Pinnacle Bancshares, Inc. Financial Ratios — PCLB Stock

Profitability (USD)

	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	16.83	15.91	5.97	16.66	17.8	11.5	9.47	8.05	11.65	9.45	12.75	11.12	10.17	8.59	8.3
Return on Assets (%)	0.75	0.76	0.3	0.92	1.14	0.83	0.71	0.6	1.25	1.26	1.52	1.34	1.33	1.18	1.18
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	4.25	2.48	7.98	8.84	6.53	6.01	5.58	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	1.58	35.42	16.51	34.78	38.65	27.82	31.2	29.31	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	33.01	13.6	32.75	36.12	28.15	25.5	23.31	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	-1,151.28	591.19	1,790.31	213.46	69.14	88.82	130.08	107.54	-91.81	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	32.92	33.01	13.6	32.75	36.12	28.15	25.5	23.31	33.71	35.86	43.93	43.39	42.64	38.95	38.3
Profit Margin (%)	20.95	20.53	8.14	21.69	23.73	19.5	17.52	16.02	27.32	28.7	35.7	33.87	33.16	30.6	30.67
Net Income to Common Margin (%)	20.95	20.53	8.14	21.69	23.73	19.5	17.52	16.02	27.32	28.7	35.7	33.87	33.16	30.6	30.67
Effective Tax Rate (%)	36.36	37.8	30.69	33.75	34.32	30.74	31.31	31.28	18.96	19.97	18.74	21.95	22.24	21.45	19.93
Dvd Payout Ratio (%)	42.71	41.09	89.79	35.28	26.16	38.64	44.96	48.34	27.21	23.67	18.23	20.87	21.93	24.13	23.17
Sustainable Growth Rate (%)	9.64	9.37	0.61	10.78	13.14	7.06	5.21	4.16	8.48	7.21	10.42	8.8	7.94	6.52	6.38

Credit (USD)

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	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	23	21	4	7	8	6	5	4	4	4	4	3	16	7	8
ST Debt	20	1	1	2	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	3	20	3	6	7	5	5	4	4	4	4	3	16	7	8
Total Debt/EBITDA	185.24	7.15	2.89	2.31	2.03	2.3	2.02	1.66	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	126.18	5.61	-1.3	1	1.08	0.7	-4.33	-3.52	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	7.67	3.51	2.45	2.18	2.27	2.48	2.08	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	6.02	-1.58	1.06	1.15	0.69	-5.29	-4.43	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	4.52	4.98	5.24	5.83	6.96	7.5	7.46	7.37	14.09	12.65	11.4	12.71	13.37	14.1	14.3
Long-Term Debt/Equity (%)	18.99	106.6	16.31	29.77	33.75	27.46	28.17	21.12	12.26	10.72	10.06	60.85	124.31	53.05	35.66
Long-Term Debt/Capital (%)	10.01	62.27	20.08	29.44	29.06	25.72	24.98	19.31	10.42	9.54	8.48	7.63	25.77	13.08	13.42
Long-Term Debt/Total Assets (%)	1.47	8.9	1.42	2.72	3.14	2.63	2.48	1.76	1.64	1.33	1.06	1.05	4.64	2.12	2.22
Total Debt/Equity (%)	131.21	111.62	21.09	37.3	41.38	28.49	28.17	21.12	12.26	10.72	10.06	60.85	124.31	53.05	35.66
Total Debt/Capital (%)	69.18	65.2	25.97	36.89	35.63	26.68	24.98	19.31	10.42	9.54	8.48	7.63	25.77	13.08	13.42
Total Debt/Total Assets (%)	10.14	9.32	1.84	3.41	3.85	2.73	2.48	1.76	1.64	1.33	1.06	1.05	4.64	2.12	2.22
Net Debt to Equity	89.38	87.61	-9.46	16.16	21.94	8.72	-60.2	-44.87	-23.61	-18.02	-36.11	-242.75	-169.79	-145.99	-105.48
Net Debt/Capital (%)	60.46	59.52	-18.67	20.2	22.69	10.03	-246.62	-103.46	-25.09	-19.1	-43.74	-43.73	-54.31	-56.22	-65.84
EBITDA	- -	3	1	3	4	2	3	2	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	3	1	3	4	2	3	2	- -	-1	-1	- -	-2	- -	- -
Operating Income (Loss)	- -	3	1	3	4	3	2	2	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	4.52	4.98	5.24	5.83	6.96	7.5	7.46	7.37	14.09	12.65	11.4	12.71	13.37	14.1	14.3
Long-Term Debt/Equity (%)	18.99	106.6	16.31	29.77	33.75	27.46	28.17	21.12	12.26	10.72	10.06	60.85	124.31	53.05	35.66
Long-Term Debt/Capital (%)	10.01	62.27	20.08	29.44	29.06	25.72	24.98	19.31	10.42	9.54	8.48	7.63	25.77	13.08	13.42
Long-Term Debt/Total Assets (%)	1.47	8.9	1.42	2.72	3.14	2.63	2.48	1.76	1.64	1.33	1.06	1.05	4.64	2.12	2.22
Total Debt/Equity (%)	131.21	111.62	21.09	37.3	41.38	28.49	28.17	21.12	12.26	10.72	10.06	60.85	124.31	53.05	35.66
Total Debt/Capital (%)	69.18	65.2	25.97	36.89	35.63	26.68	24.98	19.31	10.42	9.54	8.48	7.63	25.77	13.08	13.42
Total Debt/Total Assets (%)	10.14	9.32	1.84	3.41	3.85	2.73	2.48	1.76	1.64	1.33	1.06	1.05	4.64	2.12	2.22
CFO/Total Liabilities	1.6	0.86	0.21	1.11	3.26	1.22	1.65	0.58	2.09	1.23	1.37	1.43	1.96	1.18	1.25
CFO/CapEx	- -	- -	- -	- -	- -	- -	- -	- -	10.07	5.52	4.59	13.88	3.38	13.1	50.42
Altman's Z-Score	0.12	0.16	0.15	0.2	0.25	0.23	0.21	0.2	0.32	0.28	0.27	0.25	0.26	0.28	0.24

