Pinnacle Bankshares Corporation

Pinnacle Bankshares Corporation

PPBN
Pinnacle Bankshares CorporationUS flagOther OTC
51.96
USD
-0.04
- -
115.63MMarket Cap
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
TTM
Revenue per Share
10.75
10.06
10.67
11.5
12.24
13.39
14.39
14.63
14.7
16.93
18.54
19.31
21.24
20.49
Basic EPS, GAAP
1.75
1.42
1.8
1.97
1.8
2.71
2.84
1.85
2.02
3.78
4.45
4.15
4.85
4.43
Free Cash Flow per Basic Share
0.31
0.85
2.16
-0.59
-0.25
3.7
3
-0.13
1
3.79
1.59
5.39
4.37
- -
Dividend per Share
0.23
0.32
0.34
0.38
0.4
0.44
0.55
0.58
0.55
0.61
0.85
1
1.06
- -
Book Value per Share
20.54
21.63
22.96
24.52
26.11
28.23
30.32
30.7
24.97
28.02
31.25
34.15
37.79
35.77
Tangible Book Value per Share
20.76
21.23
22.5
23.62
25.03
27.04
28.99
33.93
27.89
25.36
30.45
34.77
39.64
37.43
Basic Weighted Avg Shares
2
2
2
2
2
2
2
2
2
2
2
2
2
2
Sales/Revenue/Turnover
16
15
16
18
19
21
22
24
32
37
41
43
47
45
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
- -
- -
- -
- -
1
1
1
1
1
1
1
1
1
- -
Net Income, GAAP
3
2
3
3
3
4
4
3
4
8
10
9
11
10
Effective Tax Rate (%)
31.89
31.1
32.28
31.73
36.34
17.61
18.05
26.68
16.14
17.88
17.17
17.75
19.02
17.67
Profit Margin (%)
16.3
14.12
16.88
17.14
14.69
20.21
19.71
12.63
13.74
22.36
24.01
21.49
22.82
21.64
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
2
1
1
1
- -
- -
- -
10
10
10
10
10
- -
- -
Total Equity
32
33
35
37
39
42
45
58
62
57
68
78
89
84
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
8.87
6.74
8.1
8.31
7.11
9.99
9.73
6.26
8.34
14.32
15.07
12.74
13.5
13.02

Capital Structure

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
10
10
10
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
2
2
2
Market Capitalization
69
71
73

Working Capital

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
284
268
263
Accounts Receivable, Net
3
3
3
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
2
1
1
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
10.3%
9.39%
14.06%
Free Cash Flow
-255.03%
-131.97%
-18.56%
Net Income, GAAP
18.89%
32.22%
17.37%
Sales/Revenue/Turnover
11.47%
14.59%
10.51%
Total Cash Common Dividend
16.77%
20.29%
6.56%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
10
10
11
12
43
2025
11
12
12
- -
47
2026
12
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.95
1
0.94
- -
4.15
2025
1.02
1.21
- -
- -
4.85
2026
1.39
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
1
2025
- -
- -
- -
- -
1.06
2026
- -
- -
- -
- -
- -

Company Description

APIChat
CEO
Aubrey H. Hall
Full Time Employees
183
Sector
Financial Services
Industry
Banks - Regional
Address
622 Broad Street Altavista VA United States of America 24517
IPO Date
Nov 4, 1999
Business
Pinnacle Bankshares Corporation (OTCQX: PPBN) operates as the one-bank holding company for First National Bank, a community bank providing commercial and retail banking products and services in Central and Southern Virginia; its deposit products include checking accounts, savings and time deposits, individual retirement accounts, certificates of deposit, and money market accounts; loan products encompass residential and commercial mortgage loans, home equity loans, consumer installment loans, agricultural loans, investment loans, small business loans, commercial loans, lines of credit, and letters of credit; additional offerings comprise credit cards, property and casualty insurance, life and health insurance, treasury services, investment and annuity products, overdraft protection, merchant bankcard processing, remote deposit capture, online bill pay, digital wallet, mobile banking, night drop, safe deposit boxes, notary services, and telephone banking. Founded in 1908 and headquartered in Altavista, Virginia, at 622 Broad Street, the company maintains 19 branches primarily serving Amherst, Bedford, Campbell, Halifax, and Pittsylvania Counties, as well as Charlottesville, Danville, and Lynchburg. Subsidiaries include FNB Property Corp. and First Properties, Inc., supporting its focus on regional banking for individuals, small businesses, and agricultural customers. In recent developments, Pinnacle Bankshares declared a quarterly cash dividend of $0.28 per share on November 11, 2025, reflecting a 4% increase from the prior quarter and marking the third dividend hike in 2025 alongside 53 consecutive quarters of payments; total loans grew 2% year-over-year through mid-2025, reaching higher levels from $711.9 million at year-end 2024.

Company News

APIChat
  • Pinnacle Bankshares Corporation Announces Increased Dividend and Results of the 2026 Annual Meeting of Shareholders

  • Pinnacle Bankshares Corporation Announces First National Bank’s Sale of Membership in Bearing Insurance Group, LLC

  • Pinnacle Bankshares Corporation Announces First National Bank's Sale of Membership in Bearing Insurance Group, LLC

  • Pinnacle Bankshares Corporation Announces Record High Quarterly Earnings

  • Pinnacle Bankshares (OTCMKTS:PPBN) Stock Price Passes Above 50-Day Moving Average – Here’s Why

  • Pinnacle Bankshares (OTCMKTS:PPBN) Stock Passes Above 50-Day Moving Average – Here’s Why

  • Pinnacle Bankshares Corporation Announces Quarterly Cash Dividend of 28 Cents per Share & Approval of Stock Repurchase Plan

  • Pinnacle Bankshares Corporation Announces 2025 4th Quarter & Record High Full-Year Earnings

  • Pinnacle Bankshares (OTCMKTS:PPBN) Stock Passes Above 50-Day Moving Average – What’s Next?

  • Pinnacle Bankshares (OTCMKTS:PPBN) vs. Fifth District Bancorp (NASDAQ:FDSB) Financial Contrast

  • Pinnacle Bankshares Corporation Announces Increased Dividend

  • Pinnacle Bankshares Corporation Announces 3rd Quarter/Year to Date 2025 Earnings

  • Pinnacle Bankshares Corporation Announces Increased Dividend

  • Pinnacle Bankshares Corporation Announces Increased Dividend

  • Pinnacle Bankshares Corporation Announces First Quarter 2025 Earnings

  • Pinnacle Bankshares Corporation Announces 2024 4th Quarter & Full-Year Earnings

  • Pinnacle Bankshares Corporation Announces Quarterly Cash Dividend of 25 Cents per Share

  • Pinnacle Bankshares Corporation Announces Quarterly Cash Dividend of 25 Cents per Share

  • Pinnacle Bankshares Corporation Announces 3rd Quarter/Year to Date 2024 Earnings

  • First National Bank announces Allison Daniels as Chief Information Officer and Michelle Gaydica as Chief Operating Officer