Pinnacle Bancshares, Inc. Logo

Pinnacle Bancshares, Inc.

PCLB

(1.8)
Stock Price

26,00 USD

0.58% ROA

49.93% ROE

23.21x PER

Market Cap.

20.443.605,00 USD

21.12% DER

5.14% Yield

28.08% NPM

Pinnacle Bancshares, Inc. Stock Analysis

Pinnacle Bancshares, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Pinnacle Bancshares, Inc. Fundamental Stock Analysis
# Analysis Rating
1 Dividend

Investors can take comfort in the company's unwavering commitment to dividends, as it has consistently distributed payouts over the past five years, ensuring a reliable income stream.

2 ROE

ROE in an average range (6.96%) suggests satisfactory profitability and decent utilization of shareholders' equity.

3 ROA

The stock's ROA (0.58%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

4 PBV

The stock's PBV ratio (1.39x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

5 Assets Growth

Company's revenue has experienced consistent growth over the last three years, indicating a favorable financial trajectory and making it an attractive investment choice.

6 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (103) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

7 DER

The stock is burdened with a heavy load of debt (1097%), making it financially unstable and potentially risky for investors.

8 Revenue Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

9 Net Profit Growth

Despite the passage of five years, this company's net profit has not shown any improvement, highlighting a lack of growth and making it a less appealing investment prospect.

10 Graham Number

Based on the Graham number, this company's stock price appears to be higher than its intrinsic value, signaling a potentially unfavorable investment choice.

11 Dividend Growth

Potential investors should be aware that the company's dividend growth has shown no upward trend in the past three years, indicating limited potential for increased returns.

