Pinnacle Bankshares (OTCMKTS:PPBN) and CBB BANCORP INC/SH (OTCMKTS:CBBI) are both small-cap finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their institutional ownership, risk, profitability, analyst recommendations, valuation, earnings and dividends.

Analyst Recommendations

This is a summary of current ratings and target prices for Pinnacle Bankshares and CBB BANCORP INC/SH, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Pinnacle Bankshares 0 0 0 0 N/A
CBB BANCORP INC/SH 0 0 0 0 N/A

Dividends

Pinnacle Bankshares pays an annual dividend of $0.56 per share and has a dividend yield of 1.6%. CBB BANCORP INC/SH does not pay a dividend.

Earnings and Valuation

This table compares Pinnacle Bankshares and CBB BANCORP INC/SH’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Pinnacle Bankshares $22.47 million 2.41 $4.16 million N/A N/A
CBB BANCORP INC/SH $69.68 million 1.68 $16.66 million N/A N/A

CBB BANCORP INC/SH has higher revenue and earnings than Pinnacle Bankshares.

Volatility and Risk

Pinnacle Bankshares has a beta of 0.54, suggesting that its stock price is 46% less volatile than the S&P 500. Comparatively, CBB BANCORP INC/SH has a beta of 0.46, suggesting that its stock price is 54% less volatile than the S&P 500.

Profitability

This table compares Pinnacle Bankshares and CBB BANCORP INC/SH’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Pinnacle Bankshares 18.51% 10.24% 0.89%
CBB BANCORP INC/SH 22.58% N/A N/A

Insider and Institutional Ownership

5.7% of Pinnacle Bankshares shares are held by institutional investors. Comparatively, 1.0% of CBB BANCORP INC/SH shares are held by institutional investors. 6.5% of Pinnacle Bankshares shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Summary

Pinnacle Bankshares beats CBB BANCORP INC/SH on 8 of the 11 factors compared between the two stocks.

About Pinnacle Bankshares

Pinnacle Bankshares Corporation operates as a bank holding company for First National Bank that provides a range of commercial and retail banking products and services in the United States. The company offers checking and savings accounts, money market accounts, individual retirement accounts, certificates of deposit, and savings and time deposits. It also provides residential and commercial mortgages, home equity loans, consumer installment loans, construction loans, agricultural loans, investment loans, small business loans, commercial lines of credit, letters of credit, real estate mortgages, and student loans, as well as overdraft protection. It also provides insurance, including property and casualty, life, and health, as well as investment and annuity products; merchant bankcard processing and cash management services; surety bonds; and check and credit cards, telephone banking, ATM, simplified employee pensions, and e-commerce and other services. The company offers its products and services through nine offices, including main office and Vista Branch in the Town of Altavista; the Airport, Timberlake, and Rustburg branches in Campbell County; Old Forest Road branch and Odd Fellows Road branch in the City of Lynchburg; Forest branch in Bedford County; and Amherst branch in the Town of Amherst. Pinnacle Bankshares Corporation was founded in 1908 and is headquartered in Altavista, Virginia.

About CBB BANCORP INC/SH

CBB Bancorp, Inc. operates as the holding company for Commonwealth Business Bank that provides various commercial banking services to individuals and businesses in the United States. It offers checking, installment, savings, money market, and certification of deposit accounts, as well as IRAs; business line of credit, term loans, trade finance, professional loans, business property loans, commercial real estate loans, and construction loans; SBA loans; and debit and credit cards. The company also provides treasury management, mobile and online banking, wire transfer, telephone banking, safe deposit box, and lockbox services. It offers its service through eight retail branches in California and Texas. The company was founded in 2005 and is headquartered in Los Angeles, California.

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