Pinnacle Bancshares Inc
Pinnacle Bancshares, Inc. through its subsidiary Pinnacle Bank provides various banking products and services. The company provides checking accounts, club, certificate of deposit, and savings accounts. It also offers personal lending, mortgage, consumer lending team by location, cash management, merchant services, and commercial lending products. In addition, the company provides online and mobi… Read more
Pinnacle Bancshares Inc (PCLB) - Net Assets
Latest net assets as of December 2025: $22.65 Million USD
Based on the latest financial reports, Pinnacle Bancshares Inc (PCLB) has net assets worth $22.65 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($363.67 Million) and total liabilities ($341.03 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $22.65 Million |
| % of Total Assets | 6.23% |
| Annual Growth Rate | 1.69% |
| 5-Year Change | -36.49% |
| 10-Year Change | -4.68% |
| Growth Volatility | 188.16 |
Pinnacle Bancshares Inc - Net Assets Trend (1988–2025)
This chart illustrates how Pinnacle Bancshares Inc's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Pinnacle Bancshares Inc (1988–2025)
The table below shows the annual net assets of Pinnacle Bancshares Inc from 1988 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $22.65 Million | +63.38% |
| 2024-12-31 | $13.86 Million | +8.41% |
| 2023-12-31 | $12.79 Million | +122.84% |
| 2022-12-31 | $5.74 Million | -83.91% |
| 2021-12-31 | $35.66 Million | +3.87% |
| 2020-12-31 | $34.33 Million | +11.51% |
| 2019-12-31 | $30.79 Million | +13.16% |
| 2018-12-31 | $27.21 Million | +4.59% |
| 2017-12-31 | $26.01 Million | +9.49% |
| 2016-12-31 | $23.76 Million | -8.05% |
| 2015-12-31 | $25.84 Million | +4.41% |
| 2014-12-31 | $24.75 Million | +13.06% |
| 2013-12-31 | $21.89 Million | -3.87% |
| 2012-12-31 | $22.77 Million | +1.95% |
| 2011-12-31 | $22.34 Million | +8.14% |
| 2010-12-31 | $20.65 Million | +0.05% |
| 2009-12-31 | $20.64 Million | +0.35% |
| 2008-12-31 | $20.57 Million | +6.01% |
| 2006-12-31 | $19.41 Million | -0.02% |
| 2005-12-31 | $19.41 Million | -2.53% |
| 2004-12-31 | $19.91 Million | +2.49% |
| 2003-12-31 | $19.43 Million | -2.63% |
| 2002-12-31 | $19.96 Million | +4.96% |
| 2001-12-31 | $19.01 Million | -1.14% |
| 2000-12-31 | $19.23 Million | +7.74% |
| 1999-12-31 | $17.85 Million | +1.41% |
| 1998-12-31 | $17.60 Million | +4.76% |
| 1997-12-31 | $16.80 Million | +9.80% |
| 1996-12-31 | $15.30 Million | +0.66% |
| 1995-12-31 | $15.20 Million | -91.44% |
| 1994-12-31 | $177.50 Million | +1132.64% |
| 1993-12-31 | $14.40 Million | +6.67% |
| 1992-12-31 | $13.50 Million | +1.50% |
| 1991-12-31 | $13.30 Million | -4.32% |
| 1990-12-31 | $13.90 Million | +6.92% |
| 1989-12-31 | $13.00 Million | +6.56% |
| 1988-12-31 | $12.20 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Pinnacle Bancshares Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 1139.9% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $52.08 Million | 229.95% |
| Common Stock | $18.72K | 0.08% |
| Other Comprehensive Income | $-22.44 Million | -99.10% |
| Total Equity | $22.65 Million | 100.00% |
Pinnacle Bancshares Inc Competitors by Market Cap
The table below lists competitors of Pinnacle Bancshares Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Hammer Metals Limited
F:6HM
|
$10.76 Million |
|
EURO MANGANESE CDI/1
F:E06A
|
$10.77 Million |
|
Cell Source Inc
OTCQB:CLCS
|
$10.77 Million |
|
Inswave Systems Co., Ltd.
KQ:450520
|
$10.77 Million |
|
Procorp S.A.B. de C.V
MX:PROCORPB
|
$10.76 Million |
|
NANOBRICK Co. Ltd
KQ:286750
|
$10.76 Million |
|
GIBO Holdings Limited
NASDAQ:GIBOW
|
$10.76 Million |
|
Futuretech II Acquisition Corp
NASDAQ:FTII
|
$10.76 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Pinnacle Bancshares Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 13,861,372 to 22,646,084, a change of 8,784,712 (63.4%).
- Net income of 4,189,181 contributed positively to equity growth.
- Dividend payments of 970,743 reduced retained earnings.
- Share repurchases of 231,080 reduced equity.
