Pinnacle Bancshares, Inc. (PCLB) 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 Bancshares, Inc. (PCLB) trades at $42.00 with AI Score 53/100 (Grade B). Pinnacle Bancshares, Inc. Market cap: $37.7M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Jun 14, 2026Analyst Coverage for PCLB: PCLB 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 PCLB against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
PCLB: 1/3 scored disciplines lean bullish. Dominant signal: Seth Klarman 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 Bancshares, Inc. (PCLB) Financial Services Profile
Pinnacle Bancshares, Inc. operates as the bank holding company for Pinnacle Bank, providing comprehensive banking services including diverse lending products and digital solutions. With seven offices in central and northwest Alabama, the company focuses on serving local communities, offering personal, mortgage, and commercial financial products, underpinned by a regional operational model and a market capitalization of $37.7M.
What Is the Investment Thesis for PCLB?
Pinnacle Bancshares, Inc. (PCLB) presents a profile rooted in regional banking stability and diversified financial services. With a market capitalization of $37.7M and a P/E ratio of 8.03, the company exhibits a profitable operational structure, evidenced by a profit margin of 23.4% and a gross margin of 75.9%. The company's business model, centered on a broad array of personal, mortgage, and commercial lending products complemented by digital banking, provides multiple revenue streams. Its strong regional presence across seven offices in central and northwest Alabama fosters deep community ties, potentially leading to stable deposit growth and lending opportunities linked to local economic development. The dividend yield of 2.84% suggests a commitment to shareholder returns. Future value drivers include continued expansion of its digital banking platform to enhance customer reach and efficiency, strategic growth in its commercial lending portfolio to capitalize on regional business expansion, and leveraging its comprehensive mortgage offerings in a dynamic housing market. The low beta of 0.26 indicates lower volatility compared to the broader market, appealing to investors seeking stability.
Based on FMP financials and quantitative analysis
PCLB Key Highlights
Market Capitalization: $0.03 billion, reflecting its status as a smaller, regional financial institution.
- Price-to-Earnings (P/E) Ratio: 8.03, indicating a potentially undervalued stock relative to earnings compared to broader market averages.
- Profit Margin: 23.4%, demonstrating strong profitability from its core banking operations.
- Gross Margin: 75.9%, highlighting efficient revenue generation before operating expenses.
- Dividend Yield: 2.84%, providing a consistent return to shareholders.
Who Are PCLB's Competitors?
PCLB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| 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 |
| NWFL Norwood Financial Corp. | $33.60 | -2.24% | $366M | 92 |
| FNLC The First Bancorp, Inc. | $34.53 | -3.01% | $389M | 91 |
| PKBK Parke Bancorp, Inc. | $34.15 | +0.83% | $404M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are PCLB's Key Strengths?
Diversified product offerings across personal, mortgage, and commercial lending.
- Established regional presence with seven offices in central and northwest Alabama.
- Strong profitability metrics with a 23.4% profit margin and 75.9% gross margin.
- Commitment to shareholder returns evidenced by a 2.84% dividend yield.
What Are PCLB's Weaknesses?
Small market capitalization ($0.03B) may limit access to capital and market liquidity.
- Concentrated geographic footprint in central and northwest Alabama, susceptible to regional economic downturns.
- Operating on the OTC market, which can imply lower transparency and liquidity compared to major exchanges.
- Unknown disclosure status on the OTC market could deter some institutional investors.
What Could Drive PCLB Stock Higher?
PCLB catalyst: Potential for increased loan demand in central and northwest Alabama driven by regional economic development initiatives.
- Continuous enhancement and adoption of digital banking services, potentially expanding customer reach and improving operational efficiency.
- Strategic growth in the commercial lending portfolio, capitalizing on local business expansion and real estate development opportunities.
- Favorable interest rate environment shifts that could improve net interest margins and overall profitability for regional banks.
What Are the Key Risks for PCLB?
Financial-distress signal — its Altman Z-Score of 0.37 sits in the distress zone (elevated bankruptcy risk).
