Pinnacle Bancshares (PCLB) Stock Price

Pinnacle Bancshares Price

🇺🇸OTC·CLOSED
38.44USD
Market closed
Today +/-
Today %

Pinnacle Bancshares (PCLB) Stock | ISIN US7229031015 | WKN 347412. The current Pinnacle Bancshares stock price is 38.44 USD (2026). Market capitalization is 34.57 M USD. Pinnacle Bancshares operates in the Finance sector.

Pinnacle Bancshares stock price

Ex-Dividend
Details

Stock Price

How to Read This Chart

This chart tracks the historical stock price of Pinnacle Bancshares over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Pinnacle Bancshares stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Pinnacle Bancshares's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

Pinnacle Bancshares Stock Price History
DatePinnacle Bancshares Price
Access this data via the Eulerpool API

Pinnacle Bancshares Revenue, EBIT, Net Income

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Revenue
Net Income
Details
Date
Revenue
Net Income
Jan 1, 2001
17.58 M USD
680,000 USD
Jan 1, 2002
15.26 M USD
2.01 M USD
Jan 1, 2003
14.14 M USD
2.43 M USD
Jan 1, 2004
12.4 M USD
1.73 M USD
Jan 1, 2005
13.38 M USD
1.52 M USD
Jan 1, 2006
15.16 M USD
1.35 M USD
Jan 1, 2008
14.35 M USD
1.22 M USD
Jan 1, 2009
12.76 M USD
200,000 USD
Jan 1, 2010
11.68 M USD
650,000 USD
Jan 1, 2011
10.53 M USD
1.24 M USD
Jan 1, 2012
9.66 M USD
1.95 M USD
Jan 1, 2013
9.13 M USD
1.94 M USD
Jan 1, 2014
8.94 M USD
2.03 M USD
Jan 1, 2015
9.37 M USD
2.22 M USD
Jan 1, 2016
9.47 M USD
2.28 M USD

Pinnacle Bancshares Income Statement, Balance Sheet, Cash Flow Statement

Last updated Jun 10, 2026, 5:52 PM
 
REVENUE (M USD)
REVENUE GROWTH (%)
GROSS MARGIN (%)
GROSS INCOME (M USD)
EBIT (M USD)
EBIT MARGIN (%)
NET INCOME (M USD)
NET INCOME GROWTH (%)
DIV. (USD)
DIV. GROWTH (%)
SHARES (M)
DOCUMENTS
Details

Income Statement Key Figures

Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales Pinnacle Bancshares generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Pinnacle Bancshares retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Pinnacle Bancshares's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares Pinnacle Bancshares has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Pinnacle Bancshares's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

Pinnacle Bancshares stock margins

The Pinnacle Bancshares margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Pinnacle Bancshares. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Pinnacle Bancshares.
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Profit margin
Details
Date
Profit margin
Jan 1, 2001
3.87 %
Jan 1, 2002
13.17 %
Jan 1, 2003
17.19 %
Jan 1, 2004
13.95 %
Jan 1, 2005
11.36 %
Jan 1, 2006
8.91 %
Jan 1, 2008
8.5 %
Jan 1, 2009
1.57 %
Jan 1, 2010
5.57 %
Jan 1, 2011
11.78 %
Jan 1, 2012
20.19 %
Jan 1, 2013
21.25 %
Jan 1, 2014
22.71 %
Jan 1, 2015
23.69 %
Jan 1, 2016
24.08 %

Pinnacle Bancshares Stock Revenue, EBIT, Earnings per Share

The Pinnacle Bancshares earnings per share therefore indicates how much revenue Pinnacle Bancshares has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
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Revenue per Share
Earnings per Share
Details
Date
Revenue per Share
Earnings per Share
Jan 1, 2001
9.88 USD
0.38 USD
Jan 1, 2002
8.57 USD
1.13 USD
Jan 1, 2003
8.73 USD
1.5 USD
Jan 1, 2004
7.75 USD
1.08 USD
Jan 1, 2005
8.47 USD
0.96 USD
Jan 1, 2006
10.04 USD
0.89 USD
Jan 1, 2008
10.71 USD
0.91 USD
Jan 1, 2009
10.05 USD
0.16 USD
Jan 1, 2010
9.2 USD
0.51 USD
Jan 1, 2011
8.29 USD
0.98 USD
Jan 1, 2012
7.85 USD
1.59 USD
Jan 1, 2013
7.55 USD
1.6 USD
Jan 1, 2014
7.45 USD
1.69 USD
Jan 1, 2015
7.94 USD
1.88 USD
Jan 1, 2016
8.23 USD
1.98 USD

