 Pinnacle Bankshares OTCMKTS:PPBN and Nicolet Bankshares NASDAQ:NCBS are both small-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their valuation, earnings, dividends, risk, profitability, analyst recommendations and institutional ownership. Institutional Insider Ownership 6.3 of Pinnacle Bankshares shares are held by institutional investors. Comparatively, ... 