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Pinnacle Bankshares
(OTC:PPBN)
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Rating:81Outperform
Price Target:
$79.00
▲(31.95% Upside)
Action:Reiterated
Date:08/06/26
The score is driven primarily by strong financial performance (solid profitability, improving ROE, and conservative reported debt) and very attractive valuation (low P/E). Technicals support the uptrend, but extremely overbought RSI/Stoch temper the overall score due to elevated near-term reversal risk.
Positive Factors
Revenue Scaling
Sustained revenue growth from $26.8M to $59.1M over five years signals durable franchise expansion and successful customer acquisition or product uptake. This scale strengthens competitive position and supports long‑term operating leverage, improving resilience to cyclical shocks.
Negative Factors
Uneven Cash Generation
Volatile operating and free cash flow reduce certainty around internal funding for growth, dividends, or loan loss coverage. Inconsistent cash conversion increases reliance on external funding in weak years and complicates medium‑term capital planning and stress testing for the bank.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Scaling
Sustained revenue growth from $26.8M to $59.1M over five years signals durable franchise expansion and successful customer acquisition or product uptake. This scale strengthens competitive position and supports long‑term operating leverage, improving resilience to cyclical shocks.
Read all positive factors
Pinnacle Bankshares (PPBN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$143.05M
Dividend Yield1.71%
Average Volume (3M)716.00
Price to Earnings (P/E)3.6
Beta (1Y)0.33
Revenue Growth11.64%
EPS Growth57.56%
CountryUS
Employees186
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)16.83
Shares Outstanding2,171,235
10 Day Avg. Volume182
30 Day Avg. Volume716
Financial Highlights & Ratios
PEG Ratio0.56
Price to Book (P/B)1.40
Price to Sales (P/S)2.11
P/FCF Ratio12.86
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 Bankshares Business Overview & Revenue Model
Company Description
Pinnacle Bankshares Corporation operates as a bank holding company for First National Bank that provides a range of commercial and retail banking products and services in the United States. The company accepts checking accounts, savings and time d...
How the Company Makes Money
null...
Pinnacle Bankshares Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
88
Very Positive
Cash Flow
64
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 59.74M | 59.05M | 55.62M | 49.37M | 38.21M | 33.57M |
| Gross Profit | 48.45M | 47.61M | 42.58M | 40.58M | 36.67M | 31.61M |
| EBITDA | 39.36M | 14.65M | 11.16M | 13.02M | 11.28M | 6.46M |
| Net Income | 37.38M | 10.77M | 9.18M | 9.76M | 8.24M | 4.38M |
Balance Sheet | ||||||
| Total Assets | 1.09B | 1.07B | 1.04B | 1.02B | 969.93M | 1.02B |
| Cash, Cash Equivalents and Short-Term Investments | 297.68M | 274.96M | 284.28M | 321.42M | 277.94M | 419.55M |
| Total Debt | 0.00 | 957.00K | 11.27M | 10.00M | 10.00M | 10.00M |
| Total Liabilities | 1.00B | 975.82M | 965.61M | 948.12M | 912.92M | 953.50M |
| Stockholders Equity | 88.07M | 89.41M | 78.39M | 68.41M | 57.01M | 62.37M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 9.71M | 11.92M | 3.48M | 8.26M | 2.17M |
| Operating Cash Flow | 0.00 | 11.08M | 14.40M | 4.31M | 8.66M | 3.20M |
| Investing Cash Flow | 0.00 | -5.07M | -10.04M | 15.41M | -230.56M | -70.97M |
| Financing Cash Flow | 0.00 | 8.03M | 16.26M | 31.34M | -40.17M | 155.56M |
Pinnacle Bankshares Technical Analysis
Positive
59.87
Price Trends
58.13
Positive
54.00
Positive
48.72
Positive
Market Momentum
2.69
Negative
70.60
Negative
65.93
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PPBN, the sentiment is Positive. The current price of 59.87 is below the 20-day moving average (MA) of 62.22, above the 50-day MA of 58.13, and above the 200-day MA of 48.72, indicating a bullish trend. The MACD of 2.69 indicates Negative momentum. The RSI at 70.60 is Negative, neither overbought nor oversold. The STOCH value of 65.93 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PPBN.
Pinnacle Bankshares Risk Analysis
Pinnacle Bankshares disclosed 41 risk factors in its most recent earnings report. Pinnacle Bankshares reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Pinnacle Bankshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
81 Outperform | $143.05M | 3.63 | 42.65% | 1.89% | 11.64% | 57.56% | |
77 Outperform | $91.50M | 10.98 | 9.12% | 4.06% | 4.58% | 26.05% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $87.64M | 10.76 | 11.53% | 5.92% | 6.21% | 8.32% | |
53 Neutral | $87.49M | 38.00 | 2.22% | ― | -6.91% | ― | |
46 Neutral | $108.43M | 71.38 | 0.96% | 0.59% | -6.12% | ― |
* Financial Sector Average
PPBN
Pinnacle Bankshares
65.89
30.04
83.79%
AUBN
Auburn National Bancorporation
26.13
2.47
10.42%
SSBI
Summit State Bank
12.79
1.04
8.85%
UBCP
United Bancorp
15.36
2.02
15.17%
FNWB
First Northwest Bancorp
11.22
3.08
37.84%
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.