Pinnacle Bancshares business model & stock analysis

Pinnacle Bancshares Inc is a US financial institution based in Jasper, Alabama. The company's history dates back to 1935 when it was founded as the Bank of Luverne. Over the years, the company has grown through mergers and acquisitions to become a significant regional financial services provider. In 2000, the Bank of Jasper was acquired and integrated into the network. Since then, Pinnacle Bancshares has made several acquisitions and opened additional locations in Alabama and Florida. Pinnacle Bancshares' business model is based on providing banking services to individuals, small businesses, and agricultural customers. Products and services include a wide range of financial products such as checking accounts, savings accounts, credit and debit cards, online banking, loans, and mortgages. The company is divided into various divisions that specialize in specific customer groups or financial services. These include: - Pinnacle Bank: This division offers traditional banking services to both individuals and business customers, including loans, accounts, and payment services. - Pinnacle Trust: This is an asset management unit that focuses on managing assets for wealthy individuals and families. - Pinnacle Financial Partners: This division focuses specifically on the financial service needs of small to medium-sized businesses, including providing loans and capital for expansions or acquisitions. - Pinnacle Bank Florida: This division caters to the needs of customers in Florida and offers banking services to individuals and small businesses. Another area that the company values is supporting the local community. Pinnacle Bancshares regularly donates to local charities and engages in various philanthropic projects. Overall, Pinnacle Bancshares is a growing financial institution that offers a wide range of financial services to its customers. The company is committed to expanding its presence in the region while providing a personalized customer experience.

Pinnacle Bancshares SWOT Analysis

Strengths

Pinnacle Bancshares Inc possesses several key strengths that contribute to its success:

  • Strong financial performance and stability
  • Established reputation and brand recognition
  • Diversified product and service portfolio
  • Efficient and effective operational processes
  • Strong customer relationships and loyalty

Weaknesses

Pinnacle Bancshares Inc faces the following weaknesses that can hinder its growth and competitiveness:

  • Limited geographical presence
  • Relatively small market share compared to larger competitors
  • Limited innovation and technology adoption
  • Dependence on a few key clients

Opportunities

Pinnacle Bancshares Inc has the potential to leverage the following opportunities for growth:

  • Expansion into new markets and regions
  • Increasing demand for digital banking solutions
  • Growing customer preference for personalized financial services
  • Acquisition or partnership opportunities

Threats

Pinnacle Bancshares Inc faces the following threats that may impact its performance negatively:

  • Intense competition from established banks and emerging fintech companies
  • Changing regulatory environment
  • Economic downturn or financial instability
  • Rapid technological advancements requiring significant investments

Pinnacle Bancshares Eulerpool Fair Value

Pinnacle Bancshares historical P/E ratio, EBIT multiple, and P/S ratio

Pinnacle Bancshares annual returns

Details

Annual Return

What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

Pinnacle Bancshares shares outstanding

The number of shares was Pinnacle Bancshares in 2025 — This indicates how many shares 899,400 is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.
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Number of stocks
Details
Date
Number of stocks
Jan 1, 2001
1.78 M base_Shares
Jan 1, 2002
1.78 M base_Shares
Jan 1, 2003
1.62 M base_Shares
Jan 1, 2004
1.6 M base_Shares
Jan 1, 2005
1.58 M base_Shares
Jan 1, 2006
1.51 M base_Shares
Jan 1, 2008
1.34 M base_Shares
Jan 1, 2009
1.27 M base_Shares
Jan 1, 2010
1.27 M base_Shares
Jan 1, 2011
1.27 M base_Shares
Jan 1, 2012
1.23 M base_Shares
Jan 1, 2013
1.21 M base_Shares
Jan 1, 2014
1.2 M base_Shares
Jan 1, 2015
1.18 M base_Shares
Jan 1, 2016
1.15 M base_Shares

