Pinnacle Bank

OOTC:PBNKOTC Markets

18.40

USD

+0.04

(+0.22%)

0.68EPS

16.66P/E

43.99MMarket Cap

Income Statement (USD)

Income Statement API ChatGPT

	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Sales/Revenue/Turnover	8	9	10	13	18	20	23	24	30	33	41	40	37
+ Sales & Services Revenue	8	9	10	13	18	20	23	24	30	33	41	40	37
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	4	5	6	7	8	9	11	12	15	17	19	18	16
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	1	2	2	4	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Income	1	2	2	4	6	7	8	6	11	12	17	12	7
- Income Tax Expense (Benefit)	-6	1	1	2	3	2	3	2	3	3	5	3	2
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	6	1	1	2	3	5	6	4	8	8	12	9	5
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	6	1	1	2	3	5	6	4	8	8	12	9	5
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	6	1	1	2	3	5	6	4	8	8	12	9	5
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	6	1	1	2	3	5	6	4	8	8	12	9	5
EBIT	-2	- -	1	4	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	-1	- -	2	4	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	-16.33	-0.93	19.25	31.34	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	9.38	17.66	18.25	31.01	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	80.33	10.67	10.72	18.31	16.89	26.91	24.36	16.41	25.69	25.81	28.52	22.02	14.74
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Depreciation Expense	- -	- -	- -	- -	- -	1	2	2	2	3	2	2	2
Basic Weighted Avg Shares	4	4	4	4	4	4	5	5	5	5	6	6	6
Basic EPS, GAAP	1.75	0.26	0.28	0.64	0.76	1.2	1.09	0.75	1.45	1.55	2.09	1.52	0.92
Basic EPS from Cont Ops	1.75	0.26	0.28	0.64	0.76	1.2	1.09	0.75	1.45	1.55	2.09	1.52	0.92
Diluted Weighted Avg Shares	4	4	4	4	4	5	5	5	5	6	6	6	6
Diluted EPS, GAAP	1.66	0.24	0.26	0.62	0.73	1.16	1.06	0.74	1.42	1.52	2.06	1.49	0.91
Diluted EPS from Cont Ops	1.66	0.24	0.26	0.62	0.73	1.16	1.06	0.74	1.42	1.52	2.06	1.49	0.91

Balance Sheet (USD)

Balance Sheet API ChatGPT

	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	28	54	48	42	55	53	65	113	271	128	143	148	208
+ Cash & Cash Equivalents	22	49	43	39	52	51	63	105	251	76	87	112	196
+ ST Investments	6	5	4	3	3	2	1	8	20	52	56	37	13
+ Accounts & Notes Receiv	7	7	7	7	8	10	13	14	17	19	19	- -	- -
+ Accounts Receivable, Net	7	7	7	7	8	10	13	14	17	19	19	- -	- -
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	5	5	6	5	10	10	10	12	11	11	10	9	9
+ Property, Plant & Equip	7	7	8	8	13	14	14	16	17	17	17	17	17
- Accumulated Depreciation	2	2	2	3	3	3	4	5	5	6	7	7	8
+ LT Investments & Receivables	6	5	4	3	3	2	1	8	32	148	142	113	93
+ LT Investments	6	5	4	3	3	2	1	8	32	148	142	113	93
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Goodwill	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Assets	190	230	254	296	342	360	419	617	738	758	817	847	890
+ Payables & Accruals	1	1	2	4	4	5	9	9	12	15	15	- -	- -
+ Accounts Payable	1	1	2	4	4	5	9	9	12	15	15	- -	- -
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Borrowings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	- -	- -	- -	- -	- -	- -	- -	5	- -	- -	- -	- -	- -
+ LT Borrowings	- -	- -	- -	- -	- -	- -	- -	5	- -	- -	- -	- -	- -
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	167	206	228	267	308	320	366	559	672	684	729	748	784
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	63	64	64	65	71	84	50	51	51	53	55	57	58
+ Common Stock	32	32	32	32	35	42	50	51	51	53	55	57	58
+ Additional Paid in Capital	32	32	32	32	35	42	- -	- -	- -	- -	- -	- -	- -
- Treasury Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Retained Earnings	-9	-8	-7	-4	-1	-2	4	8	15	24	35	44	49
+ Other Equity	- -	- -	- -	- -	- -	- -	- -	- -	- -	-3	-3	-2	-1
Equity Before Minority Interest	23	24	25	28	34	40	54	58	66	74	88	99	106
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	23	24	25	28	34	40	54	58	66	74	88	99	106
Total Liabilities & Equity	190	230	254	296	342	360	419	617	738	758	817	847	890
Shares Outstanding	4	4	4	4	4	5	5	5	5	6	6	6	6
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt	-22	-49	-43	-39	-52	-51	-63	-100	-251	-76	-87	-112	-196
Net Debt to Equity	-94.79	-203.74	-170.66	-136.7	-152.57	-126.08	-118.1	-171.44	-378.55	-102.66	-99.18	-112.76	-183.95
Tangible Common Equity Ratio	12.1	10.47	10.02	9.55	10	11.18	12.81	9.44	8.99	9.72	10.76	11.69	11.94
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

