Pinnacle Bankshares Corporation

Pinnacle Bankshares Corporation operates as the bank holding company for First National Bank that provides a range of commercial and retail banking products and services. The company accepts checking accounts, savings and time deposits, individual retirement accounts, certificates of deposit, and money market accounts. Its loan products include residential and commercial mortgage loans, home equity loans, consumer installment loans, agricultural loans, investment loans, small business loans, commercial lines of credit, and letters of credit. The company also provides credit cards; insurance products, including property and casualty, life, and health; investment and annuity products; and overdraft protection, merchant bankcard processing, cash management, remote deposit capture, night drop, safe deposit boxes, and notary services, as well as telephone, mobile, and online banking services. It operates eighteen branches including one in the town of Amherst in Amherst County; two in Bedford County; two located in the town of Altavista in Campbell County; three in Campbell County; three in Pittsylvania County; three in the city of Danville; three in the city of Lynchburg; and one in the city of Charlottesville. The company was founded in 1908 and is headquartered in Altavista, Virginia.

Pinnacle Bankshares Corporation trades as PPBN on OTC. The company is classified in Financial Services / Banks - Regional and reports in USD.

The current profile places the business in Banks - Regional. This section is intended to summarize the operating segments, products, geographies, and main revenue lines from official filings.

Latest available fiscal data shows $59.05M of revenue and $10.77M of net income.

Use this area for management strategy, capital allocation priorities, target markets, and measurable goals from the latest annual report or investor presentation.

The app now provides the structure, but exact strategic claims should come from official company documents before being treated as a finished investment thesis.

Pinnacle Bankshares Corporation can be compared against peers such as Bank of South Carolina Corporation, Bank of Botetourt, Coastal Carolina Bancshares, Inc., 1st Colonial Bancorp, Inc., First Reliance Bancshares, Inc., Harleysville Financial Corporation.

A complete thesis should compare growth, margins, balance-sheet risk, valuation multiples, and market position against direct competitors.

Current signals to investigate include market capitalization of $118.50M, beta of 0.27, and return on equity of +12.0%.

This section should be validated with evidence such as durable margins, brand strength, regulation, switching costs, cost advantage, distribution, or technology.

Key risks should include financial leverage, cyclicality, customer concentration, regulatory exposure, currency risk, and execution risk.

PPBN currently shows total debt of $0 and beta of 0.27. Missing data should be treated as a research gap, not as low risk.

Production-capacity detail is not available as structured data yet. For industrial, defense, semiconductor, or real-estate companies, this should be reviewed from annual reports and investor presentations.

No structured backlog field is available yet. If the company reports backlog, review the relevant filing section before adding it to the thesis.

Use this section for major contracts, product launches, construction projects, acquisitions, or strategic programs that can materially affect valuation.

No recent SEC-style filings are available for this symbol yet.

Customer concentration is not available as structured data here. Add it from official filings when a company discloses material customers or revenue concentration.

Supplier concentration and critical supply-chain dependencies are not available as structured data here. This should be researched from annual reports and risk disclosures.

Company website: https://www.1stnatbk.com

For US-listed stocks, verify the thesis against official filings, earnings call transcripts, and company investor relations materials.