Pinnacle Bankshares Corporation Logo

Pinnacle Bankshares Corporation

PPBN

(3.5)
Stock Price

31,19 USD

0.94% ROA

11.98% ROE

6.91x PER

Market Cap.

64.051.285,00 USD

13.74% DER

3.39% Yield

16.09% NPM

Pinnacle Bankshares Corporation Stock Analysis

Pinnacle Bankshares Corporation 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 Bankshares Corporation Fundamental Stock Analysis
# Analysis Rating
1 Dividend

The company's consistent dividend payouts over the past five years exemplify its strong commitment to providing shareholders with reliable returns, making it an attractive investment option.

2 ROE

ROE surpassing expectations (17.01%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

3 PBV

With a remarkably low PBV ratio (0.75x), the stock offers substantial upside potential at a bargain price.

4 DER

The stock has a low debt to equity ratio (16%), which means it has a small amount of debt compared to the ownership it holds

5 Graham Number

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

6 Dividend Growth

The company's dividend growth has been consistently strong over the past three years, with annual increases that demonstrate its commitment to rewarding shareholders.

7 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (106), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

8 ROA

The stock's ROA (0.96%) 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.

9 Revenue Growth

Over the past three years, this company's revenue has consistently grown, demonstrating a positive financial trend that makes it an appealing choice.

10 Net Profit Growth

This company's net profit has been consistently on the rise over the past three years, indicating a strong financial performance and making it an appealing investment opportunity.

11 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

Pinnacle Bankshares Corporation 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 Bankshares Corporation Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Pinnacle Bankshares Corporation 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 Bankshares Corporation Revenue
Year Revenue Growth
1997 756.000
1998 813.000 7.01%
1999 1.099.000 26.02%
2000 7.468.000 85.28%
2001 7.732.000 3.41%
2002 8.852.000 12.65%
2003 9.661.000 8.37%
2004 9.655.000 -0.06%
2005 10.379.000 6.98%
2006 11.692.000 11.23%
2007 12.813.000 8.75%
2008 13.105.000 2.23%
2009 1.618.000 -709.95%
2010 13.910.000 88.37%
2011 15.344.000 9.35%
2012 15.044.000 -1.99%
2013 16.263.000 7.5%
2014 15.218.000 -6.87%
2015 12.505.000 -21.7%
2016 17.531.000 28.67%
2017 18.705.000 6.28%
2018 20.584.000 9.13%
2019 22.299.000 7.69%
2020 18.269.000 -22.06%
2021 32.276.000 43.4%
2022 36.862.000 12.44%
2023 42.164.000 12.57%
2023 49.852.000 15.42%
2024 54.264.000 8.13%

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 Bankshares Corporation Research and Development Expenses
Year Research and Development Expenses Growth
1997 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 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 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 Bankshares Corporation General and Administrative Expenses
Year General and Administrative Expenses Growth
1997 1.650.000
1998 1.847.000 10.67%
1999 2.096.000 11.88%
2000 2.479.000 15.45%
2001 2.887.000 14.13%
2002 3.303.000 12.59%
2003 3.744.000 11.78%
2004 3.854.000 2.85%
2005 4.134.000 6.77%
2006 4.540.000 8.94%
2007 4.813.000 5.67%
2008 5.621.000 14.37%
2009 6.978.000 19.45%
2010 6.751.000 -3.36%
2011 6.894.000 2.07%
2012 6.674.000 -3.3%
2013 7.066.000 5.55%
2014 6.451.000 -9.53%
2015 6.859.000 5.95%
2016 7.524.000 8.84%
2017 8.245.000 8.74%
2018 8.401.000 1.86%
2019 9.617.000 12.64%
2020 10.948.000 12.16%
2021 15.577.000 29.72%
2022 15.338.000 -1.56%
2023 16.272.000 5.74%
2023 16.210.000 -0.38%
2024 0 0%

