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Pinnacle Bank
(OTC:PBNK)
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Rating:69Neutral
Price Target:
$20.00
▲(8.40% Upside)
Action:Reiterated
Date:08/06/26
The score is primarily supported by a stable financial profile (very low debt and solid cash-flow quality) and a mildly positive technical setup. It is held back by the clear recent deterioration in profitability/ROE and a relatively high P/E multiple without a provided dividend yield to improve the valuation case.
Positive Factors
Conservative balance sheet / very low debt
Near-zero reported debt gives the bank durable financial flexibility: it reduces refinancing risk, supports higher regulatory resiliency, and allows management to fund lending or strategic initiatives from internal capital without relying on costly external borrowing over the next several quarters.
Negative Factors
Marked margin deterioration
A sharp decline in net margin cuts the bank's core earnings power and constrains reinvestment or returns to shareholders. If structural (funding mix, higher credit costs, or fee compression), this weakness can persist and meaningfully reduce long-term ROE and internal capital generation.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet / very low debt
Near-zero reported debt gives the bank durable financial flexibility: it reduces refinancing risk, supports higher regulatory resiliency, and allows management to fund lending or strategic initiatives from internal capital without relying on costly external borrowing over the next several quarters.
Read all positive factors
Pinnacle Bank (PBNK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$109.86M
Dividend YieldN/A
Average Volume (3M)2.25K
Price to Earnings (P/E)26.3
Beta (1Y)0.13
Revenue Growth-5.41%
EPS Growth-46.91%
CountryUS
Employees95
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.05
Shares Outstanding5,970,871
10 Day Avg. Volume1,697
30 Day Avg. Volume2,249
Financial Highlights & Ratios
PEG Ratio-0.53
Price to Book (P/B)1.08
Price to Sales (P/S)2.27
P/FCF Ratio9.08
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Pinnacle Bank Business Overview & Revenue Model
Company Description
Pinnacle Bank operates as a commercial financial institution, providing a diverse array of deposit and credit services across Santa Clara, San Benito, and Monterey counties. Its deposit offerings include various checking, savings, money market, an...
How the Company Makes Money
Pinnacle Bank primarily makes money through traditional banking revenue streams. The largest driver is typically net interest income: the bank earns interest and fees on loans (for example, commercial, real estate, and consumer loans) and on secur...
Pinnacle Bank Financial Statement Overview
Summary
Income Statement
68
Positive
Balance Sheet
78
Positive
Cash Flow
74
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 50.63M | 53.91M | 50.82M | 34.77M | 31.21M |
| Gross Profit | 30.75M | 36.39M | 40.94M | 33.90M | 30.16M |
| EBITDA | 8.98M | 14.61M | 18.77M | 14.80M | 13.14M |
| Net Income | 5.45M | 8.85M | 11.77M | 8.45M | 7.75M |
Balance Sheet | |||||
| Total Assets | 890.35M | 847.88M | 817.42M | 757.89M | 738.47M |
| Cash, Cash Equivalents and Short-Term Investments | 208.26M | 134.75M | 143.26M | 127.78M | 271.45M |
| Total Debt | 0.00 | 2.13M | 2.49M | 2.82M | 3.14M |
| Total Liabilities | 784.03M | 748.91M | 729.49M | 684.20M | 672.06M |
| Stockholders Equity | 106.33M | 98.97M | 87.93M | 73.69M | 66.41M |
Cash Flow | |||||
| Free Cash Flow | 12.62M | 14.78M | 12.08M | 8.40M | 8.30M |
| Operating Cash Flow | 12.74M | 14.87M | 12.15M | 8.61M | 8.82M |
| Investing Cash Flow | 37.46M | -8.89M | -47.66M | -195.18M | 27.17M |
| Financing Cash Flow | 33.78M | 18.42M | 47.07M | 10.83M | 110.57M |
Pinnacle Bank Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $125.78M | 10.19 | 9.59% | 1.81% | 7.51% | 20.96% | |
72 Outperform | $120.18M | 14.93 | 7.31% | 1.78% | -0.53% | 27.52% | |
69 Neutral | $109.86M | 26.35 | 4.57% | ― | -5.41% | -46.91% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $114.76M | 17.78 | 5.23% | 3.25% | -0.79% | 11.59% | |
60 Neutral | $116.72M | 9.03 | 14.72% | 5.81% | 10.15% | 28.62% | |
54 Neutral | $102.96M | -27.20 | -2.50% | 1.52% | -11.21% | -176.24% |
* Financial Sector Average
PBNK
Pinnacle Bank
18.48
-1.82
-8.99%
MGYR
Magyar Bancorp
19.36
2.53
15.05%
PROV
Provident Financial Holdings
18.31
3.32
22.12%
RVSB
Riverview Bancorp
5.20
0.22
4.33%
UNB
Union Bankshares
23.58
-1.12
-4.52%
SFBC
Sound Financial Bancorp
46.89
0.49
1.05%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.