- Other comprehensive income increased equity by 5,797,352.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $4.19 Million | +18.5% |
| Dividends Paid | $970.74K | -4.29% |
| Share Repurchases | $231.08K | -1.02% |
| Other Comprehensive Income | $5.80 Million | +25.6% |
| Other Changes | $2.00 | +0.0% |
| Total Change | $- | 63.38% |
Book Value vs Market Value Analysis
This analysis compares Pinnacle Bancshares Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.21x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 4.17x to 1.21x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1988-12-31 | $7.32 | $30.50 | x |
| 1989-12-31 | $7.45 | $30.50 | x |
| 1990-12-31 | $7.74 | $30.50 | x |
| 1991-12-31 | $7.98 | $30.50 | x |
| 1992-12-31 | $7.54 | $30.50 | x |
| 1993-12-31 | $8.04 | $30.50 | x |
| 1994-12-31 | $8.40 | $30.50 | x |
| 1995-12-31 | $8.74 | $30.50 | x |
| 1996-12-31 | $8.42 | $30.50 | x |
| 1997-12-31 | $9.20 | $30.50 | x |
| 1998-12-31 | $9.75 | $30.50 | x |
| 1999-12-31 | $9.94 | $30.50 | x |
| 2000-12-31 | $10.75 | $30.50 | x |
| 2001-12-31 | $10.71 | $30.50 | x |
| 2002-12-31 | $11.24 | $30.50 | x |
| 2003-12-31 | $11.99 | $30.50 | x |
| 2004-12-31 | $12.48 | $30.50 | x |
| 2005-12-31 | $12.32 | $30.50 | x |
| 2006-12-31 | $12.85 | $30.50 | x |
| 2008-12-31 | $15.35 | $30.50 | x |
| 2009-12-31 | $16.25 | $30.50 | x |
| 2010-12-31 | $16.26 | $30.50 | x |
| 2011-12-31 | $17.59 | $30.50 | x |
| 2012-12-31 | $18.54 | $30.50 | x |
| 2013-12-31 | $18.16 | $30.50 | x |
| 2014-12-31 | $20.61 | $30.50 | x |
| 2015-12-31 | $21.92 | $30.50 | x |
| 2016-12-31 | $20.70 | $30.50 | x |
| 2017-12-31 | $24.92 | $30.50 | x |
| 2018-12-31 | $26.06 | $30.50 | x |
| 2019-12-31 | $29.75 | $30.50 | x |
| 2020-12-31 | $34.63 | $30.50 | x |
| 2021-12-31 | $36.68 | $30.50 | x |
| 2022-12-31 | $6.11 | $30.50 | x |
| 2023-12-31 | $14.06 | $30.50 | x |
| 2024-12-31 | $15.26 | $30.50 | x |
| 2025-12-31 | $25.18 | $30.50 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Pinnacle Bancshares Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 18.50%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 23.35%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 16.06x
- Recent ROE (18.50%) is above the historical average (12.03%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1988 | 4.10% | 2.56% | 0.10x | 15.66x | $-720.00K |
| 1989 | 8.46% | 5.88% | 0.10x | 14.17x | $-200.00K |
| 1990 | 10.07% | 8.19% | 0.10x | 12.68x | $10.00K |
| 1991 | 0.75% | 0.69% | 0.08x | 12.92x | $-1.23 Million |
| 1992 | 8.89% | 9.09% | 0.07x | 13.07x | $-150.00K |
| 1993 | 8.33% | 8.51% | 0.07x | 13.64x | $-240.00K |
| 1994 | 8.33% | 18.18% | 0.03x | 13.64x | $-240.00K |
| 1995 | 10.53% | 10.00% | 0.09x | 12.27x | $80.00K |
| 1996 | 6.54% | 6.25% | 0.08x | 12.78x | $-530.00K |
| 1997 | 12.50% | 12.14% | 0.09x | 12.02x | $420.00K |
| 1998 | 8.52% | 8.77% | 0.08x | 12.39x | $-260.00K |
| 1999 | 9.40% | 9.73% | 0.07x | 12.94x | $-107.15K |
| 2000 | 9.06% | 9.14% | 0.08x | 11.97x | $-181.43K |
| 2001 | 3.59% | 3.89% | 0.08x | 11.47x | $-1.22 Million |
| 2002 | 10.09% | 13.19% | 0.07x | 10.94x | $17.24K |
| 2003 | 12.49% | 17.17% | 0.07x | 10.73x | $483.24K |
| 2004 | 8.70% | 13.97% | 0.06x | 10.44x | $-259.26K |
| 2005 | 7.81% | 11.34% | 0.06x | 11.35x | $-424.45K |
| 2006 | 6.96% | 8.91% | 0.07x | 11.97x | $-589.65K |
| 2008 | 5.95% | 8.57% | 0.06x | 10.98x | $-832.20K |
| 2009 | 0.97% | 1.61% | 0.06x | 10.50x | $-1.86 Million |
| 2010 | 3.17% | 5.62% | 0.06x | 9.73x | $-1.41 Million |
| 2011 | 5.53% | 11.88% | 0.05x | 8.92x | $-997.50K |
| 2012 | 8.59% | 20.24% | 0.05x | 9.15x | $-322.00K |
| 2013 | 8.87% | 23.32% | 0.04x | 10.07x | $-246.88K |
| 2014 | 8.19% | 24.35% | 0.04x | 8.85x | $-447.67K |
| 2015 | 8.60% | 25.39% | 0.04x | 8.50x | $-362.79K |
| 2016 | 9.61% | 25.62% | 0.04x | 9.12x | $-91.84K |
| 2017 | 8.83% | 25.97% | 0.04x | 8.37x | $-305.31K |
| 2018 | 28.36% | 81.42% | 0.04x | 8.12x | $5.00 Million |
| 2019 | 9.38% | 24.89% | 0.05x | 7.48x | $-190.22K |
| 2020 | 9.27% | 26.62% | 0.04x | 8.03x | $-252.17K |
| 2021 | 13.16% | 34.29% | 0.04x | 9.53x | $1.13 Million |
| 2022 | 78.50% | 32.12% | 0.04x | 57.99x | $3.93 Million |
| 2023 | 35.04% | 28.06% | 0.05x | 26.79x | $3.20 Million |
| 2024 | 29.33% | 23.46% | 0.05x | 25.00x | $2.68 Million |
| 2025 | 18.50% | 23.35% | 0.05x | 16.06x | $1.92 Million |
Industry Comparison
This section compares Pinnacle Bancshares Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Pinnacle Bancshares Inc (PCLB) | $22.65 Million | 4.10% | 15.06x | $10.76 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |