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Pinnacle BancsharesPCLB 62 FCF Margin % is 27.69% as of Dec. 2025, which is 4% below its 10-year median of 28.95. 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 1,502 Banks companies, Pinnacle Bancshares ranks better than 69.64% on this metric.
The historical data trend for Pinnacle Bancshares's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Pinnacle Bancshares's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Pinnacle Bancshares's FCF Margin % 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 FCF Margin % of 27.69% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Pinnacle Bancshares and its competitors. This is near median its historical median of 28.95. Over the past decade, Pinnacle Bancshares' FCF Margin % has ranged from 0.07 to 40.76. According to the industry distribution chart, Pinnacle Bancshares ranks #456 out of 1502 companies in the Banks industry, placing it in the top 30.4%.
Is Pinnacle Bancshares' FCF Margin % too high?
Pinnacle Bancshares' current FCF Margin % of 27.69% is near median its 10-year median of 28.95. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 40.76. The Banks industry median FCF Margin % is 26.12. Pinnacle Bancshares' value of 27.69% is 6% above this industry median. Based on the distribution chart, Pinnacle Bancshares ranks #456 out of 1502 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' FCF Margin % compare to OTTW and HRBK?
According to the Banks industry distribution chart, Pinnacle Bancshares ranks #456 out of 1502 companies for FCF Margin %. This puts Pinnacle Bancshares in the upper half of its industry. The industry median FCF Margin % is 26.12. Pinnacle Bancshares' value of 27.69% is 6% above this benchmark. Historically, Pinnacle Bancshares' own FCF Margin % has ranged from 0.07 to 40.76 over the past decade. While the company's 10-year median is 28.95 vs. the industry median of 26.12, Pinnacle Bancshares has consistently been above 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.12, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pinnacle Bancshares's current FCF Margin % of 27.69% is 6% above 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Pinnacle Bancshares and its competitors. For the Banks industry, the median FCF Margin % is 26.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pinnacle Bancshares's current FCF Margin % is 27.69%, which is near median its own 10-year median of 28.95. 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 FCF Margin % is 27.69%, which is near median its 10-year median of 28.95 and 6% above the Banks industry median of 26.12. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Pinnacle Bancshares (PCLB), the current FCF Margin % is 27.69% 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:
FCF Margin %: 27.69% (near median its 10-year median of 28.95)
GF Value™: $28.57 vs. price of $40.05 (40.2% above fair value)
Industry Position: 6% above the Banks median (#456 of 1502)
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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