Pinnacle Bankshares Corporation (PPBN) Fair Value & Analysis
Financial Services · US · Market cap $123M
Fair value as of: Jun 26, 2026
Analysis
Pinnacle Bankshares Corporation (PPBN) currently trades at $55.10, while our model-based Fair Value estimate is $62.93 — implying the stock looks roughly 14.2% 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 Bankshares Corporation operates as a bank holding company for First National Bank that provides commercial and retail banking products and services in the United States. The company accepts checking accounts, savings and time deposits, individual retirement accounts, certificates of deposit, and money market accounts. It also offers loan products, such as residential and commercial mortgages, home equity loans, consumer installment loans, agricultural loans, investment loans, small business loans, commercial loans, lines of credit, and letters of credit. In addition, the company provides managed investment accounts, financial planning, college savings plans, fixed and variable annuities, and investment advisory services; life, long term care, and disability insurance; night drop drawers, safe deposit boxes, notary services, remote deposit capture, and merchant bankcard processing; and online and mobile banking. It operates through branches in Amherst County, Bedford County,…
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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.