Pinnacle Bancshares (PCLB) Stock Analysis & Winston Score

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.

Winston Score History

Growth Profile

For growth stock investors

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

Revenue Growth

+5.5% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+6.2% YoY

YoY Growth Rate

Slow EPS growth

Insider Activity

0.0%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$3M 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 6% 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

Every number that matters to educated investors.

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Quality

Gross Margin

75.6%

Premium pricing power — 75.6% gross margin

Operating Margin

28.6%

Excellent — 28.6% operating margin

ROCE

4.5%

Weak — 4.5% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+3.7%

Slow sales growth (3.7% YoY)

EPS YoY

+4.0%

Modest earnings growth (4.0% YoY)

Single-digit earnings growth — steady but not exciting.

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Cash Conversion

108%

Turns 108% of profit into real cash

FCF Margin

22.9%

Converts sales into free cash efficiently (22.9%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.32

Conservative — low debt load (0.32)

Interest Cover

1.20x

Dangerous — barely covers interest (1.2x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

P/E Ratio (TTM)

9.1x

no trend

Attractive valuation — P/E 9.1

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

P/E vs Forward

N/A

not available

Data not available

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Dividends

Dividend Yield

2.77%

no trend

Moderate income — 2.77% yield

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

Dividend Growth

+0.0%

no trend

Dividend flat

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