Pinnacle Bankshares Corporation PPBN

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Price alert · PPBN

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61.50 USD 0.00 0.00%

At close · Oct 30

61.05 Day range 61.50
38.51 52-week range 68.87
YTD
+35.16%
1 year
+61.84%
Open
61.15
Prev close
61.50
Mkt cap
132.92M
Vol
260
Avg vol
1.33K
EPS
7.29
P/E
8.44
More statistics
Low
61.05
High
61.50

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Financial health

Altman Z-Score

0.46 Distress zone

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

Piotroski F-Score

5 / 9 Average

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

FMP rating

C+2 / 5 overall

  • DCF 4
  • Return on Equity 1
  • Return on Assets 1
  • Debt / Equity 1
  • P/E 4
  • P/B 1

Valuation

P/E 9.4×
FY 2016: 14.7×FY 2017: 16.4×FY 2018: 10.1×FY 2019: 11.2×FY 2020: 12.4×FY 2021: 12.2×FY 2022: 5.1×FY 2023: 5.4×FY 2024: 7.5×FY 2025: 9.4×
FY 2016 5y median 7.5× FY 2025
P/S 2.1×
FY 2016: 2.3×FY 2017: 2.2×FY 2018: 1.9×FY 2019: 2.0×FY 2020: 1.4×FY 2021: 1.6×FY 2022: 1.1×FY 2023: 1.1×FY 2024: 1.2×FY 2025: 2.1×
FY 2016 5y median 1.2× FY 2025
P/B 1.4×
FY 2016: 1.2×FY 2017: 1.2×FY 2018: 1.0×FY 2019: 1.1×FY 2020: 0.7×FY 2021: 0.9×FY 2022: 0.7×FY 2023: 0.8×FY 2024: 0.9×FY 2025: 1.4×
FY 2016 5y median 0.9× FY 2025
P/FCF 12.9×
FY 2016: -49.1×FY 2017: -117×FY 2018: 7.4×FY 2019: 10.6×FY 2020: -177×FY 2021: 24.6×FY 2022: 5.1×FY 2023: 15.1×FY 2024: 5.8×FY 2025: 12.9×
FY 2016 5y median 12.9× FY 2025
EV/EBITDA 0.2×
FY 2016: -0.6×FY 2017: 6.8×FY 2018: 4.6×FY 2019: 2.6×FY 2020: -32.2×FY 2021: -36.4×FY 2022: 1.3×FY 2023: -1.9×FY 2024: -2.5×FY 2025: 0.2×
FY 2016 5y median -1.9× FY 2025
EV/Sales 0.1×
FY 2016: -0.2×FY 2017: 1.6×FY 2018: 1.2×FY 2019: 0.6×FY 2020: -6.1×FY 2021: -7.0×FY 2022: 0.4×FY 2023: -0.5×FY 2024: -0.5×FY 2025: 0.1×
FY 2016 5y median -0.5× FY 2025
FCF Yield 7.8%
FY 2016: -2.0%FY 2017: -0.9%FY 2018: 13.5%FY 2019: 9.4%FY 2020: -0.6%FY 2021: 4.1%FY 2022: 19.7%FY 2023: 6.6%FY 2024: 17.3%FY 2025: 7.8%
FY 2016 5y median 7.8% FY 2025