Pinnacle Bancshares, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Pinnacle Bancshares, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Pinnacle Bancshares, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Pinnacle Bancshares, Inc. Revenue
Year Revenue Growth
1986 0
1987 0 0%
1988 0 0%
1989 500.000 100%
1990 5.400.000 90.74%
1991 6.100.000 11.48%
1992 7.000.000 12.86%
1993 7.100.000 1.41%
1994 7.000.000 -1.43%
1995 6.600.000 -6.06%
1995 7.400.000 10.81%
1996 7.500.000 1.33%
1997 8.400.000 10.71%
1998 7.800.000 -7.69%
1999 8.008.464 2.6%
2000 8.482.102 5.58%
2001 8.513.186 0.37%
2002 9.278.179 8.25%
2003 10.226.589 9.27%
2004 8.883.415 -15.12%
2005 8.658.073 -2.6%
2006 8.433.090 -2.67%
2007 8.437.280 0.05%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Pinnacle Bancshares, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
1986 0
1987 0 0%
1988 0 0%
1989 0 0%
1990 0 0%
1991 0 0%
1992 0 0%
1993 0 0%
1994 0 0%
1995 0 0%
1995 0 0%
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Pinnacle Bancshares, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
1986 0
1987 0 0%
1988 0 0%
1989 2.200.000 100%
1990 2.000.000 -10%
1991 2.000.000 0%
1992 2.200.000 9.09%
1993 2.200.000 0%
1994 2.300.000 4.35%
1995 2.100.000 -9.52%
1995 2.200.000 4.55%
1996 2.200.000 0%
1997 2.600.000 15.38%
1998 2.700.000 3.7%
1999 2.908.928 7.18%
2000 2.838.833 -2.47%
2001 2.968.593 4.37%
2002 3.034.413 2.17%
2003 3.215.696 5.64%
2004 3.407.562 5.63%
2005 3.313.613 -2.84%
2006 3.510.340 5.6%
2007 3.246.008 -8.14%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Pinnacle Bancshares, Inc. EBITDA
Year EBITDA Growth
1986 800.000
1987 1.100.000 27.27%
1988 700.000 -57.14%
1989 15.900.000 95.6%
1990 15.100.000 -5.3%
1991 14.600.000 -3.42%
1992 12.700.000 -14.96%
1993 9.000.000 -41.11%
1994 9.000.000 0%
1995 10.000.000 10%
1995 3.100.000 -222.58%
1996 2.000.000 -55%
1997 3.400.000 41.18%
1998 2.400.000 -41.67%
1999 2.762.669 13.13%
2000 3.003.961 8.03%
2001 1.277.858 -135.08%
2002 3.226.521 60.4%
2003 3.952.212 18.36%
2004 2.471.707 -59.9%
2005 2.701.729 8.51%
2006 2.472.034 -9.29%
2007 2.670.932 7.45%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Pinnacle Bancshares, Inc. Gross Profit
Year Gross Profit Growth
1986 0
1987 0 0%
1988 0 0%
1989 500.000 100%
1990 5.400.000 90.74%
1991 6.100.000 11.48%
1992 7.000.000 12.86%
1993 7.100.000 1.41%
1994 7.000.000 -1.43%
1995 6.600.000 -6.06%
1995 7.400.000 10.81%
1996 7.500.000 1.33%
1997 8.400.000 10.71%
1998 7.800.000 -7.69%
1999 8.008.464 2.6%
2000 8.482.102 5.58%
2001 8.513.186 0.37%
2002 9.278.179 8.25%
2003 10.226.589 9.27%
2004 8.883.415 -15.12%
2005 8.658.073 -2.6%
2006 8.433.090 -2.67%
2007 8.437.280 0.05%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Pinnacle Bancshares, Inc. Net Profit
Year Net Profit Growth
1986 800.000
1987 1.100.000 27.27%
1988 700.000 -57.14%
1989 -3.900.000 117.95%
1990 500.000 880%
1991 1.100.000 54.55%
1992 1.400.000 21.43%
1993 100.000 -1300%
1994 1.200.000 91.67%
1995 1.200.000 0%
1995 1.600.000 25%
1996 1.000.000 -60%
1997 2.100.000 52.38%
1998 1.500.000 -40%
1999 1.677.722 10.59%
2000 1.741.601 3.67%
2001 683.288 -154.89%
2002 2.012.788 66.05%
2003 2.426.364 17.05%
2004 1.732.180 -40.08%
2005 1.516.547 -14.22%
2006 1.350.904 -12.26%
2007 1.538.676 12.2%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Pinnacle Bancshares, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1986 0
1987 1 0%
1988 0 0%
1989 -2 100%
1990 0 0%
1991 1 0%
1992 1 0%
1993 0 0%
1994 1 0%
1995 1 0%
1995 1 0%
1996 1 0%
1997 1 100%
1998 1 0%
1999 1 0%
2000 1 0%
2001 0 0%
2002 1 100%
2003 2 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 100%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Pinnacle Bancshares, Inc. Free Cashflow
Year Free Cashflow Growth
1989 4.400.000
1990 1.000.000 -340%
1991 2.200.000 54.55%
1992 800.000 -175%
1993 -600.000 233.33%
1994 5.800.000 110.34%
1995 -200.000 3000%
1995 3.300.000 106.06%
1996 -2.100.000 257.14%
1997 800.000 362.5%
1998 1.500.000 46.67%
1999 2.490.408 39.77%
2000 1.740.824 -43.06%
2001 271.506 -541.17%
2002 2.041.199 86.7%
2003 5.542.488 63.17%
2004 1.854.857 -198.81%
2005 2.662.274 30.33%
2006 6.082 -43673%
2007 223.374 97.28%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Pinnacle Bancshares, Inc. Operating Cashflow
Year Operating Cashflow Growth
1989 4.600.000
1990 1.100.000 -318.18%
1991 2.300.000 52.17%
1992 1.600.000 -43.75%
1993 -300.000 633.33%
1994 5.900.000 105.08%
1995 0 0%
1995 3.800.000 100%
1996 -400.000 1050%
1997 1.800.000 122.22%
1998 2.800.000 35.71%
1999 3.403.916 17.74%
2000 1.819.932 -87.04%
2001 413.707 -339.91%
2002 2.195.080 81.15%
2003 6.168.486 64.41%
2004 2.284.403 -170.03%
2005 3.317.489 31.14%
2006 1.229.302 -169.87%
2007 223.374 -450.33%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Pinnacle Bancshares, Inc. Capital Expenditure
Year Capital Expenditure Growth
1989 200.000
1990 100.000 -100%
1991 100.000 0%
1992 800.000 87.5%
1993 300.000 -166.67%
1994 100.000 -200%
1995 200.000 50%
1995 500.000 60%
1996 1.700.000 70.59%
1997 1.000.000 -70%
1998 1.300.000 23.08%
1999 913.508 -42.31%
2000 79.108 -1054.76%
2001 142.201 44.37%
2002 153.881 7.59%
2003 625.998 75.42%
2004 429.546 -45.73%
2005 655.215 34.44%
2006 1.223.220 46.44%
2007 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Pinnacle Bancshares, Inc. Equity
Year Equity Growth
1989 11.600.000
1990 12.200.000 4.92%
1991 13.000.000 6.15%
1992 13.900.000 6.47%
1993 13.300.000 -4.51%
1994 13.500.000 1.48%
1995 15.200.000 11.18%
1995 14.400.000 -5.56%
1996 15.300.000 5.88%
1997 16.800.000 8.93%
1998 17.600.000 4.55%
1999 17.848.762 1.39%
2000 19.230.325 7.18%
2001 19.011.866 -1.15%
2002 19.955.478 4.73%
2003 19.431.196 -2.7%
2004 19.914.430 2.43%
2005 19.409.974 -2.6%
2006 19.405.537 -0.02%
2007 20.550.026 5.57%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Pinnacle Bancshares, Inc. Assets
Year Assets Growth
1989 204.900.000
1990 191.100.000 -7.22%
1991 184.200.000 -3.75%
1992 176.300.000 -4.48%
1993 171.800.000 -2.62%
1994 176.500.000 2.66%
1995 186.500.000 5.36%
1995 196.400.000 5.04%
1996 195.500.000 -0.46%
1997 201.900.000 3.17%
1998 218.100.000 7.43%
1999 231.031.563 5.6%
2000 230.269.027 -0.33%
2001 218.020.111 -5.62%
2002 218.290.201 0.12%
2003 208.574.191 -4.66%
2004 207.832.349 -0.36%
2005 220.248.717 5.64%
2006 232.233.607 5.16%
2007 239.521.572 3.04%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Pinnacle Bancshares, Inc. Liabilities
Year Liabilities Growth
1989 193.300.000
1990 178.900.000 -8.05%
1991 171.200.000 -4.5%
1992 162.400.000 -5.42%
1993 158.500.000 -2.46%
1994 11.100.000 -1327.93%
1995 171.300.000 93.52%
1995 18.900.000 -806.35%
1996 180.200.000 89.51%
1997 185.100.000 2.65%
1998 200.500.000 7.68%
1999 213.182.801 5.95%
2000 211.038.702 -1.02%
2001 199.008.245 -6.05%
2002 198.334.723 -0.34%
2003 189.142.995 -4.86%
2004 187.917.919 -0.65%
2005 200.838.743 6.43%
2006 212.828.070 5.63%
2007 218.971.546 2.81%