Working Capital (USD)

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	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	4.74	3.93	4.19	6.2	7.63	6.79	6.59	5.8	13.77	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	77.07	92.81	87.18	58.9	47.84	53.76	55.37	62.94	26.5	- -	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	6	6	7	10	13	12	12	13	26	25	34	19	17	25	- -
- Cash & Cash Equivalents	7	5	6	4	4	4	17	13	7	6	13	14	22	20	24
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	23	21	4	7	8	6	5	4	4	4	4	3	16	7	8
Enterprise Value	22	22	5	13	17	14	- -	4	22	23	25	8	11	12	-16
Total Capital	34	33	15	20	23	21	22	21	36	39	42	46	62	56	60
Total Debt/Capital (%)	69.18	65.2	25.97	36.89	35.63	26.68	24.98	19.31	10.42	9.54	8.48	7.63	25.77	13.08	13.42
Total Debt / EV	1.06	0.96	0.73	0.56	0.46	0.41	17.84	1.01	0.17	0.16	0.14	0.43	1.43	0.59	-0.51
EV/Sales	2.76	2.65	0.65	1.42	1.69	1.57	0.04	0.48	2.09	2.04	1.91	0.62	0.82	0.94	- -
EV/EBITDA	174.92	7.47	3.96	4.09	4.38	5.65	0.11	1.64	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	8.02	4.8	4.34	4.69	5.58	0.14	2.07	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	6.5	12.34	13.25	6.01	2.81	6.11	0.09	3.3	5.3	7.61	6.04	1.76	1.72	3.18	- -
EV/Free Cash Flow to Firm	6.5	12.34	13.25	6.01	2.81	6.11	0.09	3.3	4.82	6.44	4.96	1.64	1.33	2.95	- -
Diluted Market Cap	6	6	7	10	13	13	12	13	26	25	34	19	17	25	- -
Diluted Enterprise Value	22	22	5	13	18	14	1	4	22	23	25	8	11	12	-16
EV per Share	12.35	12.55	3.09	7.45	10.92	8.97	0.2	2.72	21.36	22.76	25.83	8.71	12.25	13.74	- -
TTM Sales	8	8	8	9	10	9	9	8	11	11	13	13	14	13	14
TTM EBITDA	- -	3	1	3	4	2	3	2	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	3	1	3	4	3	2	2	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	3	2	- -	2	6	2	3	1	4	3	4	5	6	4	4
TTM Free Cash Flow to Firm	3	2	- -	2	6	2	3	1	5	4	5	5	8	4	4

Multiples (USD)