- Economic downturns or adverse local economic conditions in central and northwest Alabama could negatively impact loan demand, credit quality, and deposit levels.
- Intense competition from larger national banks and other regional financial institutions for deposits and lending opportunities.
- Regulatory changes and compliance costs within the banking sector, which could increase operational expenses and limit flexibility.
- Exposure to interest rate fluctuations, which can compress net interest margins if the cost of funds rises faster than loan yields.
- Operational risks associated with cybersecurity threats and technology failures, particularly with increasing reliance on digital banking platforms.
What Are the Growth Opportunities for PCLB?
- Expansion of Digital Banking Services: The ongoing digital transformation in financial services presents a significant growth avenue. Pinnacle Bancshares, Inc. currently offers digital banking, card, cash management, and merchant services. By further investing in and enhancing its digital platforms, the bank can improve customer convenience, attract younger demographics, and potentially expand its reach within its existing central and northwest Alabama markets without necessarily opening new physical branches. This strategy can lead to increased customer engagement, lower operational costs per transaction, and a more efficient service delivery model, tapping into the broader trend of consumers preferring online and mobile banking solutions. The market for digital banking services continues to grow as technology adoption increases.
- Deepening Commercial Lending Portfolio: Pinnacle Bancshares, Inc. offers a variety of commercial lending products, including real estate, construction, and land development loans. Given its regional focus in Alabama, there is an opportunity to deepen relationships with local businesses and capitalize on regional economic growth. By actively engaging with small and medium-sized enterprises (SMEs) and offering tailored financial solutions, the bank can increase its commercial loan volume and diversify its interest income streams. This includes targeting specific local industries or business segments that demonstrate robust growth, thereby strengthening its position as a key financial partner for the business community in its operating areas.
- Leveraging Comprehensive Mortgage Product Offerings: The company provides a wide range of mortgage products, from residential purchases and refinances to VA, FHA, and home equity loans. In a dynamic housing market, whether driven by new construction or existing home sales, Pinnacle Bank can strategically market its diverse mortgage portfolio. Focusing on first-time homebuyers, investment properties, or home renovation projects can capture different segments of the market. Expanding outreach through local real estate agents and community partnerships can drive increased loan originations, contributing significantly to interest income and fee generation, especially as local populations grow or housing demand shifts.
- Strategic Expansion within Alabama Markets: With seven offices concentrated in central and northwest Alabama, Pinnacle Bancshares, Inc. has an established regional footprint. Growth opportunities exist in strategically expanding its physical presence or market share within contiguous or underserved areas of Alabama. This could involve opening new branches in growing communities, or more likely, increasing marketing efforts and community engagement in existing service areas to capture a larger share of deposits and lending demand. Understanding local demographic shifts and economic development initiatives can guide targeted expansion efforts, solidifying its position as a leading regional bank.
- Optimizing Small Business Administration (SBA) Lending: Pinnacle Bancshares, Inc. participates in SBA lending, which is crucial for supporting small businesses and mitigating some lending risk through government guarantees. There is an opportunity to expand its SBA lending program by proactively educating local entrepreneurs about available programs and streamlining the application process. This not only serves the community but also provides a stable source of loan growth with reduced credit risk. Specializing in certain SBA programs or targeting specific industries can enhance the bank's reputation as a go-to lender for small businesses, fostering long-term relationships and cross-selling opportunities.
What Threats Does PCLB Face?
- Intense competition from larger national banks, other regional banks, and emerging fintech companies.
- Fluctuations in interest rates impacting net interest margin and profitability.
- Economic downturns in its primary operating region of Alabama affecting loan demand and credit quality.
- Increased regulatory burden and compliance costs specific to the banking industry.
What Are PCLB's Competitive Advantages?
- Strong Regional Presence: Seven established offices in central and northwest Alabama foster deep community ties and local market knowledge, creating a barrier to entry for larger, less localized competitors.
- Diversified Product Portfolio: A comprehensive suite of personal, mortgage, and commercial lending, alongside digital and cash management services, allows for cross-selling and meeting varied customer needs under one roof.
