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Pinnacle BancsharesPCLB 62 5-Year Yield-on-Cost % is 3.84 as of Aug. 02, 2026, which is 14% below its 10-year median of 4.44. 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 1,251 Banks companies, Pinnacle Bancshares ranks worse than 50.04% on this metric.
Pinnacle Bancshares's yield on cost for the quarter that ended in Dec. 2025 was 3.84.
The historical rank and industry rank for Pinnacle Bancshares's 5-Year Yield-on-Cost % or its related term are showing as below:
PCLB'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.9 Med: 4.44 Max: 8.38
Current: 3.84
During the past 13 years, Pinnacle Bancshares's highest Yield on Cost was 8.38. The lowest was 0.90. And the median was 4.44.
PCLB's 5-Year Yield-on-Cost % is ranked worse than 50.04% of 1251
companies
in the Banks industry
Industry Median: 3.84
vs PCLB: 3.84
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Pinnacle Bancshares 5-Year Yield-on-Cost % Related Terms
PCLB vs OTTW, HRBK, GNRV: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Pinnacle Bancshares's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Pinnacle Bancshares's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Pinnacle Bancshares's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Pinnacle Bancshares (PCLB) has a 5-Year Yield-on-Cost % of 3.84 as of Aug. 02, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Pinnacle Bancshares and its competitors. This is 14% below median its historical median of 4.44. Over the past decade, Pinnacle Bancshares' 5-Year Yield-on-Cost % has ranged from 0.90 to 8.38. According to the industry distribution chart, Pinnacle Bancshares ranks #626 out of 1251 companies in the Banks industry, placing it in the top 50%.
Is Pinnacle Bancshares' 5-Year Yield-on-Cost % too high?
Pinnacle Bancshares' current 5-Year Yield-on-Cost % of 3.84 is 14% below median its 10-year median of 4.44. Over the past 10 years, this metric has ranged from a low of 0.90 to a high of 8.38. The Banks industry median 5-Year Yield-on-Cost % is 3.84. Pinnacle Bancshares' value of 3.84 is 0% at this industry median. Based on the distribution chart, Pinnacle Bancshares ranks #626 out of 1251 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' 5-Year Yield-on-Cost % compare to OTTW and HRBK?
According to the Banks industry distribution chart, Pinnacle Bancshares ranks #626 out of 1251 companies for 5-Year Yield-on-Cost %. This puts Pinnacle Bancshares in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.84. Pinnacle Bancshares' value of 3.84 is 0% at this benchmark. Historically, Pinnacle Bancshares' own 5-Year Yield-on-Cost % has ranged from 0.90 to 8.38 over the past decade. While the company's 10-year median is 4.44 vs. the industry median of 3.84, Pinnacle Bancshares has consistently been at 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.84, based on 1,251 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pinnacle Bancshares's current 5-Year Yield-on-Cost % of 3.84 is 0% at 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Pinnacle Bancshares and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.84 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pinnacle Bancshares's current 5-Year Yield-on-Cost % is 3.84, which is 14% below median its own 10-year median of 4.44. 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 5-Year Yield-on-Cost % is 3.84, which is 14% below median its 10-year median of 4.44 and 0% at the Banks industry median of 3.84. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Pinnacle Bancshares (PCLB), the current 5-Year Yield-on-Cost % is 3.84 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:
5-Year Yield-on-Cost %: 3.84 (14% below median its 10-year median of 4.44)
GF Value™: $28.57 vs. price of $40.05 (40.2% above fair value)
Industry Position: 0% at the Banks median (#626 of 1251)
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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