Profitability

Gross Margin 80.6%
FY 2016: 91.6%FY 2017: 90.6%FY 2018: 88.9%FY 2019: 89.0%FY 2020: 89.6%FY 2021: 94.2%FY 2022: 96.0%FY 2023: 82.2%FY 2024: 76.5%FY 2025: 80.6%
FY 2016 5y median 82.2% FY 2025
Operating Margin 22.5%
FY 2016: 23.1%FY 2017: 21.2%FY 2018: 22.5%FY 2019: 21.6%FY 2020: 15.6%FY 2021: 15.5%FY 2022: 26.3%FY 2023: 23.9%FY 2024: 39.3%FY 2025: 22.5%
FY 2016 5y median 23.9% FY 2025
Net Margin 18.2%
FY 2016: 15.8%FY 2017: 13.5%FY 2018: 18.5%FY 2019: 17.7%FY 2020: 11.4%FY 2021: 13.0%FY 2022: 21.6%FY 2023: 19.8%FY 2024: 16.5%FY 2025: 18.2%
FY 2016 5y median 18.2% FY 2025
ROE 12.0%
FY 2016: 8.2%FY 2017: 7.1%FY 2018: 9.9%FY 2019: 9.7%FY 2020: 5.2%FY 2021: 7.0%FY 2022: 14.5%FY 2023: 14.3%FY 2024: 11.7%FY 2025: 12.0%
FY 2016 5y median 12.0% FY 2025
ROIC 11.6%
FY 2016: 7.5%FY 2017: 6.5%FY 2018: 0.9%FY 2019: 8.8%FY 2020: 3.9%FY 2021: 0.8%FY 2022: 11.7%FY 2023: 11.7%FY 2024: 2.4%FY 2025: 11.6%
FY 2016 5y median 11.6% FY 2025
ROA 1.0%
FY 2016: 0.7%FY 2017: 0.6%FY 2018: 0.9%FY 2019: 0.9%FY 2020: 0.4%FY 2021: 0.4%FY 2022: 0.8%FY 2023: 1.0%FY 2024: 0.9%FY 2025: 1.0%
FY 2016 5y median 0.9% FY 2025

Growth (YoY)

Revenue 6.2%
FY 2016: 6.7%FY 2017: 6.9%FY 2018: 10.3%FY 2019: 10.6%FY 2020: 7.7%FY 2021: 25.4%FY 2022: 13.8%FY 2023: 29.2%FY 2024: 12.7%FY 2025: 6.2%
FY 2016 FY 2025
Operating Income -39.2%
FY 2016: 8.7%FY 2017: -1.9%FY 2018: 17.0%FY 2019: 6.2%FY 2020: -22.1%FY 2021: 24.9%FY 2022: 92.4%FY 2023: 17.4%FY 2024: 85.7%FY 2025: -39.2%
FY 2016 FY 2025
EPS (diluted) 16.9%
FY 2016: 9.5%FY 2017: -9.2%FY 2018: 50.6%FY 2019: 5.2%FY 2020: -34.8%FY 2021: 9.8%FY 2022: 87.1%FY 2023: 17.7%FY 2024: -6.7%FY 2025: 16.9%
FY 2016 FY 2025
Free Cash Flow -18.6%
FY 2016: -127.3%FY 2017: 57.1%FY 2018: 1583.1%FY 2019: -18.4%FY 2020: -104.6%FY 2021: 1106.0%FY 2022: 280.0%FY 2023: -57.9%FY 2024: 242.6%FY 2025: -18.6%
FY 2016 FY 2025

Financial Health

Current Ratio 0.3×
FY 2016: 0.2×FY 2017: 0.1×FY 2018: 2408×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 2771×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.3×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 0.3×
FY 2016: 0.2×FY 2017: 0.1×FY 2018: 2408×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 4748×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.3×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 0.0×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.0×
FY 2016 5y median 0.1× FY 2025
Net Debt / EBITDA -8.3×
FY 2016: -9.8×FY 2017: -2.5×FY 2018: -2.8×FY 2019: -5.4×FY 2020: -39.7×FY 2021: -44.7×FY 2022: -2.4×FY 2023: -6.0×FY 2024: -8.7×FY 2025: -8.3×
FY 2016 5y median -8.3× FY 2025
Interest Coverage 1.2×
FY 2016: 2.9×FY 2017: 2.6×FY 2018: 2.7×FY 2019: 2.1×FY 2020: 1.7×FY 2021: 3.0×FY 2022: 7.4×FY 2023: 1.4×FY 2024: 1.8×FY 2025: 1.2×
FY 2016 5y median 1.8× FY 2025

Dividends

Dividend Yield 1.9%
FY 2016: 1.3%FY 2017: 1.4%FY 2018: 1.6%FY 2019: 1.7%FY 2020: 2.5%FY 2021: 2.2%FY 2022: 3.2%FY 2023: 3.5%FY 2024: 3.2%FY 2025: 1.9%
FY 2016 5y median 3.2% FY 2025
Payout Ratio 21.9%
FY 2016: 19.3%FY 2017: 22.3%FY 2018: 16.4%FY 2019: 19.2%FY 2020: 31.3%FY 2021: 27.1%FY 2022: 16.1%FY 2023: 19.1%FY 2024: 24.1%FY 2025: 21.9%
FY 2016 5y median 21.9% FY 2025

Annual · latest fiscal year ends 2025-12-31