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Pinnacle Bancshares, Inc. PCLB OTC

Other OTC • Financial Services • Banks - Regional • US • USD

SharesGrow Score

SharesGrow Intrinsic Value

Negative cash flow

Pinnacle Bancshares, Inc. (PCLB) is a Banks - Regional company in the Financial Services sector, currently trading at $38.68. It has a SharesGrow Score of 65/100, indicating a above average investment profile with 3 out of 7 criteria passed.

Financials: revenue is $18M, +10%/yr average growth. Net income is $4M, growing at -2.2%/yr. Net profit margin is 23.4% (strong). Gross margin is 76.1% (-19 pp trend).

Balance sheet: total debt is $8M against $23M equity (Debt-to-Equity (D/E) ratio 0.33, conservative). Current ratio is 0.05 (tight liquidity). Debt-to-assets is 2.1%. Total assets: $364M.

SharesGrow 7-Criteria breakdown: Value 100/100 (Pass), Growth 48/100 (Partial), Past 100/100 (Pass), Health 33/100 (Fail), Moat 35/100 (Fail), Future ?/100 (Fail), Income 85/100 (Pass).

PCLB SharesGrow Score Overview

67/100

SharesGrow Score

Above average fundamentals

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VALUE 100/100

Valuation — P/E, PEG, Forward PEG

GROWTH 48/100

Financials — average growth

PAST 100/100

strong — trend

HEALTH 33/100

Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is

MOAT 35/100

Gross margin is + market cap

FUTURE 0/100

Analyst outlook — as buy

INCOME 85/100

Net profit margin is

Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — PCLB

PCLB trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.

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PCLB: +10%/yr revenue is, -2.2%/yr Net income is average growth. mixed. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.

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PCLB: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.

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Balance sheet PCLB: Debt-to-Equity (D/E) ratio 0.33 (conservative), Current ratio is 0.05 (tight liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.

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PCLB: Gross margin is 76.1% (-19 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 35/100. ≥ 70 = Pass.

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No analyst coverage available for this stock.

PCLB: Net profit margin is 23.4%. healthy (≥15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.

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Stock Chart & Stats

Market Data

52-Week Range30.51-40

Volume490

Avg Volume (30D)328

Market Cap$34.75M

Beta (1Y)0.28

Dividend Yield$1.0800

Share Statistics

EPS (TTM)4.66

Shares Outstanding$899.39K

IPO Date1986-12-17

Employees96

CEORobert Nolen Jr.

Financial Highlights & Ratios

Revenue (TTM)$17.94M

Gross Profit$13.66M

EBITDA$5.71M

Net Income$4.19M

Operating Income$5.23M

Total Cash$2.76M

Total Debt$7.53M

Net Debt$4.76M

Total Assets$363.67M

Price / Earnings (P/E)8.3

Price / Sales (P/S)1.94

Analyst Forecast

Company Info

CountryUS

ExchangeOther OTC

CurrencyUSD

ISINUS7229031015

Price Chart

PCLB

Pinnacle Bancshares, Inc. ↗ · Other OTC

Financial Services • Banks - Regional

30.51 52WK RANGE 40.00

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