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Pinnacle Bancshares

PCLB
61
Banks - Regional · Financial Services
Winston Score
61
Winston is curious
A decent business — some strong pillars, some weaker.
Data as of Aug 23, 2026 · filings through Jun 30, 2026
How the score breaks down
Bank Quality
Strong
Growth
Good
Capital Strength
Exceptional
Asset Quality
Exceptional
Valuation
Good
Dividends
Mixed
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Winston Score History

The full picture

Pinnacle Bancshares, Inc. is a small community bank holding company based in Alabama. It offers everyday banking services like checking and savings accounts, loans, and mortgages, mainly to individual customers and small businesses in its local area. It operates through its subsidiary, First Bank of Alabama.

The company makes money primarily from the difference between the interest it charges on loans and the interest it pays on deposits, which is called net interest income. It is a very small bank, with a market cap under $100 million, serving a limited geographic footprint in central Alabama. Its main competitive advantage is its local relationships and community focus, though small regional banks like this face ongoing pressure from larger national banks and fintech companies that can offer lower costs and more digital features.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+2.6% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+3.6% YoY

YoY Growth Rate

Slow EPS growth

Insider Activity

0.0%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$353M cash & investments

Quarterly Free Cash Flow

→ Burn rate stable

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

Pinnacle Bancshares is growing revenue at 3% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

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Bank Quality

Return on owners' money
Return on Equity
20.6%
no trend
Exceptional — 20.6% return on equity

15-25% on shareholder equity is strong — clearly beating cost of capital.

Profit on lending
Net Interest Margin
3.57%
no trend
Wide spread — 3.57% net interest margin
Cost of running the bank
Efficiency Ratio
61.2%
no trend
Average — 61.2% efficiency ratio

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Growth

Sales growth
Sales YoY
+3.9%
Slow sales growth (+3.9% YoY)
Profit growth
EPS YoY
+5.1%
Modest earnings growth (+5.1% YoY)

Single-digit earnings growth — steady but not exciting.

How steady the profit is
EPS Consistency
6/8 quarters
Earnings grew in most of the last 8 quarters

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Capital Strength

Safety cushion
Capital Ratio
19.5%
no trend
Fortress balance sheet — 19.5% CET1

A strong capital cushion. This bank is well padded against a bad year.

Asset Quality

Loans not being repaid
Non-Performing Loans
0.04%
no trend
Clean loan book — 0.04% non-performing

Under half a percent of loans are going bad. A very clean loan book.

Loans written off
Net Charge-Offs
0.11%
no trend
Minimal losses — 0.11% net charge-offs

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Valuation

Price vs profit
P/E Ratio (TTM)
8.8x
no trend
Attractive valuation — P/E 8.8

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year
P/E vs Forward
N/A
not available
Data not available

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Dividends

Dividend
Dividend Yield
2.51%
no trend
Moderate income — 2.51% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend record
Dividend Growth
+0.0%
no trend
Dividend flat

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