Pinnacle Bank (PBNK) AI Stock Analysis

• Market Cap: $103.12M
• Dividend Yield: N/A
• Average Volume (3M): 942.00
• Price to Earnings (P/E): 14.2
• Beta (1Y): 0.33
• Revenue Growth: 1.15%
• EPS Growth: -29.80%
• Country: US
• Employees: N/A
• Sector: Financial
• Sector Strength: 85
• Industry: Banks - Regional
• EPS (TTM): 1.49
• Shares Outstanding: 5,287,960
• 10 Day Avg. Volume: 1,654
• 30 Day Avg. Volume: 942
• PEG Ratio: -1.03
• Price to Book (P/B): 1.20
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Pinnacle Bank has a solid financial foundation with strong profitability and cash generation. The technical indicators suggest neutral momentum, and the stock appears to be fairly valued. The lack of new information from earnings calls or corporate events means these factors do not currently influence the stock's assessment.

Pinnacle Bank Business Overview & Revenue Model

Company Description

Pinnacle Bank (PBNK) is a regional financial services institution offering a comprehensive range of banking products and services. It operates primarily in the retail and commercial banking sectors, providing solutions such as personal and business banking, loans, mortgages, and investment services. With a focus on customer-centric approaches, Pinnacle Bank is committed to delivering tailored financial solutions to meet the diverse needs of its clientele.

How the Company Makes Money

Pinnacle Bank generates revenue through various streams, primarily from interest income on loans and mortgages offered to personal and commercial clients. The bank also earns money through fees and service charges associated with checking and savings accounts, as well as transaction fees from credit and debit card services. Additionally, Pinnacle Bank gains revenue from investment services, including wealth management and advisory fees. Significant partnerships with financial service providers and technology platforms enhance its offerings, contributing to its earnings by expanding its customer base and improving operational efficiency.

Pinnacle Bank Financial Statement Overview

Summary

Pinnacle Bank demonstrates a strong financial standing with consistent revenue and profit growth, efficient operations, and solid cash generation capabilities. The balance sheet is robust with minimal leverage, although increasing liabilities require caution. While the company's financials are generally favorable, it's essential to keep an eye on potential cost pressures and the implications of significant investing activities.

Income Statement

Pinnacle Bank shows robust financial performance with a consistent increase in total revenue over the years, marking a 24.8% growth from 2022 to 2023. The net profit margin has improved to 28.75% in 2023 from 25.77% in 2022, indicating effective cost management and strong profitability. The gross profit margin is exceptionally high at 124.06%, suggesting significant revenue over cost of goods sold. Both EBIT and EBITDA margins are strong, reinforcing solid operational efficiency. However, it's important to note the diminishing gross profit margin over time, which could suggest rising costs or pricing pressure.

Balance Sheet

The balance sheet reflects a stable financial position with a low debt-to-equity ratio of 0.03, indicating minimal reliance on debt financing, which is favorable for financial stability. The return on equity is substantial at 13.39%, demonstrating effective management of shareholders' funds. The equity ratio stands at 10.75%, suggesting a moderate level of equity financing relative to total assets. However, the significant increase in total liabilities in 2023 could signal potential risk factors that need to be monitored.

Cash Flow

Cash flows indicate strong financial health with a steady increase in operating cash flow and free cash flow. The free cash flow growth rate from 2022 to 2023 was 44.03%, reflecting efficient cash generation abilities. The operating cash flow to net income ratio is 1.03, indicating that the company is generating ample cash relative to its net income. However, the substantial negative investing cash flow in recent years warrants attention, as it may indicate aggressive capital investments or strategic acquisitions.

Breakdown
Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
40.95M	32.80M	30.16M	23.95M	22.84M
	Gross Profit
50.82M	32.80M	30.16M	23.95M	22.84M
	EBIT
16.55M	11.94M	10.92M	5.74M	8.13M
	EBITDA
18.77M	14.80M	13.14M	8.03M	10.56M
	Net Income Common Stockholders
11.77M	8.45M	7.75M	3.94M	5.56M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
143.26M	127.78M	271.45M	112.84M	64.58M
	Total Assets
817.42M	757.89M	738.47M	616.85M	419.41M
	Total Debt
2.49M	2.82M	3.14M	5.00M	3.57M
	Net Debt
-84.72M	-72.82M	-248.24M	-99.82M	-59.87M
	Total Liabilities
729.49M	14.82M	12.39M	558.62M	9.17M
	Stockholders Equity
87.93M	73.69M	66.41M	58.23M	53.72M
Cash Flow		Free Cash Flow
12.08M	8.40M	8.30M	2.58M	5.24M
	Operating Cash Flow
12.15M	8.61M	8.82M	4.65M	5.48M
	Investing Cash Flow
-47.66M	-195.18M	27.17M	-156.02M	-42.44M
	Financing Cash Flow
47.07M	10.83M	110.57M	192.75M	49.66M

Pinnacle Bank Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 19.75
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PBNK, the sentiment is Positive. The current price of 19.75 is above the 20-day moving average (MA) of 18.72, above the 50-day MA of 18.61, and above the 200-day MA of 18.86, indicating a bullish trend. The MACD of 0.30 indicates Negative momentum. The RSI at 60.10 is Neutral, neither overbought nor oversold. The STOCH value of 84.19 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PBNK.

Pinnacle Bank Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PBNK	70 Outperform	$103.12M	14.18	8.62%	―	1.15%	-29.80%
PROV	70 Outperform	$102.03M	15.96	5.09%	3.63%	5.62%	-5.99%
FGBI	66 Neutral	$123.99M	73.10	1.58%	2.70%	14.50%	-73.50%
Sector *	64 Neutral	$12.74B	9.83	7.63%	17000.35%	12.34%	-5.32%
PBHC	54 Neutral	$93.39M	31.59	4.24%	2.66%	11.12%	―
FNWB	53 Neutral	$88.74M	―	-10.46%	2.98%	10.31%	-557.61%
WMPN	53 Neutral	$113.45M	―	-0.81%	0.97%	2.25%	-261.40%