Pinnacle Bankshares Outperforms M&F Bancorp in Key Financial Metrics

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A financial analysis comparing the performance of M&F Bancorp (OTCMKTS:MFBP) and Pinnacle Bankshares (OTCMKTS:PPBN) reveals that Pinnacle Bankshares has the edge in several key metrics. Pinnacle Bankshares pays a higher annual dividend of $1.12 per share with a 2.4% yield, compared to M&F Bancorp's $0.24 per share and 1.0% yield. Pinnacle Bankshares also has a lower beta of 0.26, indicating less volatility than M&F Bancorp's beta of -0.6. Additionally, 6.5% of Pinnacle Bankshares shares are owned by company insiders, compared to 2.9% for M&F Bancorp.

Why it matters

This analysis provides valuable insights for investors looking to compare the financial health and growth potential of these two regional banking institutions. The data highlights Pinnacle Bankshares' stronger dividend payouts, lower market risk, and greater insider ownership - all of which are important factors in evaluating a bank stock's long-term viability and shareholder returns.

The details

M&F Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 1.0%, while Pinnacle Bankshares pays an annual dividend of $1.12 per share and has a dividend yield of 2.4%. M&F Bancorp pays out 15.8% of its earnings in the form of a dividend, while Pinnacle Bankshares pays out 23.1%. Both companies have healthy payout ratios. M&F Bancorp has a beta of -0.6, indicating its stock price is 160% less volatile than the S&P 500, while Pinnacle Bankshares has a beta of 0.26, indicating its stock price is 74% less volatile than the S&P 500. 3.8% of Pinnacle Bankshares shares are owned by institutional investors, compared to 2.9% of M&F Bancorp shares owned by company insiders.

• The financial data is current as of March 28, 2026.