Pinnacle Bancshares, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
5.65
Net Income per Share
0.9
Price to Earning Ratio
23.21x
Price To Sales Ratio
2.42x
POCF Ratio
25.51
PFCF Ratio
3361.33
Price to Book Ratio
1.62
EV to Sales
1.39
EV Over EBITDA
4.75
EV to Operating CashFlow
9.55
EV to FreeCashFlow
1929.76
Earnings Yield
0.04
FreeCashFlow Yield
0
Market Cap
0,02 Bil.
Enterprise Value
0,01 Bil.
Graham Number
16.26
Graham NetNet
-133.18

Income Statement Metrics

Net Income per Share
0.9
Income Quality
0.91
ROE
0.07
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.78
EBT Per Ebit
0.55
Ebit per Revenue
0.65
Effective Tax Rate
0.22

Margins

Sales, General, & Administrative to Revenue
0.42
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
-0.05
Gross Profit Margin
1
Operating Profit Margin
0.65
Pretax Profit Margin
0.36
Net Profit Margin
0.28

Dividends

Dividend Yield
0.05
Dividend Yield %
5.14
Payout Ratio
0.48
Dividend Per Share
1.08

Operating Metrics

Operating Cashflow per Share
0.82
Free CashFlow per Share
0
Capex to Operating CashFlow
-1
Capex to Revenue
-0.15
Capex to Depreciation
-2.42
Return on Invested Capital
0.06
Return on Tangible Assets
0.01
Days Sales Outstanding
66.47
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
5.49
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.82

Balance Sheet

Cash per Share
8,58
Book Value per Share
13,00
Tangible Book Value per Share
13
Shareholders Equity per Share
13
Interest Debt per Share
7.25
Debt to Equity
0.21
Debt to Assets
0.02
Net Debt to EBITDA
-3.52
Current Ratio
11.36
Tangible Asset Value
0,02 Bil.
Net Current Asset Value
-0,20 Bil.
Invested Capital
0.21
Working Capital
0,01 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.2

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Pinnacle Bancshares, Inc. Dividends
Year Dividends Growth
1988 0
1989 0 0%
1991 1 0%
1992 1 0%
1993 1 0%
1994 1 0%
1995 1 0%
1996 1 0%
1997 1 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 1 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 100%
2023 1 0%

Pinnacle Bancshares, Inc. Profile

About Pinnacle Bancshares, Inc.

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. It operates seven offices in the central and northwest Alabama. Pinnacle Bancshares, Inc. was incorporated in 1996 and is based in Jasper, Alabama.

CEO
Mr. Robert B. Nolen Jr.
Employee
96
Address
1811 Second Avenue
Jasper, 35501

Pinnacle Bancshares, Inc. Executives & BODs

Pinnacle Bancshares, Inc. Executives & BODs
# Name Age
1 Bert Hendrix
Vice President & Secretary
70
2 Mr. Robert B. Nolen Jr.
President, Chief Executive Officer & Director
70
3 Mr. Joe B. Adams III
Chief Financial Officer
70

Pinnacle Bancshares, Inc. Competitors