Cash Flow Statement API ChatGPT

	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

+ Net Income	6	1	1	2	3	5	6	4	8	8	12	9	5
+ Depreciation & Amortization	- -	- -	- -	- -	- -	1	2	2	2	3	2	2	2
+ Non-Cash Items	-5	- -	-1	-1	-1	-2	-1	-2	-9	-3	-2	3	4
+ Stock-Based Compensation	- -	- -	- -	- -	- -	- -	- -	- -	1	1	1	1	1
+ Deferred Income Taxes	-6	1	1	2	2	- -	- -	-1	-1	-1	-1	- -	-2
+ Asset Impairment Charge	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	- -	-1	-1	-3	-2	-2	-2	-1	-8	-3	-2	3	6
+ Chg in Non-Cash Work Cap	1	- -	- -	1	-2	4	-1	1	7	1	- -	1	2
+ (Inc) Dec in Accts Receiv	1	- -	- -	-2	-2	2	-1	- -	4	-1	- -	- -	-1
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	- -	1	2	- -	2	- -	- -	3	2	- -	1	3
+ Inc (Dec) in Other	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	2	1	1	2	1	7	6	5	9	9	12	15	13
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-1	- -	-1	- -	-5	-1	- -	-2	-1	- -	- -	- -	- -
+ Acq of Fixed Prod Assets	-1	- -	-1	- -	-5	-1	- -	-2	-1	- -	- -	- -	- -
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	- -	- -	- -	3	- -	7	- -	- -	- -	- -	- -	- -
+ Increase in Capital Stock	- -	- -	- -	- -	3	- -	7	- -	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Net Change in LT Investment	-1	1	1	1	1	- -	1	-7	-24	-120	6	30	22
+ Dec in LT Investment	3	4	1	1	1	- -	1	- -	2	9	12	30	22
+ Inc in LT Investment	-4	-3	- -	- -	- -	- -	- -	-7	-27	-129	-6	- -	- -
+ Net Cash From Acq & Div	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-10	-14	-28	-45	-27	-19	-44	-147	52	-75	-54	-39	16
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-12	-13	-28	-44	-32	-19	-42	-156	27	-195	-48	-9	37
+ Dividends Paid	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Net Cash From Debt	- -	- -	- -	- -	- -	- -	- -	5	- -	- -	- -	- -	- -
+ Cash From Debt	- -	- -	- -	- -	- -	- -	- -	5	- -	- -	- -	- -	- -
+ Repayments of Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Financing Activities	14	39	21	37	41	10	42	188	111	11	47	18	34
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	14	39	21	37	44	10	50	193	111	11	47	18	34
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	4	27	-6	-5	14	-1	13	41	147	-176	12	24	84
EBITDA	-1	- -	2	4	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	-16.33	-0.93	19.25	31.34	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow	2	1	- -	2	-4	6	5	3	8	8	12	15	13
Net Cash Paid for Acquisitions	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow to Firm	- -	1	- -	2	-4	6	5	3	8	8	12	15	13
Free Cash Flow to Equity	2	1	- -	2	-4	6	5	8	8	8	12	15	13
Free Cash Flow per Basic Share	0.41	0.31	0.09	0.55	-1.02	1.45	1.03	0.49	1.55	1.54	2.14	2.62	2.13
Price/Free Cash Flow	12.31	23.13	81.86	13.84	-11.58	7.92	11.7	17.73	8.41	8.9	6.71	7.43	9.19
Cash Flow to Net Income	0.35	1.26	1.04	0.9	0.34	1.4	0.99	1.18	1.14	1.02	1.03	1.74	2.34
Capital Expenditures	-1	- -	-1	- -	-5	-1	- -	-2	-1	- -	- -	- -	- -