Pinnacle Bancshares Dividend History

36 years of dividend payments

YearAnnual DividendYoY ChangePayments
20260.27USDYTD
Mar 9, 20260.27USD 0.0%1/1
20251.08USD 0.0%
Mar 10, 20250.27USD 0.0%1/4
Jun 9, 20250.27USD 0.0%2/4
Sep 9, 20250.27USD 0.0%3/4
Dec 9, 20250.27USD 0.0%4/4
20241.08USD 0.0%
20231.08USD 8.0%
20221USD 13.6%
20210.88USD 15.8%
20200.76USD 0.0%
20190.76USD 72.7%
20180.44USD 0.0%
20170.44USD 0.0%

Pinnacle Bancshares dividend history and estimates

In 2025, Pinnacle Bancshares paid a dividend amounting to 1.08 USD. Dividend means that Pinnacle Bancshares distributes a portion of its profits to its owners.
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Dividend
Dividend (Estimate)
Details
Date
Dividend
Dividend (Estimate)
Special dividend
Jan 1, 2001
0.4 USD
0 USD
0 USD
Jan 1, 2002
0.4 USD
0 USD
0 USD
Jan 1, 2003
0.4 USD
0 USD
0 USD
Jan 1, 2004
0.43 USD
0 USD
0 USD
Jan 1, 2005
0.44 USD
0 USD
0 USD
Jan 1, 2006
0.44 USD
0 USD
0 USD
Jan 1, 2008
0.44 USD
0 USD
0 USD
Jan 1, 2009
0.44 USD
0 USD
0 USD
Jan 1, 2010
0.44 USD
0 USD
0 USD
Jan 1, 2011
0.44 USD
0 USD
0 USD
Jan 1, 2012
0.55 USD
0 USD
0.11 USD
Invalid Date
0.33 USD
0.11 USD
0 USD
Jan 1, 2014
0.44 USD
0 USD
0 USD
Jan 1, 2015
0.44 USD
0 USD
0 USD
Jan 1, 2016
0.44 USD
0 USD
0 USD

Pinnacle Bancshares dividend payout ratio

In 2025, Pinnacle Bancshares had a payout ratio of 20.82%. The payout ratio indicates the percentage of the company's profits that Pinnacle Bancshares distributes as dividends.
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Payout ratio
Details
Date
Payout ratio
Jan 1, 2001
105.26 %
Jan 1, 2002
35.4 %
Jan 1, 2003
26.67 %
Jan 1, 2004
39.81 %
Jan 1, 2005
45.83 %
Jan 1, 2006
49.44 %
Jan 1, 2008
48.35 %
Jan 1, 2009
275 %
Jan 1, 2010
84.62 %
Jan 1, 2011
45.36 %
Jan 1, 2012
34.59 %
Jan 1, 2013
20.5 %
Jan 1, 2014
26.04 %
Jan 1, 2015
23.4 %
Jan 1, 2016
22.11 %
Price targets and forecasts for Pinnacle Bancshares are not yet available.

Pinnacle Bancshares shareholder structure

% Name
%
1st & Main Growth Partners
1st & Main Growth Partners

Pinnacle Bancshares Executives and Management Board

RN

Robert Nolen

(54)

President, Chief Executive Officer, Director · since 1987

Compensation156,192 USD
JC

Mr. James Cannon

(84)

Chairman of the Board of the Company and the Bank. · since 1990

MG

Mary Gunter

(59)

VP, Corporate Secretary and SVP - Banking Services and Corporate Secretary of the Bank

GB

Greg Batchelor

(57)

Director

OB

O. Brown

(68)

Director

Frequently asked questions about Pinnacle Bancshares

The business model of Pinnacle Bancshares Inc is focused on providing a range of banking and financial services to individual and commercial customers. As a community bank, Pinnacle Bancshares Inc primarily operates through its subsidiary, Pinnacle Bank, which offers services such as personal and business checking and savings accounts, loans, mortgages, and investment products. With a strong emphasis on serving the local community, Pinnacle Bancshares Inc aims to build and maintain long-term relationships with its customers. As a result, the company strives to deliver personalized solutions and exceptional customer service that meets the financial needs of individuals and businesses.

All fundamentals and in-depth analysis of Pinnacle Bancshares

Our stock analysis for Pinnacle Bancshares Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Pinnacle Bancshares Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.