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	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	1.82	3.08	17.59	4.56	2.16	5.49	3.68	10.5	5.59	7.16	6.79	3.73	2.02	6	- -
EV/EBIT	- -	8.02	4.8	4.34	4.69	5.58	0.14	2.07	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	22	22	5	13	17	14	- -	4	22	23	25	8	11	12	-16
Low Price	8	6.5	6.94	7.91	11.2	13.5	12.75	13.56	22	22.01	28.65	21.63	16.25	19.4	28.06
EV/Sales	2.76	2.65	0.65	1.42	1.69	1.57	0.04	0.48	2.09	2.04	1.91	0.62	0.82	0.94	- -
EV/EBITDA	174.92	7.47	3.96	4.09	4.38	5.65	0.11	1.64	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	3.67	3.22	10.65	4.95	5.38	7.06	7.91	9.45	8.87	7.88	7.33	4.13	3.78	6.24	- -
Price/Earnings Average	4.25	3.62	9.44	4.1	4.28	7.01	7.55	8.48	8.01	7.43	6.02	6.31	3.82	5.67	- -
Price/Earnings High	12.81	9.76	23.38	10.82	10.9	16.63	16.07	17.69	11.11	9.43	8.33	8.55	5.08	7.31	- -
Price/Earnings Low	8.54	6.68	18.03	6.96	7.32	12.14	13.01	14.99	7.88	6.86	5.94	4.51	3.3	4.34	- -
Price/Book Value	0.59	0.49	0.64	0.78	0.9	0.78	0.73	0.75	0.79	0.72	0.89	0.44	0.37	0.52	- -
Price/Book Value Average	0.68	0.55	0.56	0.65	0.71	0.78	0.7	0.67	0.71	0.68	0.73	0.67	0.37	0.47	- -
Price/Book Value High	2.06	1.48	1.4	1.71	1.82	1.85	1.48	1.4	0.99	0.86	1.01	0.91	0.5	0.61	- -
Price/Book Value Low	1.37	1.02	1.08	1.1	1.22	1.35	1.2	1.18	0.7	0.63	0.72	0.48	0.32	0.36	- -
Price/Tangible Book Value	0.35	0.3	0.39	0.51	0.68	0.62	0.63	0.67	0.84	0.74	0.97	3.43	1.36	1.87	- -
Price/Tangible Book Value Average	0.41	0.33	0.34	0.42	0.54	0.62	0.6	0.6	0.76	0.7	0.8	5.23	1.37	1.7	- -
Price/Tangible Book Value High	1.23	0.9	0.85	1.11	1.38	1.47	1.28	1.25	1.05	0.88	1.11	7.09	1.82	2.19	- -
Price/Tangible Book Value Low	0.82	0.62	0.66	0.71	0.93	1.07	1.03	1.06	0.75	0.64	0.79	3.74	1.18	1.3	- -
Price/Sales	0.77	0.66	0.87	1.07	1.28	1.38	1.39	1.51	2.42	2.26	2.62	1.4	1.25	1.91	- -
Price/Sales Average	0.89	0.74	0.77	0.89	1.01	1.37	1.32	1.36	2.19	2.13	2.15	2.14	1.27	1.73	- -
Price/Sales High	2.68	2	1.9	2.35	2.59	3.24	2.81	2.83	3.03	2.71	2.97	2.9	1.68	2.24	- -
Price/Sales Low	1.79	1.37	1.47	1.51	1.74	2.37	2.28	2.4	2.15	1.97	2.12	1.53	1.09	1.33	- -
Price/Cash Flow	1.81	3.08	17.59	4.54	2.12	5.35	3.61	10.39	6.14	8.45	8.27	3.99	2.62	6.46	- -
Price/Cash Flow Average	2.09	3.47	15.59	3.76	1.68	5.32	3.45	9.32	5.55	7.97	6.79	6.1	2.65	5.86	- -
Price/Cash Flow High	6.31	9.34	38.62	9.93	4.29	12.61	7.35	19.44	7.7	10.11	9.39	8.26	3.52	7.56	- -
Price/Cash Flow Low	4.21	6.39	29.78	6.38	2.88	9.2	5.95	16.47	5.46	7.36	6.69	4.36	2.29	4.49	- -
Price/Free Cash Flow Average	2.1	3.47	15.59	3.77	1.72	5.45	3.51	9.42	5.04	6.75	5.57	5.69	2.04	5.45	- -
Price/Free Cash Flow High	6.33	9.34	38.62	9.96	4.38	12.93	7.48	19.65	7	8.56	7.71	7.71	2.71	7.03	- -
Price/Free Cash Flow Low	4.22	6.39	29.78	6.4	2.94	9.43	6.06	16.66	4.97	6.23	5.5	4.07	1.76	4.17	- -
EV/Sales Average	2.88	2.73	0.55	1.24	1.43	1.56	0.01	0.33	1.86	1.91	1.44	1.35	0.84	0.76	- -
EV/Sales High	4.68	3.99	1.69	2.7	3	3.44	1.47	1.8	2.7	2.48	2.27	2.11	1.25	1.27	- -
EV/Sales Low	3.78	3.36	1.25	1.86	2.15	2.56	0.93	1.37	1.82	1.74	1.41	0.74	0.66	0.36	- -
EV/EBITDA Average	182.56	7.71	3.36	3.56	3.7	5.62	-0.09	1.11	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	296.19	11.27	10.24	7.75	7.77	12.36	4.7	6.14	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	239.52	9.48	7.6	5.34	5.57	9.21	2.98	4.67	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	8.27	4.07	3.78	3.96	5.55	-0.11	1.4	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	12.09	12.43	8.23	8.31	12.22	5.75	7.72	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	10.17	9.22	5.67	5.96	9.1	3.64	5.87	- -	- -	- -	- -	- -	- -	- -
Last Price	3.44	3.13	4.1	5.63	8.23	7.85	7.75	8.55	24.74	25.29	35.39	19.82	18.64	27.92	32.68
High Price	12	9.5	9	12.31	16.67	18.5	15.75	16	31	30.26	40.2	41	25	32.7	34.7
Enterprise Value Average	23	23	5	11	15	14	- -	3	20	21	19	18	11	10	-16
Enterprise Value High	37	34	14	25	31	31	13	15	29	27	30	28	17	17	-16
Enterprise Value Low	30	28	11	17	22	23	8	12	19	19	19	10	9	5	-16

