PPBN (Pinnacle Bankshares) EV-to-OCF: (As of Sep. 22, 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 $40.55
Valuation Significantly Overvalued
! 4 Warning Signs
View Full Analysis

What is Pinnacle Bankshares EV-to-OCF?

EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Pinnacle Bankshares's Enterprise Value is $-12.67 Mil. Pinnacle Bankshares's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $ Mil. Therefore, Pinnacle Bankshares's EV-to-OCF for today is .

The historical rank and industry rank for Pinnacle Bankshares's EV-to-OCF or its related term are showing as below:

PPBN' s EV-to-OCF Range Over the Past 10 Years
Min: -1.14   Med: 0   Max: -0.6
Current: -1.14

During the past 13 years, the highest EV-to-OCF of Pinnacle Bankshares was -0.60. The lowest was -1.14. And the median was .

PPBN's EV-to-OCF is ranked better than
75.55% of 1489 companies
in the Banks industry
Industry Median: 4.16 vs PPBN: -1.14

EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-09-22), Pinnacle Bankshares's stock price is $64.70. Pinnacle Bankshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was $6.991. Therefore, Pinnacle Bankshares's PE Ratio (TTM) for today is 9.25.


Pinnacle Bankshares  (OTCPK:PPBN) EV-to-OCF Explanation

EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

Pinnacle Bankshares's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=64.70/6.991
=9.25

Pinnacle Bankshares's share price for today is $64.70.
Pinnacle Bankshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $6.991.

* 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.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.


Pinnacle Bankshares EV-to-OCF Related Terms


Pinnacle Bankshares EV-to-OCF Historical Data

* Premium members only.

The historical data trend for Pinnacle Bankshares's EV-to-OCF 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 EV-to-OCF Chart

Pinnacle Bankshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-OCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only -73.68 1.77 -5.89 -1.94 -1.79

Pinnacle Bankshares Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
EV-to-OCF 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 - - - - -

PPBN vs SRBK, CHBH, FMBM: EV-to-OCF Comparison

For the Banks - Regional subindustry, Pinnacle Bankshares's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry

For the Banks industry and Financial Services sector, Pinnacle Bankshares's EV-to-OCF distribution charts can be found below:

* The bar in red indicates where Pinnacle Bankshares's EV-to-OCF falls into.


PPBN
63GF Score
Pinnacle Bankshares Corp PPBN
EV-to-OCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Pinnacle Bankshares EV-to-OCF Calculation

Pinnacle Bankshares's EV-to-OCF for today is calculated as:

EV-to-OCF=Enterprise Value (Today)/Cash Flow from Operations (TTM)
=-12.666/
=

Pinnacle Bankshares's current Enterprise Value is $-12.67 Mil.
Pinnacle Bankshares's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $ Mil.

* 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.

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 $40.55. GuruFocus considers Pinnacle Bankshares to be Significantly Overvalued.

Key valuation signals for PPBN:

  • EV-to-OCF:
  • GF Value™: $40.55 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

EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$64.70
Price
$40.55
GF Value