Pinnacle Bankshares (PPBN) AI Stock Analysis

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Pinnacle Bankshares

(Other OTC:PPBN)

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Rating:70Outperform

Price Target:$67.00▲(9.21% Upside)

Action:reiterated

Date:11/07/26

PPBN earns an above-average score driven primarily by solid fundamentals: rapid multi-year revenue and earnings growth, expanding margins, a debt-free 2025 balance sheet, and ROE near 15%. An inexpensive 8.4x P/E plus a ~1.9% dividend yield further strengthen the case. The main drags are inconsistent cash flow generation relative to earnings and asset size, and softening near-term technicals — price has slipped below its 20- and 50-day averages with a negative MACD — though the stock still holds a firm long-term uptrend above its 200-day average with low volatility.

Positive Factors

Revenue and Profitability GrowthSubstantial revenue expansion alongside stronger net margins indicates that Pinnacle Bankshares has improved both operating scale and profitability. If maintained, this combination can support internally funded growth, strengthen resilience across banking cycles, and provide a durable base for future earnings.

Negative Factors

Uneven Cash FlowMaterial swings in operating cash flow and the prior negative free-cash-flow year reduce confidence in the consistency of cash generation. Uneven cash production can make capital planning less predictable and may constrain the timing of loan growth, investments, or shareholder returns.

Pinnacle Bankshares (PPBN) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $133.21M
Dividend Yield: 1.93%
Average Volume (3M): 2,566
Price to Earnings (P/E): 8.4
Beta (1Y): 0.31
Revenue Growth: 11.70%
EPS Growth: 50.90%
Country: US
Employees: 186
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

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 depo...

Pinnacle Bankshares Financial Statement Overview

Summary

Pinnacle Bankshares shows a strong financial profile: revenue nearly doubled from $26.8M (2020) to $59.1M (2025), net income rose from $3.1M to $13.3M, and net margin expanded to ~22.5%. The balance sheet is a standout, with zero total debt in 2025, $89.4M of equity, $1.07B in assets, and ROE near 15%. Offsetting this, cash flow generation has been uneven — operating cash flow fell from $14.4M in 2024 to $11.1M in 2025, free cash flow history is volatile, and cash generation remains modest relative to the asset base. Some earnings volatility (the 2024 dip to $9.2M) also tempers the score.

Income Statement

72Positive

Balance Sheet

78Positive

Cash Flow

58Neutral

Financial statement breakdown
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	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	9.71M	11.92M	3.48M	8.26M	2.17M
Operating Cash Flow	0	11.08M	14.40M	4.31M	8.66M	3.20M
Investing Cash Flow	0	-5.07M	-10.04M	15.41M	-230.56M	-70.97M
Financing Cash Flow	0	8.03M	16.26M	31.34M	-40.17M	155.56M

Pinnacle Bankshares Technical Analysis

Technical Analysis SentimentNeutral

Last Price61.35

Price Trends

50DMA62.72Negative

100DMA61.49Negative

200DMA54.91Positive

Market Momentum

MACD-0.33Negative

RSI44.78Neutral

STOCH52.66Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PPBN, the sentiment is Neutral. The current price of 61.35 is below the 20-day moving average (MA) of 61.52, below the 50-day MA of 62.72, and above the 200-day MA of 54.91, indicating a neutral trend. The MACD of -0.33 indicates Negative momentum. The RSI at 44.78 is Neutral, neither overbought nor oversold. The STOCH value of 52.66 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

PPBN against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
AUBN	73Outperform	$90.20M	10.24	9.42%	4.17%	4.68%	21.56%
PPBN	70Outperform	$132.98M	8.39	17.43%	1.93%	11.70%	50.90%
UBCP	69Neutral	$81.96M	10.74	11.35%	6.55%	6.48%	-0.99%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SSBI	54Neutral	$79.84M	196.33	0.33%	―	-7.24%	―
FNWB	42Neutral	$94.23M	-1048.39	-0.03%	―	-6.23%	99.32%

* Financial Sector Average

Performance Comparison

PPBN and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
PPBN	Pinnacle Bankshares Corporation	61.35	21.80	55.13%
AUBN	Auburn National Bancorporation	25.93	1.78	7.38%
SSBI	Summit State Bank	12.01	1.18	10.90%
UBCP	United Bancorp	14.49	2.22	18.14%
FNWB	First Northwest Bancorp	9.84	0.58	6.26%

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: Nov 07, 2026

Pinnacle Bankshares AI Stock Analysis