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Pinnacle BancsharesPCLB 62 Debt-to-Equity is 0.36 as of Dec. 2025, which is at its 10-year median of 0.36. GuruFocus rates PCLB with a GF Score™ of 62/100 and a GF Value™ of $28.57 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,422 Banks companies, Pinnacle Bancshares ranks better than 65.54% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Pinnacle Bancshares's Debt-to-Equity or its related term are showing as below:
PCLB'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.1 Med: 0.36 Max: 1.24
Current: 0.34
During the past 13 years, the highest Debt-to-Equity Ratio of Pinnacle Bancshares was 1.24. The lowest was 0.10. And the median was 0.36.
PCLB's Debt-to-Equity is ranked better than 65.54% of 1422
companies
in the Banks industry
Industry Median: 0.575
vs PCLB: 0.34
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Pinnacle Bancshares Debt-to-Equity Related Terms
Pinnacle Bancshares Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Pinnacle Bancshares's Debt-to-Equity 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.
PCLB vs OTTW, HRBK, GNRV: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Pinnacle Bancshares's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Bancshares Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Pinnacle Bancshares's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Pinnacle Bancshares's Debt-to-Equity falls into.
* 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 Bancshares (PCLB) has a Debt-to-Equity of 0.36 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Pinnacle Bancshares and its competitors. This is near median its historical median of 0.36. Over the past decade, Pinnacle Bancshares' Debt-to-Equity has ranged from 0.10 to 1.24. According to the industry distribution chart, Pinnacle Bancshares ranks #490 out of 1422 companies in the Banks industry, placing it in the top 34.5%.
Is Pinnacle Bancshares' Debt-to-Equity too high?
Pinnacle Bancshares' current Debt-to-Equity of 0.36 is near median its 10-year median of 0.36. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 1.24. The Banks industry median Debt-to-Equity is 0.58. Pinnacle Bancshares' value of 0.36 is 37.4% below this industry median. Based on the distribution chart, Pinnacle Bancshares ranks #490 out of 1422 companies in the Banks industry, which is above the industry midpoint. Overall, Pinnacle Bancshares has a GF Score™ of 62/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pinnacle Bancshares' Debt-to-Equity compare to OTTW and HRBK?
According to the Banks industry distribution chart, Pinnacle Bancshares ranks #490 out of 1422 companies for Debt-to-Equity. This puts Pinnacle Bancshares in the upper half of its industry. The industry median Debt-to-Equity is 0.58. Pinnacle Bancshares' value of 0.36 is 37.4% below this benchmark. Historically, Pinnacle Bancshares' own Debt-to-Equity has ranged from 0.10 to 1.24 over the past decade. While the company's 10-year median is 0.36 vs. the industry median of 0.58, Pinnacle Bancshares has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,422 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pinnacle Bancshares's current Debt-to-Equity of 0.36 is 37.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Pinnacle Bancshares and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pinnacle Bancshares's current Debt-to-Equity is 0.36, which is near median its own 10-year median of 0.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pinnacle Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Pinnacle Bancshares (PCLB) is currently considered Significantly Overvalued. The stock's GF Value™ is $28.57, compared to a current price of $40.05 — trading 40.2% above its estimated fair value. The current Debt-to-Equity is 0.36, which is near median its 10-year median of 0.36 and 37.4% below the Banks industry median of 0.58. Pinnacle Bancshares' overall GF Score™ is 62/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Pinnacle Bancshares (PCLB), the current Debt-to-Equity is 0.36 as of Dec. 2025. 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 Bancshares (PCLB) Overvalued in 2026?
Based on GuruFocus' analysis, Pinnacle Bancshares stock appears to be overvalued.
The current stock price of $40.05 is trading 40.2% above its estimated GF Value™ of $28.57.
GuruFocus considers Pinnacle Bancshares to be Significantly Overvalued.
Key valuation signals for PCLB:
Debt-to-Equity: 0.36 (near median its 10-year median of 0.36)
GF Value™: $28.57 vs. price of $40.05 (40.2% above fair value)
Industry Position: 37.4% below the Banks median (#490 of 1422)
No single metric tells the full story. See the PCLB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Pinnacle Bancshares Inc is a bank holding company that provides a range of banking services and products, including checking and savings accounts, as well as demand and time deposits.
62GF Score
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