
| Debt Service Coverage Ratio | 1.09 | 1.13 | 2.00 | 6.83 | 9.51 |
| Interest Coverage Ratio | 1.22 | 1.28 | 2.35 | 8.00 | 10.68 |
| Debt to Market Cap | 0.11 | 0.29 | 0.90 | 0.17 | 0.09 |
| Interest Debt Per Share | 13.74 | 12.54 | 20.17 | 4.48 | 4.24 |
| Net Debt to EBITDA | 0.93 | -2.26 | -0.94 | -1.68 | -1.49 |
| Profitability Margins | |||||
| Gross Profit Margin | 76.14% | 76.67% | 84.63% | 94.86% | 96.05% |
| EBIT Margin | 29.17% | 29.87% | 36.09% | 41.16% | 42.20% |
| EBITDA Margin | 31.85% | 32.88% | 38.71% | 44.19% | 45.46% |
| Operating Profit Margin | 29.17% | 29.87% | 36.09% | 41.16% | 42.20% |
| Pretax Profit Margin | 29.17% | 29.87% | 36.09% | 41.16% | 42.20% |
| Net Profit Margin | 23.35% | 23.46% | 28.06% | 32.12% | 34.29% |
| Continuous Operations Profit Margin | 23.35% | 23.46% | 28.06% | 32.12% | 34.29% |
| Net Income Per EBT | 80.07% | 78.55% | 77.76% | 78.05% | 81.26% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.15% | 1.17% | 1.31% | 1.35% | 1.38% |
| Return on Equity (ROE) | 18.50% | 29.33% | 35.04% | 78.50% | 13.16% |
| Return on Capital Employed (ROCE) | 1.45% | 18.84% | 19.30% | 55.78% | 14.10% |
| Return on Invested Capital (ROIC) | 1.16% | 14.80% | 15.01% | 43.54% | 11.46% |
| Return on Tangible Assets | 1.15% | 1.17% | 1.31% | 1.36% | 1.38% |
| Earnings Yield | 14.25% | 16.03% | 25.39% | 22.07% | 12.06% |
| Efficiency Ratios | |||||
| Receivables Turnover | 8.65 | 8.22 | 7.58 | 6.77 | 7.13 |
| Payables Turnover | 5.48 | 4.62 | 1.76 | 6.46 | 6.94 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 2.24 | 2.05 | 1.83 | 1.91 | 1.82 |
| Asset Turnover | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 |
| Working Capital Turnover Ratio | -0.12 | -0.06 | -0.05 | -0.05 | -0.05 |
| Cash Conversion Cycle | -24.46 | -34.57 | -158.96 | -2.59 | -1.41 |
| Days of Sales Outstanding | 42.17 | 44.38 | 48.18 | 53.91 | 51.16 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 66.63 | 78.96 | 207.14 | 56.50 | 52.57 |
| Operating Cycle | 42.17 | 44.38 | 48.18 | 53.91 | 51.16 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 4.74 | 4.32 | 7.11 | 4.96 | 4.28 |
| Free Cash Flow Per Share | 4.65 | 3.99 | 5.00 | 4.60 | 3.35 |
| Dividend Paid and CapEx Coverage Ratio | 4.04 | 3.07 | 2.23 | 3.65 | 2.36 |
| Capital Expenditure Coverage Ratio | 50.42 | 13.10 | 3.38 | 13.88 | 4.59 |
| Operating Cash Flow Coverage Ratio | 0.53 | 0.53 | 0.41 | 1.34 | 1.16 |
| Operating Cash Flow to Sales Ratio | 0.24 | 0.23 | 0.40 | 0.33 | 0.30 |
| Free Cash Flow Yield | 14.22% | 14.31% | 25.79% | 21.20% | 8.37% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 7.01 | 6.23 | 3.94 | 4.53 | 8.29 |
| Price-to-Sales (P/S) Ratio | 1.64 | 1.46 | 1.11 | 1.46 | 2.84 |
| Price-to-Book (P/B) Ratio | 1.30 | 1.83 | 1.38 | 3.56 | 1.09 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 7.03 | 6.99 | 3.88 | 4.72 | 11.95 |
| Price-to-Operating Cash Flow Ratio | 6.90 | 6.46 | 2.73 | 4.38 | 9.34 |
| Price-to-Earnings Growth (PEG) Ratio | 1.75 | -0.68 | 1.35 | -5.47 | 0.16 |
| Enterprise Value Multiple | 6.07 | 2.19 | 1.91 | 1.61 | 4.76 |
| Enterprise Value | 34.70M | 12.48M | 11.83M | 9.97M | 29.60M |
| EV to EBITDA | 6.07 | 2.19 | 1.91 | 1.61 | 4.76 |
| EV to Sales | 1.93 | 0.72 | 0.74 | 0.71 | 2.16 |
| EV to Free Cash Flow | 8.31 | 3.44 | 2.60 | 2.30 | 9.09 |
| EV to Operating Cash Flow | 8.14 | 3.18 | 1.83 | 2.14 | 7.11 |
| Tangible Book Value Per Share | 24.84 | 14.92 | 13.72 | 5.78 | 36.36 |
| Shareholders’ Equity Per Share | 25.18 | 15.26 | 14.06 | 6.11 | 36.68 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.20 | 0.21 | 0.22 | 0.22 | 0.19 |
| Revenue Per Share | 19.95 | 19.08 | 17.55 | 14.92 | 14.07 |
| Net Income Per Share | 4.66 | 4.48 | 4.93 | 4.79 | 4.83 |
| Tax Burden | 0.80 | 0.79 | 0.78 | 0.78 | 0.81 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.31 | 0.02 | 0.00 | 0.00 | 0.00 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 1.02 | 0.97 | 1.44 | 1.03 | 0.89 |
Currency in USD
