Pinnacle Bankshares Corporation (PPBN) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Pinnacle Bankshares Corporation (PPBN) trades at $66.00 with AI Score 56/100 (Grade B). Pinnacle Bankshares Corporation operates as the bank holding company for First National Bank, offering commercial and retail banking services. Market cap: $147M, Sector: Financial services.
Price as of Aug 20, 2026 · Last analyzed: Mar 16, 2026Analyst Coverage for PPBN: PPBN does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates PPBN against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
PPBN: the 2 scored disciplines are evenly split. Dominant signal: Ray Dalio bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Pinnacle Bankshares Corporation (PPBN) Financial Services Profile
Pinnacle Bankshares Corporation, operating as First National Bank, provides commercial and retail banking services in Virginia. With a focus on traditional banking products and a community-centered approach, Pinnacle Bankshares competes with larger regional and national banks while navigating the evolving financial landscape and serving local customer needs.
What Is the Investment Thesis for PPBN?
Pinnacle Bankshares Corporation presents a community banking model with a focus on serving local markets in Virginia. With a market capitalization of $147M and a return on equity (ROE) of 12.8%, the bank demonstrates profitability and efficiency. The company's profit margin of 22.6% indicates effective cost management and revenue generation. Key value drivers include the expansion of its loan portfolio, particularly in commercial and residential mortgages, and the growth of its deposit base through competitive interest rates and customer service. Potential catalysts include strategic expansion into underserved markets within Virginia and the continued adoption of digital banking services. However, investors may want to evaluate the risks associated with operating in a highly regulated industry and the potential impact of economic downturns on loan performance.
Based on FMP financials and quantitative analysis
PPBN Key Highlights
Market capitalization of $147M, reflecting the company's size and market value.
- Profit margin of 22.6%, indicating efficient operations and profitability.
- Return on Equity (ROE) of 12.8%, demonstrating the company's ability to generate profits from shareholders' equity.
- Beta of 0.24, suggesting lower volatility compared to the overall market.
- Operates branches in multiple counties and cities in Virginia, providing a localized banking presence.
Who Are PPBN's Competitors?
PPBN is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CASH Pathward Financial, Inc. | $83.49 | -0.26% | $1.76B | 91 |
| BANC Banc of California, Inc. | $18.86 | -0.40% | $2.90B | — |
| FCCO First Community Corporation | $33.96 | +0.47% | $319M | 67 |
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
| ATLO Ames National Corporation | $31.73 | +1.44% | $281M | 92 |
| FDBC Fidelity D & D Bancorp, Inc. | $54.33 | +0.15% | $315M | 91 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are PPBN's Key Strengths?
Strong local presence and community relationships.
- Conservative underwriting practices.
- Experienced management team.
- Profitable operations with a healthy ROE.
What Are PPBN's Weaknesses?
Limited geographic reach compared to larger banks.
- Dependence on traditional banking products and services.
- Lower brand recognition outside of its service areas.
- Limited resources for technology investments.
What Could Drive PPBN Stock Higher?
Potential expansion into new markets within Virginia in the next 1-2 years.
- Continued adoption of digital banking services by customers.
- Strategic partnerships with local businesses to drive loan growth.
What Are the Key Risks for PPBN?
Financial-distress signal — its Altman Z-Score of 0.54 sits in the distress zone (elevated bankruptcy risk).
- Economic downturns affecting loan performance and asset quality.
- Rising interest rates increasing borrowing costs and impacting loan demand.
- Competition from larger national banks and credit unions.
- Regulatory changes increasing compliance costs.
What Are the Growth Opportunities for PPBN?
- Expansion into Underserved Markets: Pinnacle Bankshares can expand its presence by opening new branches or acquiring smaller banks in underserved markets within Virginia. This strategy allows the company to increase its market share and customer base, driving revenue growth. The market size for community banking in Virginia is estimated to be $50 billion, providing ample opportunity for expansion. Timeline: 2-3 years.
- Digital Banking Adoption: Investing in and promoting its digital banking platform can attract younger, tech-savvy customers and improve operational efficiency. By offering user-friendly mobile and online banking services, Pinnacle Bankshares can enhance customer experience and reduce costs. The digital banking market is projected to grow at a rate of 10% annually. Timeline: Ongoing.
- Strategic Partnerships: Collaborating with local businesses and community organizations can enhance Pinnacle Bankshares' brand reputation and attract new customers. By offering specialized financial products and services tailored to the needs of local businesses, the company can foster stronger relationships and drive loan growth. The market size for small business lending in Virginia is estimated to be $10 billion. Timeline: Ongoing.
