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Pinnacle BancsharesPCLB 62 EV-to-FCF is 2.78 as of Aug. 02, 2026, which is 42% below its 10-year median of 4.82. 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 1,200 Banks companies, Pinnacle Bancshares ranks better than 68.83% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Pinnacle Bancshares's Enterprise Value is $11.62 Mil.
Pinnacle Bancshares's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $4.18 Mil. Therefore, Pinnacle Bancshares's EV-to-FCF for today is 2.78.
The historical rank and industry rank for Pinnacle Bancshares's EV-to-FCF or its related term are showing as below:
PCLB'
s EV-to-FCF Range Over the Past 10 Years
Min: 1.55 Med: 4.82 Max: 21.43
Current: 2.78
During the past 13 years, the highest EV-to-FCF of Pinnacle Bancshares was 21.43. The lowest was 1.55. And the median was 4.82.
PCLB's EV-to-FCF is ranked better than 68.83% of 1200
companies
in the Banks industry
Industry Median: 7.22
vs PCLB: 2.78
EV-to-FCF 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.
EV-to-FCF 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 Bancshares's PE Ratio (TTM) for today is calculated as:
Pinnacle Bancshares's share price for today is $40.05.
Pinnacle Bancshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.580.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Pinnacle Bancshares EV-to-FCF Related Terms
Pinnacle Bancshares EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Pinnacle Bancshares's EV-to-FCF 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.
For the Banks - Regional subindustry, Pinnacle Bancshares's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Pinnacle Bancshares's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Pinnacle Bancshares's EV-to-FCF falls into.
Pinnacle Bancshares's current Enterprise Value is $11.62 Mil.
Pinnacle Bancshares's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was $4.18 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.
Pinnacle Bancshares (PCLB) has a EV-to-FCF of 2.78 as of Aug. 02, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Pinnacle Bancshares and its competitors. This is 42% below median its historical median of 4.82. Over the past decade, Pinnacle Bancshares' EV-to-FCF has ranged from 1.55 to 21.43. According to the industry distribution chart, Pinnacle Bancshares ranks #374 out of 1200 companies in the Banks industry, placing it in the top 31.2%.
Is Pinnacle Bancshares' EV-to-FCF too high?
Pinnacle Bancshares' current EV-to-FCF of 2.78 is 42% below median its 10-year median of 4.82. Over the past 10 years, this metric has ranged from a low of 1.55 to a high of 21.43. The Banks industry median EV-to-FCF is 7.22. Pinnacle Bancshares' value of 2.78 is 61.5% below this industry median. Based on the distribution chart, Pinnacle Bancshares ranks #374 out of 1200 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' EV-to-FCF compare to OTTW and HRBK?
According to the Banks industry distribution chart, Pinnacle Bancshares ranks #374 out of 1200 companies for EV-to-FCF. This puts Pinnacle Bancshares in the upper half of its industry. The industry median EV-to-FCF is 7.22. Pinnacle Bancshares' value of 2.78 is 61.5% below this benchmark. Historically, Pinnacle Bancshares' own EV-to-FCF has ranged from 1.55 to 21.43 over the past decade. While the company's 10-year median is 4.82 vs. the industry median of 7.22, 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.22, based on 1,200 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pinnacle Bancshares's current EV-to-FCF of 2.78 is 61.5% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Pinnacle Bancshares and its competitors. For the Banks industry, the median EV-to-FCF is 7.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pinnacle Bancshares's current EV-to-FCF is 2.78, which is 42% below median its own 10-year median of 4.82. 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 EV-to-FCF is 2.78, which is 42% below median its 10-year median of 4.82 and 61.5% below the Banks industry median of 7.22. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Pinnacle Bancshares (PCLB), the current EV-to-FCF is 2.78 as of Aug. 02, 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 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:
EV-to-FCF: 2.78 (42% below median its 10-year median of 4.82)
GF Value™: $28.57 vs. price of $40.05 (40.2% above fair value)
Industry Position: 61.5% below the Banks median (#374 of 1200)
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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