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Pinnacle Bankshares (Pinnacle Bankshares) E10 : $3.06 (As of Mar. 2024)


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What is Pinnacle Bankshares E10?

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Pinnacle Bankshares's adjusted earnings per share data for the three months ended in Mar. 2024 was $0.950. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $3.06 for the trailing ten years ended in Mar. 2024.

During the past 12 months, Pinnacle Bankshares's average E10 Growth Rate was 18.10% per year. During the past 3 years, the average E10 Growth Rate was 16.40% per year. During the past 5 years, the average E10 Growth Rate was 16.20% per year. During the past 10 years, the average E10 Growth Rate was 9.10% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Pinnacle Bankshares was 17.90% per year. The lowest was -7.90% per year. And the median was 3.80% per year.

As of today (2024-06-07), Pinnacle Bankshares's current stock price is $27.25. Pinnacle Bankshares's E10 for the quarter that ended in Mar. 2024 was $3.06. Pinnacle Bankshares's Shiller PE Ratio of today is 8.91.

During the past 13 years, the highest Shiller PE Ratio of Pinnacle Bankshares was 25.93. The lowest was 6.53. And the median was 14.02.


Pinnacle Bankshares E10 Historical Data

The historical data trend for Pinnacle Bankshares's E10 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.

* Premium members only.

Pinnacle Bankshares E10 Chart

Pinnacle Bankshares Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.58 1.87 2.15 2.59 2.95

Pinnacle Bankshares Quarterly Data
Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Sep23 Dec23 Mar24
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.59 2.73 2.87 2.95 3.06

Competitive Comparison of Pinnacle Bankshares's E10

For the Banks - Regional subindustry, Pinnacle Bankshares's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Bankshares's Shiller PE Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Pinnacle Bankshares's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Pinnacle Bankshares's Shiller PE Ratio falls into.



Pinnacle Bankshares E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Pinnacle Bankshares's adjusted earnings per share data for the three months ended in Mar. 2024 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2024 (Change)*Current CPI (Mar. 2024)
=0.95/131.7762*131.7762
=0.950

Current CPI (Mar. 2024) = 131.7762.

Pinnacle Bankshares Quarterly Data

per share eps CPI Adj_EPS
201212 0.170 96.871 0.231
201312 1.740 98.326 2.332
201409 0.390 100.428 0.512
201412 0.300 99.070 0.399
201503 0.380 99.621 0.503
201506 0.380 100.684 0.497
201509 0.370 100.392 0.486
201512 0.660 99.792 0.872
201603 0.420 100.470 0.551
201606 0.460 101.688 0.596
201609 0.590 101.861 0.763
201612 0.480 101.863 0.621
201703 0.520 102.862 0.666
201706 0.460 103.349 0.587
201709 0.590 104.136 0.747
201712 0.210 104.011 0.266
201803 0.690 105.290 0.864
201806 0.720 106.317 0.892
201809 0.410 106.507 0.507
201812 0.860 105.998 1.069
201903 0.840 107.251 1.032
201906 0.880 108.070 1.073
201909 0.670 108.329 0.815
201912 0.440 108.420 0.535
202003 0.290 108.902 0.351
202006 0.430 108.767 0.521
202009 0.280 109.815 0.336
202012 0.920 109.897 1.103
202103 0.510 111.754 0.601
202106 0.480 114.631 0.552
202109 0.800 115.734 0.911
202112 0.220 117.630 0.246
202203 0.640 121.301 0.695
202206 0.870 125.017 0.917
202209 1.100 125.227 1.158
202212 1.170 125.222 1.231
202303 1.210 127.348 1.252
202309 1.270 129.860 1.289
202312 1.040 129.419 1.059
202403 0.950 131.776 0.950

Add all the adjusted EPS together and divide 10 will get our e10.


Pinnacle Bankshares  (OTCPK:PPBN) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Pinnacle Bankshares's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=27.25/3.06
=8.91

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Pinnacle Bankshares was 25.93. The lowest was 6.53. And the median was 14.02.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Pinnacle Bankshares E10 Related Terms

Thank you for viewing the detailed overview of Pinnacle Bankshares's E10 provided by GuruFocus.com. Please click on the following links to see related term pages.


Pinnacle Bankshares (Pinnacle Bankshares) Business Description

Traded in Other Exchanges
N/A
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, commercial lines of credit and letters of credit. The company also offers investment, insurance, and annuity products.
Executives
Judson H Dalton director C/O PINNACLE BANKSHARES CORPORATION, 622 BROAD STREET, ALTAVISTA VA 24517
C Bryan Stott director C/O PINNACLE BANKSHARES CORPORATION, 622 BROAD STREET, ALTAVISTA VA 24517
Hall Aubrey H Iii officer: Executive Vice President C/O PINNACLE BANKSHARES CORPORATION, 622 BROAD STREET, ALTAVISTA VA 24517
A Patricia Merryman director C/O PINNACLE BANKSHARES CORPORATION, 622 BROAD STREET, ALTAVISTA VA 24517
John L Waller director
Thomas F Hall director PO BOX 1256, AMHERST VA 24521
Bryan M Lemley officer: Chief Financial Officer 325 SMOKETREE LN, LYNCHBURG VA 24502
Carroll Shelton director, officer: Senior Vice President
John P Erb director
A Willard Arthur director
William F Overacre director
Gilliam Robert H Jr director, officer: President and CEO
Michael E Watson director
Burton James E Iv director 1314 LEE JACKSON HWY, LYNCHBURG VA 24503

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