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Pinnacle Bancshares, Inc (PCLB) Fair Value & Analysis

Financial Services · US · Market cap $34.1M

Price$38.00
Fair Value$60.62
Upside+59.5%
Quality95/100
Evidence: High Range $45.47 – $75.78

Fair value as of: Jun 26, 2026

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Analysis

Pinnacle Bancshares, Inc (PCLB) currently trades at $38.00, while our model-based Fair Value estimate is $60.62 — implying the stock looks roughly 59.5% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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 mobile banking; and debit and credit cards. Further, it operates ATMs. Pinnacle Bancshares, Inc. was incorporated in 1935 and is based in Jasper, Alabama.

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Frequently asked questions

Is Pinnacle Bancshares, Inc (PCLB) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $60.62 versus a price of $38.00 — about +60% (undervalued). Model-based estimate, not financial advice.
What is the fair value of PCLB?
Our 21-model fair value for Pinnacle Bancshares, Inc is $60.62 (as of Jun 26, 2026), built from audited fundamentals. The current price is $38.00.
What is the quality score of PCLB?
Pinnacle Bancshares, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.