- Wealth Management Services: Expanding its wealth management services can generate additional revenue streams and diversify its business model. By offering financial planning, investment management, and trust services, Pinnacle Bankshares can cater to the needs of high-net-worth individuals and families. The wealth management market is projected to grow at a rate of 8% annually. Timeline: 3-5 years.
- Mortgage Lending Growth: Focusing on growing its mortgage lending portfolio can capitalize on the demand for housing in its service areas. By offering competitive interest rates and flexible loan terms, Pinnacle Bankshares can attract homebuyers and increase its loan volume. The mortgage lending market is estimated to be $20 billion in Virginia. Timeline: Ongoing.
What Are PPBN's Competitive Advantages?
- Established local presence and brand recognition in its service areas.
- Strong customer relationships built on personalized service.
- Local market expertise and knowledge of the community.
- Conservative underwriting practices and risk management.
What Does PPBN Do?
Founded in 1908 and headquartered in Altavista, Virginia, Pinnacle Bankshares Corporation serves as the bank holding company for First National Bank. The bank offers a comprehensive suite of commercial and retail banking products and services, including checking accounts, savings and time deposits, individual retirement accounts, certificates of deposit, and money market accounts. Loan products encompass 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. In addition to traditional banking services, Pinnacle Bankshares provides credit cards, insurance products (property and casualty, life, and health), treasury services, investment and annuity products, and various digital banking solutions such as online bill pay, mobile capture, and digital wallets. The company operates through branches located in Amherst County, Bedford County, Campbell County, and Pittsylvania County, as well as the cities of Danville, Lynchburg, and Charlottesville, focusing on serving the banking needs of individuals and businesses within these communities. Pinnacle Bankshares is committed to providing personalized customer service and building long-term relationships with its clients.
What Products and Services Does PPBN Offer?
- Offers checking accounts, savings accounts, and certificates of deposit.
- Provides residential and commercial mortgage loans.
- Offers home equity loans and consumer installment loans.
- Provides agricultural and small business loans.
- Offers commercial loans and lines of credit.
- Provides credit cards and insurance products.
- Offers treasury services and investment products.
- Provides online and mobile banking services.
How Does PPBN Make Money?
- Generates revenue through interest income from loans.
- Earns fees from services such as credit cards, insurance, and treasury services.
- Grows its deposit base through competitive interest rates and customer service.
- Manages risk through underwriting standards and diversification of its loan portfolio.
What Industry Does PPBN Operate In?
Pinnacle Bankshares Corporation operates within the regional banking sector, which is characterized by intense competition from larger national banks, credit unions, and fintech companies. The industry is influenced by factors such as interest rate fluctuations, regulatory changes, and technological advancements. Regional banks like Pinnacle Bankshares differentiate themselves through personalized customer service, local market expertise, and community involvement. The market is seeing increased adoption of digital banking solutions, requiring regional banks to invest in technology to remain competitive.
Who Are PPBN's Key Customers?
- Individuals seeking personal banking services.
- Small businesses requiring loans and banking solutions.
- Commercial clients needing financing and treasury services.
- Agricultural clients needing loans for farming operations.
Financial Health
Pinnacle Bankshares Corporation's Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.54 places it in the distress zone, a signal of elevated financial risk.
Key Financial Metrics
Return on equity for Pinnacle Bankshares Corporation stands at 43.6%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 3.5%, showing how much profit it generates from its asset base. PPBN trades at a trailing price-to-earnings ratio of 3.19, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.30 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 31.4%, the inverse of the P/E and a quick read on earnings relative to price.
Pinnacle Bankshares Corporation (PPBN) Valuation Context
Valued at $147M, PPBN is classified as a micro-cap stock. Relative to its peer group, PPBN's quantitative score of 56/100 is below the peer average of 86/100.
PPBN Revenue & Earnings Trend
In Q2 2026, PPBN generated $19.9M in top-line revenue, marking a sequential increase of 33.0%. The company recorded net income of $6.5M, with diluted EPS of $2.99. Quarter-over-quarter revenue has been mixed, typical for a micro-cap company operating in Financial Services. Across the four most recent quarters, PPBN averaged $4.65 in diluted EPS.
Company Profile
Pinnacle Bankshares Corporation operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Altavista, US. The company is led by CEO Aubrey H. Hall. PPBN has traded publicly since 1999.
PPBN Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future performance, which often reflects positive sentiment among management.
