Pinnacle Bank (PBNK) Stock Price, News & Analysis

Company Overview

Pinnacle Bank, a commercial bank, provides various depository and credit services in Santa Clara, San Benito, and Monterey counties. The company offers checking, savings, money market, sweep, and individual retirement accounts, as well as certificates of deposit and certificates of deposit account registry services. It also provides home equity lines of credit and single family home construction loans; and loans and lines of credit, letters of credit, commercial real estate, and government assisted loans, as well as credit cards. In addition, the company offers automated teller machine cards/debit cards, debit card protection products, and safe deposit boxes; cash management products, such as online and mobile banking, online bill payment, mobile check deposit, automated clearing house (ACH) origination, remote deposit capture, night depository box, positive pay, ACH fraud filter, merchant card processing, wire transfer, and foreign currency services; and asset based lending covering accounts receivable financing, factoring, and purchase order financing services. It serves individual and business customers, as well as nonprofit organizations in Morgan Hill, Gilroy, Salinas, and Campbell. Pinnacle Bank was founded in 2006 and is headquartered in Gilroy, California.

Key Stats

• Today's Range: $19.95 to $19.95
• 50-Day Range: $17.16 to $19.99
• 52-Week Range: $15.95 to $20.20
• Volume: 100 shs
• Average Volume: 3,406 shs
• Market Capitalization: $118.24 million
• P/E Ratio: 11.21
• Dividend Yield: N/A
• Price Target: N/A
• Consensus Rating: N/A

Pinnacle Bank Stock Analysis - MarketRank™

Pinnacle Bank scored higher than 12% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Pinnacle Bank.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Pinnacle Bank is 11.21, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 24.63.

Price to Earnings Ratio vs. Sector

The P/E ratio of Pinnacle Bank is 11.21, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 22.43.

Price to Book Value per Share Ratio

Pinnacle Bank has a P/B Ratio of 1.30. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.00% of the outstanding shares of Pinnacle Bank have been sold short.

Short Interest Ratio / Days to Cover

Pinnacle Bank has a short interest ratio ("days to cover") of 0.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Pinnacle Bank has recently increased by 100.00%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Pinnacle Bank does not currently pay a dividend.

Dividend Growth

Pinnacle Bank does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.00% of the outstanding shares of Pinnacle Bank have been sold short.

Short Interest Ratio / Days to Cover

Pinnacle Bank has a short interest ratio ("days to cover") of 0.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Pinnacle Bank has recently increased by 100.00%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 1.5 / 5
• News Sentiment: N/A

News Sentiment

Pinnacle Bank has a news sentiment score of 0.77. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.98 average news sentiment score of Finance companies.

Company Ownership

• Score: 0.0 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Pinnacle Bank insiders have not sold or bought any company stock.

Percentage Held by Institutions

Only 8.36% of the stock of Pinnacle Bank is held by institutions.

PBNK Stock Analysis - Frequently Asked Questions

How have PBNK shares performed this year?

Pinnacle Bank's stock was trading at $19.20 on January 1st, 2025. Since then, PBNK stock has increased by 3.9% and is now trading at $19.95.
View the best growth stocks for 2025 here.

How were Pinnacle Bank's earnings last quarter?

Pinnacle Bank (OTCMKTS:PBNK) posted its quarterly earnings data on Thursday, April, 24th. The company reported $0.32 EPS for the quarter. The company earned $9.13 million during the quarter. Pinnacle Bank had a net margin of 19.06% and a trailing twelve-month return on equity of 11.16%.

How do I buy shares of Pinnacle Bank?

Shares of PBNK stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

Company Calendar

• Last Earnings: 4/24/2025
• Today: 5/22/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Finance
• Industry: State commercial banks
• Sub-Industry: N/A
• Current Symbol: OTCMKTS:PBNK
• Previous Symbol: NASDAQ:PBNK
• CIK: N/A
• Web: www.pinnaclebankonline.com
• Phone: (408) 762-7171
• Fax: 408-413-5340
• Employees: N/A
• Year Founded: N/A

Profitability

• EPS (Most Recent Fiscal Year): $1.78
• Trailing P/E Ratio: 11.23
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $11.77 million
• Net Margins: 19.06%
• Pretax Margin: 25.26%
• Return on Equity: 11.16%
• Return on Assets: 1.22%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.78
• Quick Ratio: 0.78

Sales & Book Value

• Annual Sales: $50.82 million
• Price / Sales: 2.33
• Cash Flow: $2.53 per share
• Price / Cash Flow: 7.89
• Book Value: $15.29 per share
• Price / Book: 1.31

Miscellaneous

• Outstanding Shares: 5,927,000
• Free Float: N/A
• Market Cap: $118.48 million
• Optionable: Not Optionable
• Beta: 0.32