Pinnacle Bankshares Corp PPBN

FinancialsBanking ServicesUnited States of America

Last close 61.47 USD on Nov 2, 2026, +37.4% year to date

Quant rating

Quant rating D Rank 731 of 799 in Financials

Growth D 609 of 799
Valuation D 735 of 799
Quality D 715 of 799
Revisions D 617 of 799
Momentum B 133 of 799

Historical valuation

Valuation history unavailable.

Key data

Market cap: 133M
Enterprise value: 133M
52-week range: 38.51 – 68.87
3-year range: 19.95 – 68.87
Dividend yield: 2.15%
Beta (5 years): 0.27
Shares outstanding: 2.2M
Next earnings: –

About the company

Pinnacle Bankshares Corporation is a bank holding company, which operates its business activities through its wholly owned subsidiary, First National Bank (The Bank). The Bank offers a range of commercial and retail banking products and services, including checking, savings and time deposits, individual retirement accounts, online banking, mobile banking, remote deposit capture, merchant bankcard processing, residential and commercial mortgages, home equity loans, consumer installment loans, agricultural loans, investment loans, small business loans, commercial loans, lines of credit and letters of credit. It also offers a full range of investment, insurance and annuity products. The Bank serves market areas consisting primarily of all or portions of the Counties of Amherst, Bedford, Campbell and Pittsylvania, and the Cities of Charlottesville, Danville and Lynchburg. The Company has over 19 branches. The Bank’s subsidiaries include FNB Property Corp. and First Properties, Inc.

Growth and profitability

Growth and profitability by fiscal year
	2024	2023	2022	2021	2020	5Y avg
Revenue (mil)	47.7	41.9	31.8	26.8	20.8	–
Revenue growth	14.0%	31.8%	18.5%	29.0%	2.7%	18.7%
EPS (basic, normalized)	–	–	–	–	2.40	–
EPS growth	–	–	–	–	–	–
Gross margin	–	–	–	–	–	–
Net margin	–	–	–	–	14.7%	14.7%
ROE	–	9.7%	9.9%	–	–	9.8%

Balance sheet, last quarter
Cash & short-term investments (mil)	–
Tier 1 risk-adjusted capital ratio	–
Long-term debt (mil)	–
Net debt (mil)	–
Total equity (mil)	87.7
Net debt / equity	–

Estimates and valuation

Consensus estimates and implied multiples
	Sales (mil)			Book value per share			EPS
Fiscal year	Mean est.	Growth	EV/Sales	Mean est.	Growth	P/B	Mean est.	Growth	P/E
2024 actual	47.7	+14.0%	2.8x	–	–	–	0.21	−88.1%	292.7x

Estimate revisions

Change in consensus estimates over 1, 3 and 6 months
	Sales				EPS
Fiscal year	Estimate (mil)	1M	3M	6M	Estimate	1M	3M	6M
2025	–	–	–	–	–	–	–	–
2026	–	–	–	–	–	–	–	–
2027	–	–	–	–	–	–	–	–

Earnings surprises

Reported results versus consensus, last 10 fiscal quarters
Quarter ended	Mar 2007	Jun 2007	Sep 2007	Dec 2007	Mar 2008	Jun 2008	Sep 2008	Dec 2008	Mar 2009	Jun 2009
Sales reported (mil)	3.0	3.2	3.3	–	3.1	3.4	–	–	–	–
Sales mean (mil)	–	–	–	–	–	–	–	–	–	–
Surprise	–	–	–	–	–	–	–	–	–	–
EPS reported	0.39	0.44	0.53	0.40	0.33	0.37	0.31	−0.80	−0.15	0.17
EPS mean	–	–	–	–	–	–	–	–	–	–
Surprise	–	–	–	–	–	–	–	–	–	–

Peer comparison Banking Services

Peers in the same industry group, by market capitalization
Company	Market cap	Tier 1 ratio	Net margin	Deposits/loans	FY1 P/E	FY2 P/E	FY1 P/B	FY2 P/B
PPBN Pinnacle Bankshares Corp	133M	–	–	1.34x	–	–	–	–
FBAK First National Bank Alaska	1.1B	18.3%	32.8%	1.22x	–	–	–	–
BSRR Sierra Bancorp	546M	–	24.7%	1.14x	11.3x	10.9x	1.5x	1.3x
WBBW Westbury Bancorp Inc	234M	–	28.5%	1.22x	–	–	–	–
PSBQ PSB Holdings Inc	211M	–	17.6%	1.07x	–	–	–	–
UBAB United Bancorporation of Alabama Inc	190M	–	5.0%	1.53x	–	–	–	–
Mean		18.3%	21.7%	1.25x	11.3x	10.9x	1.5x	1.3x
Median		18.3%	24.7%	1.22x	11.3x	10.9x	1.5x	1.3x

