Pinnacle Bancshares (PCLB) AI Stock Analysis

Pinnacle Bancshares

(Other OTC:PCLB)

Select Model

Rating:56Neutral

Price Target:$36.00▲(3.60% Upside)

Action:downgraded

Date:10/23/26

The overall score is constrained by significant weaknesses in financial performance and technicals. The most impactful factor is the severe and ongoing decline in profitability margins, which raises questions about the quality of recent growth. This is compounded by a bearish technical picture, with the stock in a clear downtrend. These negatives are partially offset by a very attractive valuation, with a low P/E ratio and a strong dividend yield, suggesting the market may have already priced in these concerns.

Positive Factors

Profitability and Revenue GrowthStrong 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.

Negative Factors

Margin CompressionAlthough 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.

Pinnacle Bancshares (PCLB) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $31.30M
Dividend Yield: 3.14%
Average Volume (3M): 718
Price to Earnings (P/E): 7.0
Beta (1Y): 0.05
Revenue Growth: 5.01%
EPS Growth: 9.51%
Country: US
Employees: 143
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

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, cons...

Pinnacle Bancshares Financial Statement Overview

Summary

Financial performance is mixed. The cash flow statement is strong (score 78) with excellent free cash flow growth and conversion. The balance sheet (score 62) shows improved leverage but declining ROE. However, the income statement (score 35) reveals a concerning trend of eroding gross and net profit margins despite revenue growth, significantly dragging down the overall financial health.

Income Statement

35Negative

Balance Sheet

62Positive

Cash Flow

78Positive

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	18.60M	17.94M	17.33M	15.96M	14.02M	13.68M
Gross Profit	13.93M	13.66M	13.29M	13.51M	13.30M	13.14M
EBITDA	5.74M	5.71M	5.70M	6.18M	6.20M	6.22M
Net Income	4.48M	4.19M	4.07M	4.48M	4.50M	4.69M
Balance Sheet
Total Assets	379.40M	363.67M	346.51M	342.58M	332.72M	339.71M
Cash, Cash Equivalents and Short-Term Investments	3.82M	2.76M	20.24M	21.71M	13.93M	12.88M
Total Debt	8.04M	8.07M	7.35M	15.90M	3.49M	3.59M
Total Liabilities	361.43M	341.03M	332.65M	329.79M	326.98M	304.05M
Stockholders Equity	17.97M	22.65M	13.86M	12.79M	5.74M	35.66M
Cash Flow
Free Cash Flow	4.03M	4.18M	3.63M	4.55M	4.33M	3.26M
Operating Cash Flow	4.93M	4.26M	3.93M	6.46M	4.66M	4.16M
Investing Cash Flow	-28.44M	-11.03M	-5.95M	-6.61M	-25.22M	-67.15M
Financing Cash Flow	24.35M	7.12M	2.24M	598.83K	20.57M	62.64M

Pinnacle Bancshares Technical Analysis

Technical Analysis SentimentNegative

Last Price34.75

Price Trends

50DMA37.77Negative

100DMA38.79Negative

200DMA37.79Negative

Market Momentum

MACD-0.87Negative

RSI42.22Neutral

STOCH81.01Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PCLB, the sentiment is Negative. The current price of 34.75 is below the 20-day moving average (MA) of 34.84, below the 50-day MA of 37.77, and below the 200-day MA of 37.79, indicating a bearish trend. The MACD of -0.87 indicates Negative momentum. The RSI at 42.22 is Neutral, neither overbought nor oversold. The STOCH value of 81.01 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for PCLB.

Pinnacle Bancshares Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

PCLB against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OPHC	83Outperform	$115.50M	5.29	16.39%	―	24.01%	20.16%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
HFBL	64Neutral	$69.25M	10.68	11.12%	2.49%	7.94%	43.98%
KFFB	62Neutral	$43.18M	22.64	3.86%	0.94%	8.69%	958.30%
PCLB	56Neutral	$30.88M	7.00	20.63%	3.14%	5.01%	9.51%
BAFN	52Neutral	$156.38M	-0.55	-42.84%	―	-40.59%	-260.03%

* Financial Sector Average

Performance Comparison

PCLB and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
PCLB	Pinnacle Bancshares	34.75	3.97	12.89%
HFBL	Home Federal Bancorp Inc. Of Louisiana	23.11	7.66	49.54%
KFFB	Kentucky First Federal	5.54	1.58	40.06%
OPHC	Optimumbank	9.27	5.25	130.60%
BAFN	BayFirst Financial Corp	5.88	-2.77	-32.02%
MBBC	Marathon Bancorp, Inc.	14.44	3.54	32.43%

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.

Date of analysis: Oct 23, 2026

Pinnacle Bancshares AI Stock Analysis