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 Bankshares Corporation EBITDA
Year EBITDA Growth
1997 7.504.000
1998 7.579.000 0.99%
1999 7.970.000 4.91%
2000 8.973.000 11.18%
2001 9.543.000 5.97%
2002 7.940.000 -20.19%
2003 6.867.000 -15.63%
2004 6.577.000 -4.41%
2005 8.229.000 20.08%
2006 10.350.000 20.49%
2007 12.402.000 16.55%
2008 9.126.000 -35.9%
2009 8.277.000 -10.26%
2010 7.352.000 -12.58%
2011 6.543.000 -12.36%
2012 6.421.000 -1.9%
2013 7.570.000 15.18%
2014 5.556.000 -36.25%
2015 6.068.000 8.44%
2016 6.334.000 4.2%
2017 6.496.000 2.49%
2018 7.621.000 14.76%
2019 6.094.000 -25.06%
2020 5.378.000 -13.31%
2021 6.461.000 16.76%
2022 12.626.000 48.83%
2023 13.316.000 5.18%
2023 1.236.000 -977.35%
2024 1.996.000 38.08%

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 Bankshares Corporation Gross Profit
Year Gross Profit Growth
1997 756.000
1998 813.000 7.01%
1999 1.099.000 26.02%
2000 7.468.000 85.28%
2001 7.732.000 3.41%
2002 8.852.000 12.65%
2003 9.661.000 8.37%
2004 9.655.000 -0.06%
2005 10.379.000 6.98%
2006 11.692.000 11.23%
2007 12.813.000 8.75%
2008 13.105.000 2.23%
2009 13.152.000 0.36%
2010 13.910.000 5.45%
2011 15.344.000 9.35%
2012 15.044.000 -1.99%
2013 16.263.000 7.5%
2014 15.218.000 -6.87%
2015 12.505.000 -21.7%
2016 17.531.000 28.67%
2017 18.705.000 6.28%
2018 20.584.000 9.13%
2019 22.299.000 7.69%
2020 18.269.000 -22.06%
2021 32.276.000 43.4%
2022 36.862.000 12.44%
2023 42.164.000 12.57%
2023 49.852.000 15.42%
2024 54.264.000 8.13%

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 Bankshares Corporation Net Profit
Year Net Profit Growth
1997 1.717.000
1998 1.517.000 -13.18%
1999 1.555.000 2.44%
2000 1.758.000 11.55%
2001 1.463.000 -20.16%
2002 1.886.000 22.43%
2003 1.772.000 -6.43%
2004 1.819.000 2.58%
2005 2.107.000 13.67%
2006 2.412.000 12.65%
2007 2.600.000 7.23%
2008 306.000 -749.67%
2009 351.000 12.82%
2010 687.000 48.91%
2011 1.063.000 35.37%
2012 1.338.000 20.55%
2013 2.651.000 49.53%
2014 2.149.000 -23.36%
2015 2.740.000 21.57%
2016 3.004.000 8.79%
2017 2.748.000 -9.32%
2018 4.160.000 33.94%
2019 4.396.000 5.37%
2020 3.062.000 -43.57%
2021 4.375.000 30.01%
2022 8.242.000 46.92%
2023 11.176.000 26.25%
2023 9.762.000 -14.48%
2024 8.832.000 -10.53%

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 Bankshares Corporation Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1997 1
1998 1 0%
1999 1 0%
2000 1 0%
2001 1 0%
2002 1 0%
2003 1 0%
2004 1 0%
2005 1 0%
2006 2 0%
2007 2 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 1 0%
2012 1 0%
2013 2 100%
2014 1 0%
2015 2 0%
2016 2 0%
2017 2 0%
2018 3 50%
2019 3 0%
2020 2 -100%
2021 2 50%
2022 4 33.33%
2023 5 40%
2023 4 -25%
2024 5 0%

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 Bankshares Corporation Free Cashflow
Year Free Cashflow Growth
1997 248.000
1998 368.000 32.61%
1999 516.000 28.68%
2000 1.324.000 61.03%
2001 2.413.000 45.13%
2002 2.938.000 17.87%
2003 2.693.000 -9.1%
2004 2.467.000 -9.16%
2005 2.493.000 1.04%
2006 2.926.000 14.8%
2007 3.404.000 14.04%
2008 1.116.000 -205.02%
2009 -330.000 438.18%
2010 3.457.000 109.55%
2011 3.978.000 13.1%
2012 3.278.000 -21.35%
2013 473.000 -593.02%
2014 1.054.000 55.12%
2015 3.287.000 67.93%
2016 -896.000 466.85%
2017 -384.000 -133.33%
2018 5.695.000 106.74%
2019 4.646.000 -22.58%
2020 -216.000 2250.93%
2021 2.173.000 109.94%
2022 8.257.000 73.68%
2023 2.479.000 -233.08%
2024 0 0%

