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Pinnacle Bancshares
(OTC:PCLB)
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Rating:66Neutral
Price Target:
$38.00
▼(-9.80% Downside)
Action:Downgraded
Date:10/23/26
Overall score reflects solid but somewhat volatile financial performance (good profitability, improved leverage, healthy ROE, but margin compression and mixed cash-flow quality signals), offset by weak technicals (price below key moving averages with negative MACD). Attractive valuation (low P/E and ~3.1% yield) is a key supportive factor.
Positive Factors
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.
Negative Factors
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.
Read all positive and negative factors
Positive Factors
Negative Factors
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.
Read all positive factors
Pinnacle Bancshares (PCLB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$30.88M
Dividend Yield3.14%
Average Volume (3M)472.00
Price to Earnings (P/E)7.0
Beta (1Y)0.05
Revenue Growth5.01%
EPS Growth9.51%
CountryUS
Employees143
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)4.98
Shares Outstanding898,336
10 Day Avg. Volume559
30 Day Avg. Volume472
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 Cap1.17
Enterprise Value/Revenue1.95
Enterprise Value/Gross Profit2.60
Enterprise Value/Ebitda6.33
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...
Pinnacle Bancshares Financial Statement Overview
Summary
Income Statement
73
Positive
Balance Sheet
62
Positive
Cash Flow
66
Positive
| 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
Negative
42.13
Price Trends
38.05
Negative
38.85
Negative
37.76
Negative
Market Momentum
-1.00
Negative
41.57
Neutral
70.02
Neutral
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 42.13 is above the 20-day moving average (MA) of 34.99, above the 50-day MA of 38.05, and above the 200-day MA of 37.76, indicating a bearish trend. The MACD of -1.00 indicates Negative momentum. The RSI at 41.57 is Neutral, neither overbought nor oversold. The STOCH value of 70.02 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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 | $115.50M | 5.29 | 16.39% | ― | 24.01% | 20.16% | |
70 Outperform | $69.25M | 10.68 | 11.12% | 2.43% | 7.94% | 43.98% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $30.88M | 7.00 | 20.63% | 3.14% | 5.01% | 9.51% | |
58 Neutral | $43.18M | 22.64 | 3.86% | 0.94% | 8.69% | 958.30% | |
52 Neutral | $156.38M | -0.55 | -42.84% | 124.80% | -35.76% | -909.39% |
* Financial Sector Average
PCLB
Pinnacle Bancshares
34.38
4.25
14.10%
HFBL
Home Federal Bancorp Of Louisiana
22.85
6.88
43.06%
KFFB
Kentucky First Federal Bancorp
5.34
1.35
33.94%
OPHC
Optimumbank Holdings
9.15
5.06
123.72%
BAFN
BayFirst Financial Corp
5.80
-3.10
-34.83%
MBBC
Marathon Bancorp
14.44
3.55
32.55%
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.