Technical analysis

1M−2.5%
3M+3.0%
1Y+60.4%
3Y+230.2%

Financial statements in millions of USD

Income statement in millions of USD, fiscal years

Income statement, Pinnacle Bankshares Corp, fiscal years, most recent first
	2024	2023	2022	2021	2020	2019
Interest income	47.7	41.9	31.8	26.8	20.8	20.2
Total interest expense	12.3	8.7	1.3	1.7	2.5	2.6
Net interest income	35.4	33.2	30.4	25.1	18.3	17.7
Loan loss provision	0.8	0.1	0.2	0.2	0.3	0.2
Net interest income after loan loss provision	–	–	–	–	18.0	–
Non-interest income	7.9	8.0	7.0	7.2	8.7	4.6
Non-interest expense	−31.4	−29.3	−27.2	−26.8	−22.5	−16.8
Net income before taxes	–	–	–	–	4.2	–
Provision for taxes	–	–	–	–	1.1	–
Minority interest & equity in affiliates	–	–	–	–	–	–
Other	–	–	–	–	0	–
Net income before extraordinary items	–	–	–	–	3.1	–
Extraordinary items	–	–	–	–	–	–
Net income	–	–	–	–	3.1	–
Basic weighted average shares (mil)	–	–	–	–	2.2	–
Diluted weighted average shares (mil)	–	–	–	–	2.2	–
Basic EPS excluding extraordinary items	–	–	–	–	1.42	–
Basic EPS, normalized	–	–	–	–	2.40	–

Balance sheet in millions of USD, fiscal years

Balance sheet, Pinnacle Bankshares Corp, fiscal years, most recent first
	2024	2023	2022	2021	2020	2019
Assets
Cash & due from banks	108	87.6	36.5	299	211	32.9
Other earning assets	176	234	251	121	48.0	45.8
Net loans	712	641	633	552	560	390
Property, plant & equipment	–	–	–	–	22.7	15.5
Goodwill	–	–	–	–	0.5	0.5
Intangibles	–	–	–	–	1.6	0
Long-term investments	–	–	–	–	–	–
Other long-term assets	–	–	–	–	–	–
Other assets	–	–	–	–	16.9	15.9
Total assets	1,044	1,017	970	1,016	861	501
Liabilities
Accounts payable	–	–	–	–	0.2	0.2
Payable/accrued	–	–	–	–	–	–
Accrued expenses	–	–	–	–	–	–
Total deposits	951	932	899	938	781	450
Other bearing liabilities	–	–	–	–	–	–
Short-term borrowings	–	–	–	–	–	–
Current portion of long-term debt	–	–	–	–	–	–
Long-term debt	–	–	–	–	10.0	0
Minority interest	–	–	–	–	–	–
Other liabilities	14.7	15.7	13.7	15.4	10.6	4.6
Total liabilities	966	948	913	953	802	455
Shareholders' equity
Preferred stock	–	–	–	–	–	–
Common stock	–	–	–	–	6.4	4.6
Additional paid-in capital	–	–	–	–	11.3	1.5
Retained earnings (accumulated deficit)	–	–	–	–	44.5	42.4
Treasury stock	–	–	–	–	–	–
Other equity	78.4	68.4	57.0	62.4	−3.8	−3.0
Total equity	78.4	68.4	57.0	62.4	58.3	45.4
Total liabilities & shareholders' equity	–	–	–	–	861	501

Cash flow statement in millions of USD, fiscal years

Cash flow statement, Pinnacle Bankshares Corp, fiscal years, most recent first
	2024	2023	2022	2021	2020	2019
Operating activities
Net income	–	–	–	–	3.1	–
Depreciation, depletion & amortization	–	–	–	–	0.9	–
Deferred taxes	–	–	–	–	1.2	–
Non-cash items	–	–	–	–	−3.2	–
Changes in working capital	–	–	–	–	0.1	–
Cash from operations	–	–	–	–	2.0	–
Investing activities
Capital expenditures	–	–	–	–	−2.3	–
Other investing cash flows	–	–	–	–	50.4	–
Cash from investing	–	–	–	–	48.1	–
Financing activities
Financing cash flow items	–	–	–	–	119	–
Cash dividends paid	–	–	–	–	−1.0	–
Issuance (retirement) of debt, net	–	–	–	–	–	–
Other financing cash flows	–	–	–	–	10.0	–
Cash from financing	–	–	–	–	128	–
Foreign exchange effects	–	–	–	–	–	–
Net change in cash	–	–	–	–	178	–
Free cash flow	–	–	–	–	−0.2	–

Disclaimer

The financial data presented in this report is delayed and obtained from sources QDD Research believes to be reliable, including stock exchanges, SEDAR, and EDGAR. However, no representation or warranty is made as to the accuracy, completeness, or timeliness of the information. QDD Research accepts no liability for any errors, omissions, or financial losses arising from the use of this data.

This report is generated using a fully systematic and quantitative approach. All factor scores and the overall quant rating (ranging from D to A+) are derived from algorithmic models and are based solely on objective financial metrics. These scores are intended for informational purposes only and should not be interpreted as investment advice or a recommendation to buy, sell, or hold any securities.

QDD Research is not a registered investment advisor or broker-dealer and does not provide personalized financial advice. The content is not tailored to the specific investment goals, financial situation, or risk profile of any individual investor. We strongly encourage readers to consult with a licensed broker or investment advisor before making any investment decisions based on the information contained in this report.

Live quote provided by TradingView. Report data updated Nov 2, 2026 after market close.