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 Bankshares Corporation Operating Cashflow
Year Operating Cashflow Growth
1997 2.403.000
1998 1.748.000 -37.47%
1999 1.701.000 -2.76%
2000 1.961.000 13.26%
2001 2.630.000 25.44%
2002 3.054.000 13.88%
2003 2.693.000 -13.41%
2004 2.467.000 -9.16%
2005 2.711.000 9%
2006 3.218.000 15.76%
2007 3.773.000 14.71%
2008 2.968.000 -27.12%
2009 766.000 -287.47%
2010 3.683.000 79.2%
2011 4.127.000 10.76%
2012 3.647.000 -13.16%
2013 1.946.000 -87.41%
2014 2.648.000 26.51%
2015 4.034.000 34.36%
2016 3.108.000 -29.79%
2017 4.460.000 30.31%
2018 6.109.000 26.99%
2019 5.471.000 -11.66%
2020 2.048.000 -167.14%
2021 3.197.000 35.94%
2022 8.659.000 63.08%
2023 4.311.000 -100.86%
2024 0 0%

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 Bankshares Corporation Capital Expenditure
Year Capital Expenditure Growth
1997 2.155.000
1998 1.380.000 -56.16%
1999 1.185.000 -16.46%
2000 637.000 -86.03%
2001 217.000 -193.55%
2002 116.000 -87.07%
2003 0 0%
2004 0 0%
2005 218.000 100%
2006 292.000 25.34%
2007 369.000 20.87%
2008 1.852.000 80.08%
2009 1.096.000 -68.98%
2010 226.000 -384.96%
2011 149.000 -51.68%
2012 369.000 59.62%
2013 1.473.000 74.95%
2014 1.594.000 7.59%
2015 747.000 -113.39%
2016 4.004.000 81.34%
2017 4.844.000 17.34%
2018 414.000 -1070.05%
2019 825.000 49.82%
2020 2.264.000 63.56%
2021 1.024.000 -121.09%
2022 402.000 -154.73%
2023 1.832.000 78.06%
2024 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 Bankshares Corporation Equity
Year Equity Growth
1997 14.042.000
1998 15.142.000 7.26%
1999 15.590.000 2.87%
2000 17.300.000 9.88%
2001 18.460.000 6.28%
2002 20.372.000 9.39%
2003 21.435.000 4.96%
2004 22.207.000 3.48%
2005 23.212.000 4.33%
2006 24.492.000 5.23%
2007 26.816.000 8.67%
2008 24.919.000 -7.61%
2009 25.851.000 3.61%
2010 26.482.000 2.38%
2011 26.947.000 1.73%
2012 28.089.000 4.07%
2013 31.942.000 12.06%
2014 32.654.000 2.18%
2015 34.782.000 6.12%
2016 36.549.000 4.83%
2017 38.795.000 5.79%
2018 42.111.000 7.87%
2019 45.445.000 7.34%
2020 60.676.000 25.1%
2021 62.367.000 2.71%
2022 57.008.000 -9.4%
2023 62.893.000 9.36%
2023 68.405.000 8.06%
2024 72.763.000 5.99%

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 Bankshares Corporation Assets
Year Assets Growth
1997 131.650.000
1998 142.458.000 7.59%
1999 153.956.000 7.47%
2000 179.736.000 14.34%
2001 199.966.000 10.12%
2002 199.899.000 -0.03%
2003 206.344.000 3.12%
2004 219.813.000 6.13%
2005 233.490.000 5.86%
2006 256.421.000 8.94%
2007 279.913.000 8.39%
2008 321.243.000 12.87%
2009 332.210.000 3.3%
2010 337.113.000 1.45%
2011 342.484.000 1.57%
2012 348.694.000 1.78%
2013 358.601.000 2.76%
2014 362.188.000 0.99%
2015 371.261.000 2.44%
2016 440.104.000 15.64%
2017 443.925.000 0.86%
2018 470.611.000 5.67%
2019 500.530.000 5.98%
2020 860.832.000 41.86%
2021 1.015.863.000 15.26%
2022 969.931.000 -4.74%
2023 996.567.000 2.67%
2023 1.016.528.000 1.96%
2024 998.247.000 -1.83%

