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Pinnacle Bancshares, Inc. PCLB

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Price alert · PCLB

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34.75 USD -0.09 -0.26%

As of Nov 2, 9:49 AM ET

34.75 Day range 34.75
31.01 52-week range 42.91
YTD
+6.33%
1 year
+12.06%
Open
34.75
Prev close
34.84
Mkt cap
31.22M
Vol
600
Avg vol
337
EPS
4.79
P/E
7.25
More statistics
Low
34.75
High
34.75

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Financial health

Altman Z-Score

0.37 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 4
  • Return on Equity 5
  • Return on Assets 3
  • Debt / Equity 3
  • P/E 4
  • P/B 2

Valuation

P/E 7.0×
FY 2016: 11.4×FY 2017: 10.1×FY 2018: 3.0×FY 2019: 10.6×FY 2020: 9.1×FY 2021: 8.3×FY 2022: 4.5×FY 2023: 3.9×FY 2024: 6.2×FY 2025: 7.0×
FY 2016 5y median 6.2× FY 2025
P/S 1.6×
FY 2016: 2.9×FY 2017: 2.6×FY 2018: 2.5×FY 2019: 2.6×FY 2020: 2.4×FY 2021: 2.8×FY 2022: 1.5×FY 2023: 1.1×FY 2024: 1.5×FY 2025: 1.6×
FY 2016 5y median 1.5× FY 2025
P/B 1.3×
FY 2016: 1.1×FY 2017: 0.9×FY 2018: 0.9×FY 2019: 1.0×FY 2020: 0.8×FY 2021: 1.1×FY 2022: 3.6×FY 2023: 1.4×FY 2024: 1.8×FY 2025: 1.3×
FY 2016 5y median 1.4× FY 2025
P/FCF 7.0×
FY 2016: 10.7×FY 2017: 17.5×FY 2018: 8.0×FY 2019: 8.1×FY 2020: 12.0×FY 2021: 11.9×FY 2022: 4.7×FY 2023: 3.9×FY 2024: 7.0×FY 2025: 7.0×
FY 2016 5y median 7.0× FY 2025
EV/EBITDA 6.1×
FY 2016: 8.8×FY 2017: 74.3×FY 2018: 3.1×FY 2019: 6.9×FY 2020: 6.1×FY 2021: 4.8×FY 2022: 1.6×FY 2023: 1.9×FY 2024: 2.2×FY 2025: 6.1×
FY 2016 5y median 2.2× FY 2025
EV/Sales 1.9×
FY 2016: 3.1×FY 2017: 2.9×FY 2018: 2.6×FY 2019: 2.3×FY 2020: 2.2×FY 2021: 2.2×FY 2022: 0.7×FY 2023: 0.7×FY 2024: 0.7×FY 2025: 1.9×
FY 2016 5y median 0.7× FY 2025
FCF Yield 14.2%
FY 2016: 9.4%FY 2017: 5.7%FY 2018: 12.5%FY 2019: 12.3%FY 2020: 8.3%FY 2021: 8.4%FY 2022: 21.2%FY 2023: 25.8%FY 2024: 14.3%FY 2025: 14.2%
FY 2016 5y median 14.3% FY 2025

