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Pinnacle Bank (PBNK)
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PBNK
Pinnacle Bank
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Pinnacle Bank (PBNK) Ratios

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Pinnacle Bank Ratios

PBNK's free cash flow for Q4 2025 was $0.38. For the 2025 fiscal year, PBNK's free cash flow was decreased by $ and operating cash flow was $0.03. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 30.83 0.27 0.18 0.41 0.21
Quick Ratio
 30.83 0.27 0.18 0.41 0.33
Cash Ratio
 25.00 0.26 0.15 0.14 0.11
Solvency Ratio
 <0.01 <0.01 0.01 0.02 0.02
Operating Cash Flow Ratio
 0.00 0.02 0.02 0.02 0.01
Short-Term Operating Cash Flow Coverage
 0.00 0.00 35.67 30.07 21.92
Net Current Asset Value
$ -771.69M$ -575.77M$ -614.16M$ -476.47M$ -537.78M
Leverage Ratios
Debt-to-Assets Ratio
 <0.01 0.00 <0.01 <0.01 <0.01
Debt-to-Equity Ratio
 0.02 0.00 0.02 0.03 0.04
Debt-to-Capital Ratio
 0.02 0.00 0.02 0.03 0.04
Long-Term Debt-to-Capital Ratio
 0.00 0.00 0.00 0.00 0.00
Financial Leverage Ratio
 8.38 8.37 8.57 9.30 10.29
Debt Service Coverage Ratio
 0.38 0.51 0.79 1.41 4.70
Interest Coverage Ratio
 0.54 0.54 0.90 1.73 5.92
Debt to Market Cap
 <0.01 0.00 <0.01 <0.01 <0.01
Interest Debt Per Share
 2.07 2.30 2.72 2.12 0.89
Net Debt to EBITDA
 -1.56 -21.79 -7.49 -4.51 -4.92
Profitability Margins
Gross Profit Margin
58.64%60.74%67.50%80.57%97.51%
EBIT Margin
11.61%14.67%22.82%32.56%34.33%
EBITDA Margin
11.61%17.73%27.10%36.94%42.57%
Operating Profit Margin
11.61%14.67%22.82%32.56%34.33%
Pretax Profit Margin
11.60%14.67%22.82%32.56%34.33%
Net Profit Margin
8.42%10.76%16.41%23.16%24.32%
Continuous Operations Profit Margin
8.42%10.76%16.41%23.16%24.32%
Net Income Per EBT
72.56%73.39%71.91%71.14%70.83%
EBT Per EBIT
99.98%99.99%100.00%100.00%100.00%
Return on Assets (ROA)
0.47%0.61%1.04%1.44%1.12%
Return on Equity (ROE)
3.92%5.13%8.94%13.39%11.47%
Return on Capital Employed (ROCE)
0.64%5.97%10.64%8.06%16.20%
Return on Invested Capital (ROIC)
0.47%4.38%7.69%3.18%-2.23%
Return on Tangible Assets
0.47%0.61%1.04%1.44%1.39%
Earnings Yield
3.80%4.75%7.89%14.61%11.54%
Efficiency Ratios
Receivables Turnover
 19.78 0.00 0.00 2.61 1.86
Payables Turnover
 0.00 0.00 0.00 0.67 0.06
Inventory Turnover
 0.00 0.00 0.00 0.00 -0.01
Fixed Asset Turnover
 4.80 5.78 4.80 4.17 3.25
Asset Turnover
 0.06 0.06 0.06 0.06 0.05
Working Capital Turnover Ratio
 0.00 -0.09 -0.11 -0.11 -0.08
Cash Conversion Cycle
 18.45 0.00 0.00 -406.24 -39.36K
Days of Sales Outstanding
 18.45 0.00 0.00 140.00 195.73
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 -33.32K
Days of Payables Outstanding
 0.00 0.00 0.00 546.24 6.24K
Operating Cycle
 18.45 0.00 0.00 140.00 -33.12K
Cash Flow Ratios
Operating Cash Flow Per Share
 0.00 2.15 2.55 2.14 1.58
Free Cash Flow Per Share
 0.00 2.13 2.53 2.13 1.54
CapEx Per Share
 0.00 0.02 0.02 0.01 0.04
Free Cash Flow to Operating Cash Flow
 0.00 0.99 0.99 0.99 0.97
Dividend Paid and CapEx Coverage Ratio
 0.00 110.56 155.93 189.90 39.58
Capital Expenditure Coverage Ratio
 0.00 110.56 155.93 189.90 39.58
Operating Cash Flow Coverage Ratio
 0.00 0.00 6.98 4.89 3.05
Operating Cash Flow to Sales Ratio
 0.00 0.25 0.28 0.24 0.25
Free Cash Flow Yield
0.00%11.01%13.18%15.00%11.46%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 26.28 21.03 12.63 6.85 8.66
Price-to-Sales (P/S) Ratio
 2.20 2.27 2.08 1.59 2.11
Price-to-Book (P/B) Ratio
 1.03 1.08 1.13 0.92 0.99
Price-to-Free Cash Flow (P/FCF) Ratio
 0.00 9.08 7.59 6.67 8.72
Price-to-Operating Cash Flow Ratio
 0.00 9.00 7.54 6.63 8.50
Price-to-Earnings Growth (PEG) Ratio
 -0.47 -0.53 -0.46 0.20 1.26
Price-to-Fair Value
 1.03 1.08 1.13 0.92 0.99
Enterprise Value Multiple
 17.39 -9.01 0.18 -0.22 0.03
Enterprise Value
 99.83M -80.91M 2.62M -4.15M 410.00K
EV to EBITDA
 17.39 -9.01 0.18 -0.22 0.03
EV to Sales
 2.02 -1.60 0.05 -0.08 0.01
EV to Free Cash Flow
 0.00 -6.41 0.18 -0.34 0.05
EV to Operating Cash Flow
 0.00 -6.35 0.18 -0.34 0.05
Tangible Book Value Per Share
 17.81 17.94 16.95 15.07 10.12
Shareholders’ Equity Per Share
 17.81 17.94 16.95 15.46 13.55
Tax and Other Ratios
Effective Tax Rate
 0.27 0.27 0.28 0.29 0.29
Revenue Per Share
 8.28 8.54 9.23 8.94 6.39
Net Income Per Share
 0.70 0.92 1.52 2.07 1.55
Tax Burden
 0.73 0.73 0.72 0.71 0.71
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.00 0.00 0.33 0.35 0.47
Stock-Based Compensation to Revenue
 0.00 0.01 0.00 0.01 0.02
Income Quality
 0.00 2.34 1.68 1.03 1.02
Currency in USD