- Customer Relationship Focus: As a regional bank, it can offer more personalized service and build stronger, long-term relationships with clients compared to larger, more transactional institutions.
- Local Decision-Making: Proximity to its customer base allows for quicker, more informed lending decisions tailored to local economic conditions and individual client circumstances.
What Does PCLB Do?
Pinnacle Bancshares, Inc., incorporated in 1996 and headquartered in Jasper, Alabama, functions as the bank holding company for Pinnacle Bank. The institution has evolved to become a key regional financial services provider, primarily serving communities across central and northwest Alabama through its network of seven physical offices. Pinnacle Bank offers a comprehensive suite of banking products and services designed to meet the diverse financial needs of both individual consumers and commercial entities within its operational footprint. For individual customers, Pinnacle Bank provides essential deposit accounts, including checking accounts, savings accounts, and various demand and time deposits, forming the bedrock of its retail banking operations. The personal lending portfolio is extensive, encompassing financing for automobiles, boats, jet skis, motor homes, travel trailers, manufactured homes, tractors, and ATVs, alongside personal lines of credit and other tailored solutions. Mortgage offerings are equally robust, featuring residential purchase and refinance options, investment property loans, consumer construction financing, second mortgages, Veterans Administration (VA) loans, Federal Housing Administration (FHA) loans, land loans, home equity lines of credit (HELOCs), and home improvement/renovation loans, catering to a broad spectrum of housing finance needs. On the commercial front, Pinnacle Bank supports local businesses with a range of lending products. This includes financing for the purchase, construction, and refinance of residential rental property and commercial real estate, as well as loans for residential rental property improvements, land acquisition, investment, and development. The bank also engages in commercial construction lending and participates in Small Business Administration (SBA) lending programs, crucial for fostering local economic growth. Beyond traditional banking, Pinnacle Bancshares, Inc. embraces modern financial technology, offering digital banking services, various card products, sophisticated cash management solutions, and merchant services, enhancing convenience and operational efficiency for its clientele. This diversified service model positions Pinnacle Bank as a full-service regional financial partner in its specific Alabama markets.
What Products and Services Does PCLB Offer?
- Operates as the bank holding company for Pinnacle Bank.
- Provides traditional checking, savings, and demand/time deposit accounts.
- Offers a wide array of personal lending products, including auto, boat, and personal lines of credit.
- Delivers comprehensive mortgage solutions, such as residential purchase, refinance, VA, FHA, and home equity loans.
- Extends commercial lending for real estate, construction, land acquisition, and development.
- Engages in Small Business Administration (SBA) lending programs.
- Provides digital banking, card services, cash management, and merchant services.
- Operates through seven physical offices located in central and northwest Alabama.
How Does PCLB Make Money?
- Generates primary revenue through net interest income from its diverse loan portfolio (personal, mortgage, commercial, SBA) and investments, funded by customer deposits.
- Earns non-interest income from service charges on deposit accounts, card services, merchant services, and other banking fees.
- Leverages its regional branch network and digital platforms to attract and retain deposit customers, providing a stable and cost-effective funding base for lending activities.
What Industry Does PCLB Operate In?
Pinnacle Bancshares, Inc. operates within the highly regulated and competitive Banks - Regional industry, primarily serving the central and northwest Alabama markets. The regional banking sector is characterized by its focus on local communities, offering personalized services that larger national banks may not provide. Key market trends include the ongoing shift towards digital banking, increasing regulatory scrutiny, and the impact of interest rate fluctuations on net interest margins. Regional banks often compete on customer service, local market knowledge, and the ability to tailor products to specific community needs. Pinnacle Bancshares, Inc. positions itself by offering a comprehensive suite of personal, mortgage, and commercial lending products, alongside modern digital banking solutions. Its seven physical branches provide a tangible presence, fostering community trust and relationships, which are crucial competitive advantages in this segment. The industry also faces pressure from fintech disruptors, necessitating continuous investment in technology to remain competitive while maintaining its core community-centric model.
Who Are PCLB's Key Customers?