	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	2	2	2	2	2	2	2	1	- -	1	1	1	1	1	1
Diluted Weighted Avg Shares	2	2	2	2	2	2	2	2	1	1	1	1	1	1	- -
Basic Weighted Avg Shares	2	2	2	2	2	2	2	1	1	1	1	1	1	1	- -
Revenue per Share	4.47	4.74	4.73	5.24	6.45	5.7	5.6	5.65	10.22	11.18	13.52	14.16	14.86	14.62	- -
EBITDA per Share	0.07	1.68	0.78	1.82	2.49	1.59	1.75	1.66	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	1.56	0.64	1.72	2.33	1.61	1.43	1.32	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.94	0.97	0.38	1.14	1.53	1.11	0.98	0.9	2.79	3.21	4.83	4.79	4.93	4.48	- -
Basic EPS from Cont Ops	0.94	0.97	0.45	1.14	1.53	1.11	0.98	0.9	2.79	3.21	4.83	4.79	4.93	4.48	- -
Diluted EPS, GAAP	0.93	0.97	0.38	1.13	1.5	1.09	0.96	0.89	2.79	3.21	4.83	4.79	4.93	4.48	- -
Diluted EPS from Cont Ops	0.93	0.97	0.45	1.13	1.5	1.09	0.96	0.89	2.79	3.21	4.83	4.79	4.93	4.48	- -
Dividend per Share	0.4	0.4	0.4	0.4	0.4	0.43	0.44	0.44	0.76	0.76	0.88	1	1.08	1.08	- -
Cash Flow per Share	1.9	1.02	0.23	1.24	3.89	1.47	2.14	0.82	4.03	2.99	4.28	4.96	7.11	4.32	- -
Free Cash Flow per Basic Share	1.9	1.02	0.23	1.24	3.89	1.47	2.14	0.82	3.63	2.45	3.35	4.6	5.01	3.99	- -
Cash & Equivalents per Share	4.17	2.58	3.27	2.38	2.38	2.53	11.09	8.58	7.02	6.24	13.24	14.82	23.87	22.27	- -
Book Value per Share	5.82	6.4	6.44	7.2	9.16	10.01	10.61	11.47	31.36	35.2	39.83	45.01	50.35	53.8	- -
Tangible Book Value per Share	9.75	10.55	10.54	11.1	12.06	12.59	12.35	12.79	29.45	34.32	36.36	5.78	13.72	14.92	- -

Pinnacle Bancshares, Inc.

Profitability (USD)

Credit (USD)

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Enterprise Value (USD)

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Per Share Data Items (USD)