Want to see PCLB full AI Analyst Report?
Top Page
Pinnacle Bancshares
(OTC:PCLB)
Select Model
Select Model
Rating:75Outperform
Price Target:
$46.00
▲(41.76% Upside)
Action:Upgraded
Date:07/30/26
The score is driven primarily by solid financial performance (strong profitability and improved leverage, partially offset by choppy/weak recent cash flow stability) and attractive valuation (low P/E with a moderate dividend yield). Technicals add a supportive backdrop as the stock trades above key longer-term moving averages, though near-term momentum looks more neutral and key indicators were not provided.
Positive Factors
Improved Capital Structure
Lower leverage and a materially expanded equity base reduce financial fragility and increase capacity for lending or absorbing losses. A ~0.36 D/E and ~19% ROE indicate the bank can generate attractive returns while operating with a more conservative, sustainable capital structure over the medium term.
Negative Factors
Volatile Cash Flow Trends
Sharp swings in FCF and inconsistent operating cash flow reduce predictability of internal funding for lending, dividends and reserves. Over a multi-month horizon, this volatility raises the likelihood of reliance on external funding or capital moves if cash generation does not stabilize.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved Capital Structure
Lower leverage and a materially expanded equity base reduce financial fragility and increase capacity for lending or absorbing losses. A ~0.36 D/E and ~19% ROE indicate the bank can generate attractive returns while operating with a more conservative, sustainable capital structure over the medium term.
Read all positive factors
Pinnacle Bancshares (PCLB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$40.65M
Dividend Yield2.56%
Average Volume (3M)73.00
Price to Earnings (P/E)9.0
Beta (1Y)0.07
Revenue Growth3.90%
EPS Growth5.46%
CountryUS
Employees143
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)N/A
Shares Outstanding973,505
10 Day Avg. Volume50
30 Day Avg. Volume73
Financial Highlights & Ratios
PEG Ratio1.75
Price to Book (P/B)1.30
Price to Sales (P/S)1.64
P/FCF Ratio7.03
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Pinnacle Bancshares Business Overview & Revenue Model
Company Description
Pinnacle Bancshares, Inc. through its subsidiary Pinnacle Bank provides various banking products and services. The company provides checking accounts, club, certificate of deposit, and savings accounts. It also offers personal lending, mortgage, c...
How the Company Makes Money
null...
Pinnacle Bancshares Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
61
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 18.30M | 17.94M | 17.33M | 15.96M | 14.02M | 13.68M |
| Gross Profit | 13.75M | 13.66M | 13.29M | 13.51M | 13.30M | 13.14M |
| EBITDA | 5.58M | 5.71M | 5.70M | 6.18M | 6.20M | 6.22M |
| Net Income | 4.29M | 4.19M | 4.07M | 4.48M | 4.50M | 4.69M |
Balance Sheet | ||||||
| Total Assets | 385.42M | 363.67M | 346.51M | 342.58M | 332.72M | 339.71M |
| Cash, Cash Equivalents and Short-Term Investments | 3.12M | 2.76M | 20.24M | 21.71M | 13.93M | 12.88M |
| Total Debt | 8.05M | 8.07M | 7.35M | 15.90M | 3.49M | 3.59M |
| Total Liabilities | 361.42M | 341.03M | 332.65M | 329.79M | 326.98M | 304.05M |
| Stockholders Equity | 24.00M | 22.65M | 13.86M | 12.79M | 5.74M | 35.66M |
Cash Flow | ||||||
| Free Cash Flow | 3.73M | 4.18M | 3.63M | 4.55M | 4.33M | 3.26M |
| Operating Cash Flow | 4.52M | 4.26M | 3.93M | 6.46M | 4.66M | 4.16M |
| Investing Cash Flow | -27.07M | -11.03M | -5.95M | -6.61M | -25.22M | -67.15M |
| Financing Cash Flow | 22.58M | 7.12M | 2.24M | 598.83K | 20.57M | 62.64M |
Pinnacle Bancshares Technical Analysis
Positive
32.45
Price Trends
40.33
Positive
39.30
Positive
36.59
Positive
Market Momentum
0.40
Negative
58.59
Neutral
48.72
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PCLB, the sentiment is Positive. The current price of 32.45 is below the 20-day moving average (MA) of 41.25, below the 50-day MA of 40.33, and below the 200-day MA of 36.59, indicating a bullish trend. The MACD of 0.40 indicates Negative momentum. The RSI at 58.59 is Neutral, neither overbought nor oversold. The STOCH value of 48.72 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PCLB.
Pinnacle Bancshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
83 Outperform | $113.10M | 5.34 | 16.39% | ― | 24.01% | 20.16% | |
76 Outperform | $78.85M | 12.70 | 10.69% | 2.53% | 7.71% | 60.72% | |
75 Outperform | $40.65M | 9.01 | 20.54% | 3.32% | 3.90% | 5.46% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
57 Neutral | $47.15M | 26.88 | 3.86% | ― | 8.66% | 958.30% | |
42 Neutral | $198.72M | -0.49 | -63.67% | 1.33% | -35.76% | -909.39% |
* Financial Sector Average
PCLB
Pinnacle Bancshares
42.13
10.81
34.52%
HFBL
Home Federal Bancorp Of Louisiana
25.92
12.92
99.45%
KFFB
Kentucky First Federal Bancorp
6.34
3.02
90.96%
OPHC
Optimumbank Holdings
9.24
4.94
114.88%
BAFN
BayFirst Financial Corp
7.29
-2.15
-22.78%
MBBC
Marathon Bancorp
15.40
5.04
48.65%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.