PPBN (Pinnacle Bankshares) Cyclically Adjusted PS Ratio: (As of Sep. 20, 2026)

Author: Vera Yuan Vera Yuan
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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.
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Charlie Tian
Charlie Tian
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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
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What is Pinnacle Bankshares Cyclically Adjusted PS Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


Pinnacle Bankshares  (OTCPK:PPBN) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.


Pinnacle Bankshares Cyclically Adjusted PS Ratio Related Terms


Pinnacle Bankshares Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for Pinnacle Bankshares's Cyclically Adjusted PS Ratio 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 PS Ratio Chart

Pinnacle Bankshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.79 1.27 1.49 1.81 2.47

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 PS Ratio 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 1.81 2.03 2.44 2.44 2.81

PPBN vs SRBK, CHBH, FMBM: Cyclically Adjusted PS Ratio Comparison

For the Banks - Regional subindustry, Pinnacle Bankshares's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS 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 PS Ratio vs Banks Industry

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

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


PPBN
63GF Score
Pinnacle Bankshares Corp PPBN
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Pinnacle Bankshares Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.

Pinnacle Bankshares's Cyclically Adjusted Revenue per Share for the quarter that ended in Jun. 2026 is calculated as:

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

Adj_RevenuePerShare=Revenue per Share/CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=7.966/333.9520*333.9520
=7.966

Current CPI (Jun. 2026) = 333.9520.

Pinnacle Bankshares Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201609 3.029 241.428 4.190
201612 2.980 241.432 4.122
201703 2.879 243.801 3.944
201706 3.008 244.955 4.101
201709 3.090 246.819 4.181
201712 3.088 246.524 4.183
201803 3.102 249.554 4.151
201806 3.267 251.989 4.330
201809 3.290 252.439 4.352
201812 3.649 251.233 4.850
201903 3.510 254.202 4.611
201906 3.681 256.143 4.799
201909 3.538 256.759 4.602
201912 3.580 256.974 4.652
202003 3.513 258.115 4.545
202006 3.447 257.797 4.465
202009 3.558 260.280 4.565
202012 6.516 260.474 8.354
202103 3.678 264.877 4.637
202106 3.623 271.696 4.453
202109 3.888 274.310 4.733
202112 3.625 278.802 4.342
202203 3.739 287.504 4.343
202206 4.132 296.311 4.657
202209 4.544 296.808 5.113
202212 4.775 296.797 5.373
202303 4.619 301.836 5.110
202306 4.440 305.109 4.860
202309 4.796 307.789 5.204
202312 4.880 306.746 5.313
202403 4.549 312.332 4.864
202406 4.814 314.175 5.117
202409 4.832 315.301 5.118
202412 5.406 315.605 5.720
202503 5.064 319.799 5.288
202506 5.466 322.561 5.659
202509 5.513 324.800 5.668
202512 5.513 324.054 5.681
202603 5.571 330.213 5.634
202606 7.966 333.952 7.966

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue 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.

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 PS Ratio:
  • 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 PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$64.70
Price
$40.53
GF Value