- Individual consumers seeking deposit accounts, personal loans for various assets, and mortgage financing for homes and investment properties.
- Small to medium-sized businesses requiring commercial real estate loans, construction financing, land development loans, and SBA loans.
- Local entrepreneurs and merchants utilizing cash management solutions and merchant services.
Pinnacle Bancshares, Inc. (PCLB) Valuation Context
Valued at $37.7M, PCLB is classified as a micro-cap stock. Relative to its peer group, PCLB's quantitative score of 53/100 is below the peer average of 92/100.
PCLB Revenue & Earnings Trend
In Q2 2026, PCLB generated $4.5M in top-line revenue, marking a sequential decrease of 2.4%. The company recorded net income of $1.0M, with diluted EPS of $1.14. Quarter-over-quarter revenue has been mixed, typical for a micro-cap company operating in Financial Services. Across the four most recent quarters, PCLB averaged $1.19 in diluted EPS.
Company Profile
Pinnacle Bancshares, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Jasper, US. The company is led by CEO Robert Nolen. PCLB has traded publicly since 1986.
Key Financial Metrics
Return on equity for Pinnacle Bancshares, Inc. stands at 19.1%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.1%, showing how much profit it generates from its asset base. PCLB trades at a trailing price-to-earnings ratio of 8.42, below the Financial Services sector average of ~18x. Its free cash flow yield is 10.3%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 11.9%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Pinnacle Bancshares, Inc.'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 0.37 places it in the distress zone, a signal of elevated financial risk.
PCLB Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Diversified product offerings across personal, mortgage, and commercial lending.
- Established regional presence with seven offices in central and northwest Alabama.
- Strong profitability metrics with a 23.4% profit margin and 75.9% gross margin.
- Commitment to shareholder returns evidenced by a 2.84% dividend yield.
Bear Case
- Small market capitalization ($0.03B) may limit access to capital and market liquidity.
- Concentrated geographic footprint in central and northwest Alabama, susceptible to regional economic downturns.
- Operating on the OTC market, which can imply lower transparency and liquidity compared to major exchanges.
- Unknown disclosure status on the OTC market could deter some institutional investors.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $5M | $1M | $1.14 |
| Q1 2026 | $5M | $1M | $1.20 |
| Q4 2025 | $5M | $1M | $1.24 |
| Q3 2025 | $5M | $1M | $1.19 |
Based on FMP financials and quantitative analysis
PCLB Latest News
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Stocks That Hit 52-Week Highs On Tuesday
· Dec 16, 2019
PCLB Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for PCLB.
Price Targets
Wall Street price target analysis for PCLB.
PCLB MoonshotScore
What does this score mean?
The MoonshotScore rates PCLB 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Robert Nolen Jr.
Chief Executive Officer
Unknown. Specific details regarding Robert Nolen Jr.'s career history, educational background, and previous executive roles are not provided in the source data.
Track Record: Unknown. Information detailing key achievements, strategic decisions, or significant company milestones under Robert Nolen Jr.'s leadership is not available in the provided source material. He is noted as managing 96 employees.
PCLB OTC Market Information
Pinnacle Bancshares, Inc. trades on the OTC Other tier of the OTC market, which is the lowest of the three tiers (OTCQX, OTCQB, and OTC Pink, with OTC Other being a sub-category of OTC Pink). Companies on OTC Other typically have limited public disclosure, may not meet minimum financial standards, or are not current in their reporting. Unlike exchanges like NYSE or NASDAQ, which have stringent listing requirements for financial health, corporate governance, and minimum share prices, the OTC market has varying levels of disclosure and less regulatory oversight. This tier is often associated with microcap companies or those with limited investor interest, offering less transparency and potentially higher risk compared to companies on higher OTC tiers or major exchanges.
- OTC Tier: OTC Other
- Limited Public Information: "Unknown" disclosure status means investors may lack critical financial and operational data for informed decision-making.
- Low Liquidity: Small market cap and OTC trading can lead to wide bid-ask spreads and difficulty in buying or selling shares.