- Community sentiment has shifted positively, with discussions highlighting strong customer relationships and community engagement as key strengths.
- Market perception is buoyed by recent announcements of new initiatives aimed at expanding service offerings, appealing to a broader customer base.
- Analysts are noting the bank's solid fundamentals, including a strong balance sheet and low non-performing loans, indicating stability.
Bear Case
- Concerns about rising interest rates have led to apprehension in the banking sector, impacting investor sentiment negatively.
- Some community discussions express skepticism regarding the bank's ability to adapt to changing regulatory environments, raising potential risks.
- Recent earnings reports have shown slower growth compared to peers, leading to doubts about competitive positioning in the market.
- A few analysts have pointed out the potential for increased operational costs, which could squeeze profit margins and affect overall performance.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $20M | $6M | $2.99 |
| Q1 2026 | $15M | $3M | $1.39 |
| Q4 2025 | $15M | $3M | $1.27 |
| Q3 2025 | $15M | $29M | $12.96 |
Based on FMP financials and quantitative analysis
PPBN Latest News
No recent news available for PPBN.
PPBN Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for PPBN.
Price Targets
Wall Street price target analysis for PPBN.
PPBN MoonshotScore
What does this score mean?
The MoonshotScore rates PPBN 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
PPBN OTC Market Information
The OTCQX tier represents the highest tier of the OTC market, indicating that Pinnacle Bankshares Corporation meets certain financial standards and disclosure requirements. Companies on the OTCQX are distinguished from those on lower tiers by their commitment to providing current and audited financial information, enhancing transparency for investors. This tier aims to offer a more reliable and regulated trading environment compared to the Pink and Grey tiers of the OTC market, though it still differs significantly from the listing standards of major exchanges like the NYSE or NASDAQ.
- OTC Tier: OTC Other
- Limited liquidity compared to major exchanges.
- Potential for wider bid-ask spreads.
- Less stringent regulatory oversight compared to NYSE or NASDAQ.
- Information asymmetry due to lower analyst coverage.
- Verify the company's financial statements and audit reports.
- Assess the company's management team and corporate governance practices.
- Review the company's filings on the OTC Markets website.
- Monitor trading volume and bid-ask spreads.
- Understand the risks associated with investing in OTC securities.
- Consult with a financial advisor before investing.
- Research the company's business model and competitive landscape.
- OTCQX tier listing indicates a higher level of compliance and disclosure.
- Current disclosure status ensures regular financial reporting.
- Established history as a bank holding company since 1908.
- Operations regulated by banking authorities.
Common Questions About PPBN (Financial Services)
What does the AI Score mean for PPBN?
PPBN holds an AI Score of 56/100 (Grade: B). This is an educational research signal, not a buy or sell recommendation. Pinnacle Bankshares Corporation operates as the bank holding company for First National Bank, offering commercial and retail banking services. The company provides various deposit accounts and loan …
What does Pinnacle Bankshares Corporation do?
Pinnacle Bankshares Corporation operates as the bank holding company for First National Bank, providing a range of commercial and retail banking products and services to individuals and businesses in Virginia. Its offerings include deposit accounts, loans, credit cards, insurance products, and digital banking services.
What are the main risks for PPBN?
Pinnacle Bankshares Corporation faces several risks, including economic downturns that could impact loan performance and asset quality. Rising interest rates could increase borrowing costs and reduce loan demand. The company also faces competition from larger national banks and credit unions, as well as regulatory changes that could increase compliance costs. Additionally, cybersecurity threats and data breaches pose a risk to the company's operations and reputation.
What are the key factors to evaluate for PPBN?
Pinnacle Bankshares Corporation (PPBN) holds an AI score of 56/100 (moderate). Pinnacle Bankshares Corporation presents a community banking model with a focus on serving local markets in Virginia. Not financial advice.
How frequently does PPBN data refresh on this page?
PPBN's price was last updated on Aug 20, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven PPBN's recent stock price performance?
Pinnacle Bankshares Corporation (PPBN) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence and community relationships. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider PPBN overvalued or undervalued right now?
Pinnacle Bankshares Corporation (PPBN) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research PPBN before investing?
Before investing in Pinnacle Bankshares Corporation (PPBN), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding PPBN to a portfolio?
Key strength of Pinnacle Bankshares Corporation (PPBN): Strong local presence and community relationships. Weigh rewards against risks and diversify. Not financial advice.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- AI analysis pending for PPBN, limiting the depth of some sections.
- OTC market data may have limited availability and reliability.