PPBN (Pinnacle Bankshares) Cyclically Adjusted Book per Share: $35.32 (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

PPBN Pinnacle Bankshares Corp PPBN
63 GF Score
Price $64.70
GF Value $40.53
Valuation Significantly Overvalued
! 4 Warning Signs
View Full Analysis

What is Pinnacle Bankshares Cyclically Adjusted Book per Share?

Pinnacle Bankshares PPBN -1.16% 63 Cyclically Adjusted Book per Share is $35.32 as of Jun. 2026. GuruFocus rates PPBN with a GF Score™ of 63/100 and a GF Value™ of $40.53 (Significantly Overvalued). The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Pinnacle Bankshares's adjusted book value per share for the three months ended in Jun. 2026 was $43.419. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $35.32 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Pinnacle Bankshares's average Cyclically Adjusted Book Growth Rate was 6.30% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 4.80% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 6.00% per year. During the past 10 years, the average Cyclically Adjusted Book Growth Rate was 6.00% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Pinnacle Bankshares was 7.30% per year. The lowest was 1.70% per year. And the median was 4.70% per year.

As of today (2026-09-20), Pinnacle Bankshares's current stock price is $64.70. Pinnacle Bankshares's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 was $35.32. Pinnacle Bankshares's Cyclically Adjusted PB Ratio of today is 1.83.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Pinnacle Bankshares was 1.93. The lowest was 0.61. And the median was 1.01.


Pinnacle Bankshares  (OTCPK:PPBN) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Pinnacle Bankshares's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=64.70/35.32
=1.83

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Pinnacle Bankshares was 1.93. The lowest was 0.61. And the median was 1.01.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Pinnacle Bankshares Cyclically Adjusted Book per Share Related Terms


Pinnacle Bankshares Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Pinnacle Bankshares's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Pinnacle Bankshares Cyclically Adjusted Book per Share Chart

Pinnacle Bankshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 27.70 29.69 30.99 32.53 34.28

Pinnacle Bankshares Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 33.28 33.74 33.90 34.71 35.32

PPBN vs SRBK, CHBH, FMBM: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, Pinnacle Bankshares's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Pinnacle Bankshares Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Pinnacle Bankshares's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Pinnacle Bankshares's Cyclically Adjusted PB Ratio falls into.


PPBN
63GF Score
Pinnacle Bankshares Corp PPBN
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Pinnacle Bankshares Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Pinnacle Bankshares's adjusted Book Value per Share data for the three months ended in Jun. 2026 was:

Adj_Book= Book Value per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=43.419/333.9520*333.9520
=43.419

Current CPI (Jun. 2026) = 333.9520.

Pinnacle Bankshares Quarterly Data

Book Value per Share CPI Adj_Book
201609 241.428 0.000
201612 24.008 241.432 33.208
201703 24.497 243.801 33.555
201706 24.880 244.955 33.919
201709 25.343 246.819 34.290
201712 25.372 246.524 34.370
201803 25.718 249.554 34.416
201806 26.221 251.989 34.750
201809 26.403 252.439 34.929
201812 27.344 251.233 36.347
201903 28.382 254.202 37.286
201906 29.173 256.143 38.035
201909 29.846 256.759 38.819
201912 29.294 256.974 38.069
202003 29.079 258.115 37.623
202006 30.168 257.797 39.080
202009 30.309 260.280 38.888
202012 27.025 260.474 34.649
202103 27.040 264.877 34.092
202106 27.381 271.696 33.655
202109 27.968 274.310 34.049
202112 28.736 278.802 34.420
202203 26.490 287.504 30.770
202206 24.871 296.311 28.030
202209 23.323 296.808 26.242
202212 26.169 296.797 29.445
202303 28.003 301.836 30.983
202306 28.060 305.109 30.713
202309 28.613 307.789 31.045
202312 31.119 306.746 33.879
202403 31.989 312.332 34.203
202406 32.855 314.175 34.923
202409 34.931 315.301 36.997
202412 35.432 315.605 37.492
202503 36.778 319.799 38.406
202506 37.946 322.561 39.286
202509 39.399 324.800 40.509
202512 40.178 324.054 41.405
202603 40.837 330.213 41.299
202606 43.419 333.952 43.419

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of $35.32 mean?
Pinnacle Bankshares (PPBN) has a Cyclically Adjusted Book per Share of $35.32 as of Jun. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Pinnacle Bankshares and its competitors.
Is Pinnacle Bankshares' Cyclically Adjusted Book per Share too high?
Pinnacle Bankshares' current Cyclically Adjusted Book per Share is $35.32. Overall, Pinnacle Bankshares has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pinnacle Bankshares' Cyclically Adjusted Book per Share compare to SRBK and CHBH?
Pinnacle Bankshares' Cyclically Adjusted Book per Share of $35.32 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Pinnacle Bankshares and its competitors. Pinnacle Bankshares's current Cyclically Adjusted Book per Share is $35.32. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pinnacle Bankshares stock overvalued right now?
Based on GuruFocus' analysis, Pinnacle Bankshares (PPBN) is currently considered Significantly Overvalued. The stock's GF Value™ is $40.53, compared to a current price of $64.70 — trading 59.6% above its estimated fair value. The current Cyclically Adjusted Book per Share is $35.32. Pinnacle Bankshares' overall GF Score™ is 63/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Pinnacle Bankshares (PPBN), the current Cyclically Adjusted Book per Share is $35.32 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Pinnacle Bankshares (PPBN) Overvalued in 2026?

Based on GuruFocus' analysis, Pinnacle Bankshares stock appears to be overvalued. The current stock price of $64.70 is trading 59.6% above its estimated GF Value™ of $40.53. GuruFocus considers Pinnacle Bankshares to be Significantly Overvalued.

Key valuation signals for PPBN:

  • Cyclically Adjusted Book per Share: $35.32
  • GF Value™: $40.53 vs. price of $64.70 (59.6% above fair value)
  • GF Score™: 63/100 with 4 warning signs

No single metric tells the full story. See the PPBN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Pinnacle Bankshares Business Description

Address 622 Broad Street, Post Office Box 29, Altavista, VA, USA, 24517
Pinnacle Bankshares Corp is a bank holding company. It offers commercial and retail banking products and services including checking, savings and time deposits, individual retirement accounts, merchant bankcard processing, residential and commercial mortgages, loans, Treasury services, Business and Personal Credit Card, Telephone banking, commercial lines of credit, letters of credit and Others. The company also offers investment, insurance, and annuity products.
63GF Score

Get the complete analysis for PPBN

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$64.70
Price
$40.53
GF Value