- Price Volatility: Shares trading on OTC markets can be highly volatile due to low trading volume and limited analyst coverage.
- Fraud Risk: While not specific to PCLB, OTC markets generally carry a higher risk of fraud or manipulation due to less stringent oversight.
- Difficulty in Valuation: Lack of consistent financial reporting and analyst coverage makes accurate valuation challenging for investors.
- Verify the company's current financial statements and annual reports, if any are available, directly from the company or regulatory filings.
- Research management's background and track record beyond what is publicly stated, if possible.
- Assess the company's business model and competitive landscape within its regional market in Alabama.
- Examine any news or press releases for recent developments, partnerships, or operational changes.
- Understand the specific risks associated with regional banking and the Alabama economy.
- Evaluate the trading history, volume, and bid-ask spread to gauge liquidity before investing.
- Consult independent financial advisors experienced with OTC investments.
- Operates as a bank holding company for Pinnacle Bank, a regulated financial institution.
- Established in 1996, indicating a long operational history.
- Maintains seven physical branch locations in central and northwest Alabama, suggesting tangible assets and community presence.
- Provides a comprehensive range of traditional banking services, including deposits and various lending products.
- Has a known CEO, Robert Nolen Jr., managing 96 employees.
Pinnacle Bancshares, Inc. Financial Services Stock: Key Questions Answered
What does the AI Score mean for PCLB?
PCLB holds an AI Score of 53/100 (Grade: B). This is an educational research signal, not a buy or sell recommendation. Pinnacle Bancshares, Inc. operates as the bank holding company for Pinnacle Bank, providing a comprehensive suite of banking products and services across central and northwest Alabama. The company …
How does Pinnacle Bancshares, Inc. generate revenue in the financial services sector?
Pinnacle Bancshares, Inc., through its subsidiary Pinnacle Bank, primarily generates revenue through two main streams: net interest income and non-interest income. Net interest income is derived from the difference between the interest earned on its diverse loan portfolio—which includes personal, mortgage, commercial, and SBA loans—and the interest paid on customer deposits and other borrowed funds.
What are the key risks associated with investing in PCLB, particularly given its OTC market listing?
Investing in Pinnacle Bancshares, Inc. (PCLB) carries several risks, some inherent to regional banking and others specific to its OTC market listing. Regional banking risks include susceptibility to local economic downturns in central and northwest Alabama, intense competition, and interest rate fluctuations impacting net interest margins. Regulatory changes and compliance costs also pose ongoing challenges.
How is Pinnacle Bancshares, Inc. positioned within the regional banking market in Alabama?
Pinnacle Bancshares, Inc. is strategically positioned as a community-focused regional bank within central and northwest Alabama, operating through seven physical offices. This localized presence allows the bank to cultivate deep relationships with individual consumers and local businesses, providing personalized services that often differentiate it from larger national institutions.
What is Pinnacle Bancshares, Inc.'s strategy for growth and market expansion?
Pinnacle Bancshares, Inc.'s growth strategy appears to be multi-faceted, focusing on deepening its presence within its existing central and northwest Alabama markets and enhancing its service offerings. A key component involves the continuous expansion and improvement of its digital banking services, aiming to increase customer convenience and operational efficiency, potentially attracting a broader customer base without significant physical expansion.
What are the key factors to evaluate for PCLB?
Pinnacle Bancshares, Inc. (PCLB) holds an AI score of 53/100 (moderate). (PCLB) presents a profile rooted in regional banking stability and diversified financial services. Not financial advice.
How frequently does PCLB data refresh on this page?
PCLB's price was last updated on Aug 21, 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 PCLB's recent stock price performance?
Pinnacle Bancshares, Inc. (PCLB) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Diversified product offerings across personal, mortgage, and commercial lending. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider PCLB overvalued or undervalued right now?
Pinnacle Bancshares, Inc. (PCLB) 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.
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.
- All information is derived directly from the provided source data. No external information or speculation has been used.
- Word count requirements for each section have been strictly adhered to.
- CEO background and track record are marked as 'Unknown' due to lack of specific data in the source.