Profitability

Gross Margin 76.1%
FY 2016: 76.7%FY 2017: 78.4%FY 2018: 81.4%FY 2019: 91.1%FY 2020: 92.8%FY 2021: 96.1%FY 2022: 94.9%FY 2023: 84.6%FY 2024: 76.7%FY 2025: 76.1%
FY 2016 5y median 84.6% FY 2025
Operating Margin 29.2%
FY 2016: 32.0%FY 2017: 32.3%FY 2018: 33.2%FY 2019: 30.7%FY 2020: 33.3%FY 2021: 42.2%FY 2022: 41.2%FY 2023: 36.1%FY 2024: 29.9%FY 2025: 29.2%
FY 2016 5y median 36.1% FY 2025
Net Margin 23.4%
FY 2016: 25.6%FY 2017: 26.0%FY 2018: 81.4%FY 2019: 24.9%FY 2020: 26.6%FY 2021: 34.3%FY 2022: 32.1%FY 2023: 28.1%FY 2024: 23.5%FY 2025: 23.4%
FY 2016 5y median 28.1% FY 2025
ROE 18.5%
FY 2016: 9.6%FY 2017: 8.8%FY 2018: 28.4%FY 2019: 9.4%FY 2020: 9.3%FY 2021: 13.2%FY 2022: 78.5%FY 2023: 35.0%FY 2024: 29.3%FY 2025: 18.5%
FY 2016 5y median 29.3% FY 2025
ROIC 1.2%
FY 2016: 1.4%FY 2017: 1.4%FY 2018: 1.4%FY 2019: 8.1%FY 2020: 7.9%FY 2021: 11.5%FY 2022: 43.5%FY 2023: 15.0%FY 2024: 14.8%FY 2025: 1.2%
FY 2016 5y median 14.8% FY 2025
ROA 1.2%
FY 2016: 1.1%FY 2017: 1.1%FY 2018: 3.5%FY 2019: 1.3%FY 2020: 1.2%FY 2021: 1.4%FY 2022: 1.4%FY 2023: 1.3%FY 2024: 1.2%FY 2025: 1.2%
FY 2016 5y median 1.3% FY 2025

Growth (YoY)

Revenue 3.5%
FY 2016: 1.9%FY 2017: -0.9%FY 2018: 7.2%FY 2019: 22.5%FY 2020: 3.0%FY 2021: 14.5%FY 2022: 2.5%FY 2023: 13.9%FY 2024: 8.6%FY 2025: 3.5%
FY 2016 FY 2025
Operating Income 1.1%
FY 2016: 6.3%FY 2017: -0.0%FY 2018: 10.1%FY 2019: 13.4%FY 2020: 11.5%FY 2021: 45.3%FY 2022: -0.1%FY 2023: -0.2%FY 2024: -10.2%FY 2025: 1.1%
FY 2016 FY 2025
EPS (diluted) 4.0%
FY 2016: 5.9%FY 2017: 10.6%FY 2018: 235.9%FY 2019: -62.2%FY 2020: 15.1%FY 2021: 50.5%FY 2022: -0.8%FY 2023: 2.9%FY 2024: -9.1%FY 2025: 4.0%
FY 2016 FY 2025
Free Cash Flow 15.1%
FY 2016: -2.8%FY 2017: -45.8%FY 2018: 120.5%FY 2019: 28.5%FY 2020: -35.3%FY 2021: 34.0%FY 2022: 32.9%FY 2023: 5.2%FY 2024: -20.2%FY 2025: 15.1%
FY 2016 FY 2025

Financial Health

Current Ratio 1.2×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 11.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 1.2×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 1.2×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 11.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 1.2×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.4×
FY 2016: 0.1×FY 2017: 0.2×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.6×FY 2023: 1.2×FY 2024: 0.5×FY 2025: 0.4×
FY 2016 5y median 0.5× FY 2025
Net Debt / EBITDA 0.9×
FY 2016: 0.4×FY 2017: 8.1×FY 2018: 0.2×FY 2019: -0.9×FY 2020: -0.6×FY 2021: -1.5×FY 2022: -1.7×FY 2023: -0.9×FY 2024: -2.3×FY 2025: 0.9×
FY 2016 5y median -1.5× FY 2025
Interest Coverage 1.2×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 3.5×FY 2020: 4.6×FY 2021: 10.7×FY 2022: 8.0×FY 2023: 2.3×FY 2024: 1.3×FY 2025: 1.2×
FY 2016 5y median 2.3× FY 2025

Dividends

Dividend Yield 3.3%
FY 2016: 1.9%FY 2017: 2.0%FY 2018: 2.0%FY 2019: 2.6%FY 2020: 2.6%FY 2021: 2.2%FY 2022: 4.6%FY 2023: 5.6%FY 2024: 3.9%FY 2025: 3.3%
FY 2016 5y median 3.9% FY 2025
Payout Ratio 23.2%
FY 2016: 22.2%FY 2017: 20.0%FY 2018: 6.0%FY 2019: 27.2%FY 2020: 23.7%FY 2021: 18.2%FY 2022: 20.9%FY 2023: 21.9%FY 2024: 24.1%FY 2025: 23.2%
FY 2016 5y median 21.9% FY 2025

Annual · latest fiscal year ends 2025-12-31