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Pinnacle Bank(OTC) PBNK

Market Cap$110.82MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2007)+78%
5 Year+39%
1 Year-9%
1 Month+3%
$18.56
-0.96%
-0.18Today
Pinnacle Bank last closing stock price
MetricPriceDate
Last closeUSD 18.562026-08-20
Pinnacle Bank stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+0.32%USD 18.502026-08-12
1 month+3.11%USD 18.002026-07-20
3 month+12.48%USD 16.502026-05-22
Year to date-4.08%USD 19.352025-12-29
1 year-9.15%USD 20.432025-08-20
3 year+33.62%USD 13.892023-08-21
5 year+38.51%USD 13.402021-08-20
Since inception+77.53%USD 10.452007-01-08

Pinnacle Bank Financials at a Glance

Market Cap

$110.82MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$49.46M

Net Income (TTM)

$4.16M

EPS (TTM)

$0.70

P/E Ratio

26.59

Dividend

$0.00

Beta (Volatility)

0.08 (Low)

Price

$18.56

Volume

400

Open

$18.56

Previous Close

$18.56

Daily Range

$18.56 - $18.56

52-Week Range

$16.00 - $20.72

Estimated Earnings Date

Apr 27, 2023

PBNK News

No articles available.

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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. Founded in 2005 and headquartered in Gilroy, California, Pinnacle Bank serves individuals, businesses, and nonprofit organizations with a comprehensive suite of banking solutions.

Products and Services
  • Various checking, savings, and money market accounts
  • Home equity lines of credit and commercial loans
  • Digital banking services including mobile check deposit
Growth Outlook
  • Consistent revenue growth with Q1 2026 revenue at $12.33 million
  • Strong operating income margin of 14.36% in Q1 2026
  • Robust cash management suite supports business expansion
Financial Highlights
  • Net income of $1.32 million reported for Q1 2026
  • Return on equity at 4.57% for the trailing twelve months
  • Current ratio of 30.83 indicates strong liquidity position
Pinnacle Bank's diverse product offerings cater to a wide range of customer needs, from personal banking to commercial financing. The bank's recent financial performance demonstrates a solid growth trajectory, with a notable increase in revenue and net income in the latest quarter. The strong operating income margin reflects effective cost management and operational efficiency. Additionally, the impressive current ratio indicates a robust liquidity position, allowing the bank to meet its short-term obligations effectively. Overall, Pinnacle Bank presents a compelling opportunity for investors interested in a stable and growing regional banking institution.
AI Generated • Jul 30, 2026

Industry

Banks

Sector

Financials

CEO

Jeffrey D. Payne

Website

www.pinnacle.bank

Headquarters

Gilroy, CA 95020, US

PBNK Financials

Key Financial Metrics (TTM)

Gross Margin

58.64%

Operating Margin

11.61%

Net Income Margin

8.42%

Return on Equity

3.92%

Return on Capital

6.98%

Return on Assets

0.47%

Earnings Yield

3.76%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$110.82MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

5.97M

Volume

400

Avg. Volume

2.29K

Financials (TTM)

Gross Profit

$29.00M

Operating Income

$5.74M

EBITDA

$5.74M

Operating Cash Flow

$0.00

Capital Expenditure

$0.00

Free Cash Flow

$0.00

Cash & ST Invst.

$10.73M

Total Debt

$1.76M

Pinnacle Bank Performance Analysis

Pinnacle Bank annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 34,818,84811.6%
20232023-12-31USD 50,817,71545.9%
20242024-12-31USD 53,907,0406.1%
20252025-12-31USD 50,630,203-6.1%
Pinnacle Bank sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3035.8%
Q42025-12-31-3.8%
Q12026-03-31-0.6%
Q22026-06-30-4.0%
Pinnacle Bank annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 1.527.5%
20232023-12-31USD 2.0634.9%
20242024-12-31USD 1.49-27.4%
20252025-12-31USD 0.91-39.1%
Pinnacle Bank sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30-50.0%
Q42025-12-31-73.2%
Q12026-03-31355.5%
Q22026-06-3013.6%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$11.83M

+24.6%

Gross Profit

$8.19M

-13.7%

Gross Margin

69.23%

N/A

Market Cap

$110.82MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.17M

N/A

Employees

95

N/A

Net Income

$1.48M

-31.8%

EBITDA

$2.10M

-30.4%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$10.73M

N/A

Total Debt

$1.76M

N/A

Accounts Receivable

$2.50M

N/A

Inventory

$0.00

N/A

Long Term Debt

$1.33M

N/A

Short Term Debt

$429.00K

N/A

Return on Assets

0.47%

N/A

Return on Invested Capital

0.64%

N/A

Free Cash Flow

$0.00

N/A

Operating Cash Flow

$0.00

N/A

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Questions About PBNK

What is the current price of Pinnacle Bank?

Pinnacle Bank is trading at $18.56 per share.

What is the 52-week range for Pinnacle Bank?

Over the past 52 weeks, Pinnacle Bank has traded between $16.00 and $20.72.

How much debt does Pinnacle Bank have?

As of the most recent reporting period, Pinnacle Bank reported total debt of $0.00.

How much cash does Pinnacle Bank have on hand?

Pinnacle Bank does not have cash on hand data available.

What is Pinnacle Bank’s dividend yield?

Pinnacle Bank does not currently have a dividend yield.

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