Pinnacle Bancshares (PCLB) Stock Price, News & Analysis

Company Overview

Pinnacle Bancshares, Inc. operates as the bank holding company for Pinnacle Bank that provides various banking products and services. The company provides checking accounts, savings accounts, and demand and time deposits. It also offers personal lending for automobile, boat, jet ski, motor home, travel trailers, manufactured home, tractor, ATV, personal line of credit, and others; mortgage products, such as residential purchase and refinance, investment property, consumer construction, consumer 2nd mortgage, veterans administration loans, federal housing administration loans, land loans, home equity line of credit, and home improvement/renovation; commercial lending products, including purchase, construction, and refinance of residential rental property and commercial real estate, as well as residential rental property improvements, land acquisition, investment, and development; commercial construction; and SBA lending. In addition, the company provides digital banking, card, cash management, and merchant services. Pinnacle Bancshares, Inc. was incorporated in 1996 and is based in Jasper, Alabama.

Key Stats

• Today's Range: $34.49 to $34.49
• 50-Day Range: $30.50 to $34.61
• 52-Week Range: $23.18 to $34.61
• Volume: N/A
• Average Volume: 934 shs
• Market Capitalization: $30.97 million
• P/E Ratio: 7.70
• Dividend Yield: 3.13%
• Price Target: N/A
• Consensus Rating: N/A

Pinnacle Bancshares Stock Analysis - MarketRank™

Pinnacle Bancshares scored higher than 26% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Pinnacle Bancshares.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Pinnacle Bancshares is 7.70, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 24.80.

Price to Earnings Ratio vs. Sector

The P/E ratio of Pinnacle Bancshares is 7.70, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 22.57.

Price to Book Value per Share Ratio

Pinnacle Bancshares has a P/B Ratio of 2.45. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.01% of the float of Pinnacle Bancshares has been sold short.

Short Interest Ratio / Days to Cover

Pinnacle Bancshares has a short interest ratio ("days to cover") of 0.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Pinnacle Bancshares pays a meaningful dividend of 3.13%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Pinnacle Bancshares does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Pinnacle Bancshares is 23.74%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.01% of the float of Pinnacle Bancshares has been sold short.

Short Interest Ratio / Days to Cover

Pinnacle Bancshares has a short interest ratio ("days to cover") of 0.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

News and Social Media

• Score: 1.9 / 5
• News Sentiment: 0.50

News Sentiment

Pinnacle Bancshares has a news sentiment score of 0.50. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.96 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for Pinnacle Bancshares this week, compared to 0 articles on an average week.

Company Ownership

• Score: 0.8 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Pinnacle Bancshares insiders have not sold or bought any company stock.

Percentage Held by Insiders

14.40% of the stock of Pinnacle Bancshares is held by insiders. A high percentage of insider ownership can be a sign of company health.

PCLB Stock Analysis - Frequently Asked Questions

How have PCLB shares performed this year?

Pinnacle Bancshares' stock was trading at $27.92 on January 1st, 2025. Since then, PCLB shares have increased by 23.5% and is now trading at $34.4891.
View the best growth stocks for 2025 here.

How were Pinnacle Bancshares' earnings last quarter?

Pinnacle Bancshares, Inc. (OTCMKTS:PCLB) announced its quarterly earnings data on Wednesday, April, 23rd. The financial services provider reported $1.13 earnings per share (EPS) for the quarter. The financial services provider earned $3.38 million during the quarter. Pinnacle Bancshares had a net margin of 23.46% and a trailing twelve-month return on equity of 26.43%.

How do I buy shares of Pinnacle Bancshares?

Shares of PCLB stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Pinnacle Bancshares own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Pinnacle Bancshares investors own include First Financial Northwest (FFNW), Citizens & Northern (CZNC) and Cadence Bank (CADE).

Company Calendar

• Record date for 3/21 Dividend: 3/10/2025
• Ex-Dividend for 3/21 Dividend: 3/10/2025
• Dividend Payable: 3/21/2025
• Last Earnings: 4/23/2025
• Today: 5/28/2025
• Record date for 6/20 Dividend: 6/09/2025
• Dividend Payable: 6/20/2025
• Next Earnings (Estimated): 7/28/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Finance
• Industry: State commercial banks
• Sub-Industry: Banking
• Current Symbol: OTCMKTS:PCLB
• Previous Symbol: NASDAQ:PCLB
• CIK: 1022243
• Web: www.pinnaclebanc.com
• Phone: (205) 221-4111
• Fax: 205-221-8860
• Employees: 89
• Year Founded: N/A

Profitability

• EPS (Most Recent Fiscal Year): $4.55
• Trailing P/E Ratio: 7.70
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $4.07 million
• Net Margins: 23.46%
• Pretax Margin: 29.86%
• Return on Equity: 26.43%
• Return on Assets: 1.18%

Debt

• Debt-to-Equity Ratio: 0.61
• Current Ratio: 0.47
• Quick Ratio: 0.47

Sales & Book Value

• Annual Sales: $17.33 million
• Price / Sales: 1.79
• Cash Flow: $6.02 per share
• Price / Cash Flow: 5.73
• Book Value: $14.06 per share
• Price / Book: 2.45

Miscellaneous

• Outstanding Shares: 898,000
• Free Float: 776,000
• Market Cap: $30.97 million
• Optionable: Not Optionable
• Beta: 0.25