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 Bankshares Corporation Liabilities
Year Liabilities Growth
1997 1.000.000
1998 900.000 -11.11%
1999 800.000 -12.5%
2000 162.436.000 99.51%
2001 181.506.000 10.51%
2002 179.527.000 -1.1%
2003 184.909.000 2.91%
2004 197.606.000 6.43%
2005 210.278.000 6.03%
2006 231.929.000 9.34%
2007 253.097.000 8.36%
2008 296.324.000 14.59%
2009 306.359.000 3.28%
2010 310.631.000 1.38%
2011 315.537.000 1.55%
2012 320.605.000 1.58%
2013 326.659.000 1.85%
2014 329.534.000 0.87%
2015 336.479.000 2.06%
2016 403.555.000 16.62%
2017 405.130.000 0.39%
2018 428.500.000 5.45%
2019 205.000 -208924.39%
2020 800.156.000 99.97%
2021 953.496.000 16.08%
2022 912.923.000 -4.44%
2023 933.674.000 2.22%
2023 948.123.000 1.52%
2024 925.484.000 -2.45%

Pinnacle Bankshares Corporation Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
22.93
Net Income per Share
4.27
Price to Earning Ratio
6.91x
Price To Sales Ratio
1.27x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.89
EV to Sales
-0.48
EV Over EBITDA
-14.12
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.14
FreeCashFlow Yield
0
Market Cap
0,06 Bil.
Enterprise Value
-0,02 Bil.
Graham Number
56.45
Graham NetNet
-317.06

Income Statement Metrics

Net Income per Share
4.27
Income Quality
0
ROE
0.14
Return On Assets
0.01
Return On Capital Employed
0.06
Net Income per EBT
0.82
EBT Per Ebit
0.23
Ebit per Revenue
0.87
Effective Tax Rate
0.18

Margins

Sales, General, & Administrative to Revenue
0.32
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
1.06
Operating Profit Margin
0.87
Pretax Profit Margin
0.2
Net Profit Margin
0.16

Dividends

Dividend Yield
0.03
Dividend Yield %
3.39
Payout Ratio
0
Dividend Per Share
1

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.43
Return on Tangible Assets
0.01
Days Sales Outstanding
22.97
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
15.89
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
126,84
Book Value per Share
33,17
Tangible Book Value per Share
32.46
Shareholders Equity per Share
33.17
Interest Debt per Share
9.47
Debt to Equity
0.14
Debt to Assets
0.01
Net Debt to EBITDA
-51.23
Current Ratio
0.38
Tangible Asset Value
0,07 Bil.
Net Current Asset Value
-0,82 Bil.
Invested Capital
-141059000
Working Capital
-0,17 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
-96766000
Debt to Market Cap
0.16

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 Bankshares Corporation Dividends
Year Dividends Growth
1999 0
2000 1 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 1 0%
2007 1 0%
2008 1 0%
2009 0 0%
2010 0 0%
2012 0 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 0%
2023 1 0%
2024 1 0%

Pinnacle Bankshares Corporation Profile

About Pinnacle Bankshares Corporation

Pinnacle Bankshares Corporation operates as the bank holding company for First National Bank that provides a range of commercial and retail banking products and services. The company accepts checking accounts, savings and time deposits, individual retirement accounts, certificates of deposit, and money market accounts. Its loan products include residential and commercial mortgage loans, home equity loans, consumer installment loans, agricultural loans, investment loans, small business loans, commercial lines of credit, and letters of credit. The company also provides credit cards; insurance products, including property and casualty, life, and health; investment and annuity products; and overdraft protection, merchant bankcard processing, cash management, remote deposit capture, night drop, safe deposit boxes, and notary services, as well as telephone, mobile, and online banking services. It operates eighteen branches including one in the town of Amherst in Amherst County; two in Bedford County; two located in the town of Altavista in Campbell County; three in Campbell County; three in Pittsylvania County; three in the city of Danville; three in the city of Lynchburg; and one in the city of Charlottesville. The company was founded in 1908 and is headquartered in Altavista, Virginia.

CEO
Mr. Aubrey H. Hall III
Employee
175
Address
622 Broad Street
Altavista, 24517

Pinnacle Bankshares Corporation Executives & BODs

Pinnacle Bankshares Corporation Executives & BODs
# Name Age
1 Mr. Aubrey H. Hall III
President, Chief Executive Officer & Director
70
2 Mr. Bryan M. Lemley
Secretary, Treasurer & Chief Financial Officer
70

Pinnacle Bankshares Corporation Competitors