OTC · Banks - Regional

Pinnacle Bank (PBNK) Stock

$18.00 +1.98% OTC: PBNK Financial Services

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, and sweep accounts, alongside individual retirement accounts (IRAs) and certificates of deposit, including access to the Certificate of Deposit Account Registry Service (CDARS).

Valuation

MetricValue
Price$18.00
Market Cap$106.72M
P/E Ratio22.00
P/B Ratio1.01
P/S Ratio2.26
EPS (TTM)$0.82
52-Week High$20.95
52-Week Low$16.00
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE4.57%
ROA0.54%
ROCE0.75%
Gross Margin64.31%
Operating Margin14.12%
Net Margin10.30%
Debt/Equity0.02
Current Ratio30.83

Annual Financials (USD)

Metric20212022202320242025
Revenue$31.0M$35.0M$51.0M$54.0M$51.0M
Operating Profit$11.0M$12.0M$17.0M$12.0M$7.0M
Net Profit$8.0M$8.0M$12.0M$9.0M$5.0M
EPS$1.42$1.52$2.07$1.49$0.91
Op Margin35.0%34.3%32.6%22.8%14.7%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$738.0M$758.0M$817.0M$848.0M$890.0M
Total Liabilities$672.0M$684.0M$729.0M$749.0M$784.0M
Cash$251.0M$76.0M$87.0M$112.0M$196.0M
Borrowings$3.0M$3.0M$2.0M$2.0M$0

Latest News

Mark Roach Joins Pinnacle Bank as Executive Vice President, Senior Lending Officer Business Wire · Jun 4, 2026 Debra Silveira Joins Pinnacle Bank as Executive Vice President, Director of Human Resources Business Wire · Jun 2, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$9.0M$9.0M$12.0M$15.0M$13.0M
Investing Cash Flow$27.0M$-195.0M$-48.0M$-9.0M$37.0M
Financing Cash Flow$116.0M$10.0M$45.0M$18.0M$34.0M
Net Cash Flow$147.0M$-176.0M$12.0M$24.0M$84.0M
Free Cash Flow$8.0M$8.0M$12.0M$15.0M$13.0M

Valuation & Return Ratios

MetricValue
PEG Ratio-0.42
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y-11.11%
Return 3Y51.90%
Return 5Y33.33%

Ownership

Insiders Held0.00%
Institutions Held4.49%
Institutions Float Held4.49%
Institutional HolderSharesReport Date
Siena Capital Partners GP, LLC211,7082026-03-31
BANC FUNDS CO LLC44,5142026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
ARBVAmerican Riviera Bancorp $27.80 -0.32% 11.30 $159.85M 0.00%
KISBKish Bancorp, Inc. $74.00 +5.10% 11.21 $223.56M 2.38%
PBNCPB Financial Corporation $70.00 +0.00% 8.04 $154.53M 3.60%
PFLCPacific Financial Corporation $17.95 +0.96% 14.59 $179.93M 3.34%
PONTPontiac Bancorp, Inc. $675.00 +0.00% 0.00 $139.84M 1.67%

About Pinnacle Bank

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, and sweep accounts, alongside individual retirement accounts (IRAs) and certificates of deposit, including access to the Certificate of Deposit Account Registry Service (CDARS). For credit needs, individual clients can secure home equity lines of credit and financing for single-family home construction. Businesses and non-profit organizations are offered general loans and lines of credit, letters of credit, commercial real estate loans, government-assisted financing, and credit cards. Beyond core banking, Pinnacle Bank provides essential services like ATM and debit cards, complete with associated protection, and safe deposit boxes. Its robust cash management suite features digital banking options such as online and mobile access, online bill payment, and mobile check deposit. It also provides advanced tools like Automated Clearing House (ACH) origination and fraud filters, remote deposit capture, a night depository, and Positive Pay. Further services encompass merchant card processing, wire transfers, and foreign currency exchange. Additionally, the bank offers asset-based lending solutions, such as accounts receivable financing, factoring, and purchase order financing, to help businesses manage their working capital. Serving a diverse clientele, including individuals, businesses, and nonprofit organizations, Pinnacle Bank has a local presence in cities such as Morgan Hill, Gilroy, Salinas, and Campbell. Founded in 2005, Pinnacle Bank maintains its headquarters in Gilroy, California.

Pinnacle Bank is headquartered in US.

Pinnacle Bank (PBNK) stock trades at $18.00 with a market capitalization of $106.72M. The stock is valued at a price-to-earnings (P/E) ratio of 22.00, price-to-book of 1.01, price-to-sales of 2.26. Over the past 52 weeks the stock has ranged between $16.00 and $20.95, and currently trades 14.1% below its 52-week high.

On profitability, Pinnacle Bank generates a return on equity (ROE) of 4.57%, return on capital employed of 0.75%, an operating margin of 14.12%, a net profit margin of 10.30%.

Official website: www.pinnacle.bank

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