PPBN (Pinnacle Bankshares) Scaled Net Operating Assets: -0.23 (As of Jun. 2026)

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PPBN Pinnacle Bankshares Corp PPBN
70 GF Score
Price $60.96
GF Value $40.09
Valuation Significantly Overvalued
! 4 Warning Signs
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What is Pinnacle Bankshares Scaled Net Operating Assets?

Pinnacle Bankshares PPBN +0.66% 70 Scaled Net Operating Assets is -0.23 as of Jun. 2026. GuruFocus rates PPBN with a GF Score™ of 70/100 and a GF Value™ of $40.09 (Significantly Overvalued). The stock has 4 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Pinnacle Bankshares's operating assets for the quarter that ended in Jun. 2026 was $801.42 Mil. Pinnacle Bankshares's operating liabilities for the quarter that ended in Jun. 2026 was $1,048.02 Mil. Pinnacle Bankshares's Total Assets for the quarter that ended in Mar. 2026 was $1,090.35 Mil. Therefore, Pinnacle Bankshares's scaled net operating assets (SNOA) for the quarter that ended in Jun. 2026 was -0.23.

PPBN
70GF Score
Pinnacle Bankshares Corp PPBN
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Pinnacle Bankshares Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Pinnacle Bankshares's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(942.717-975.82)/1043.994
=-0.03

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1065.228 - 122.511
=942.717

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=975.82 - 0 - 0
=975.82

Pinnacle Bankshares's Scaled Net Operating Assets (SNOA) for the quarter that ended in Jun. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Jun. 2026 )
=(Operating Assets (Q: Jun. 2026 )-Operating Liabilities (Q: Jun. 2026 ))/Total Assets (Q: Mar. 2026 )
=(801.422-1048.02)/1090.346
=-0.23

where

Operating Assets(Q: Jun. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1141.859 - 340.437
=801.422

Operating Liabilities(Q: Jun. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1048.02 - 0 - 0
=1048.02

* 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.

What does a Scaled Net Operating Assets of -0.23 mean?
Pinnacle Bankshares (PPBN) has a Scaled Net Operating Assets of -0.23 as of Jun. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Pinnacle Bankshares and its competitors.
Is Pinnacle Bankshares' Scaled Net Operating Assets too high?
Pinnacle Bankshares' current Scaled Net Operating Assets is -0.23. Overall, Pinnacle Bankshares has a GF Score™ of 70/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pinnacle Bankshares' Scaled Net Operating Assets compare to BNCC and CCNB?
Pinnacle Bankshares' Scaled Net Operating Assets of -0.23 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Pinnacle Bankshares and its competitors. Pinnacle Bankshares's current Scaled Net Operating Assets is -0.23. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pinnacle Bankshares stock overvalued right now?
Based on GuruFocus' analysis, Pinnacle Bankshares (PPBN) is currently considered Significantly Overvalued. The stock's GF Value™ is $40.09, compared to a current price of $60.96 — trading 52.1% above its estimated fair value. The current Scaled Net Operating Assets is -0.23. Pinnacle Bankshares' overall GF Score™ is 70/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Pinnacle Bankshares (PPBN), the current Scaled Net Operating Assets is -0.23 as of Jun. 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 Bankshares (PPBN) Overvalued in 2026?

Based on GuruFocus' analysis, Pinnacle Bankshares stock appears to be overvalued. The current stock price of $60.96 is trading 52.1% above its estimated GF Value™ of $40.09. GuruFocus considers Pinnacle Bankshares to be Significantly Overvalued.

Key valuation signals for PPBN:

  • Scaled Net Operating Assets: -0.23
  • GF Value™: $40.09 vs. price of $60.96 (52.1% above fair value)
  • GF Score™: 70/100 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.
70GF Score

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$60.96
Price
$40.09
GF Value