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    Banks - Regional
Pinnacle Bank

Pinnacle Bank

PBNK
Pinnacle BankUS flagOther OTC
17.60
USD
-0.52
- -
104.35MMarket Cap
Pinnacle Bank
PBNK
(Other OTC)

Recent

price

17.60

P/E

ratio

- -

div

yld

- -

ROIC.AI

2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
2.18
2.45
2.59
3.52
4.47
4.45
4.46
4.58
5.65
6.02
7.32
6.88
- -
3.9
Revenue per Share
1.75
0.26
0.28
0.64
0.76
1.2
1.09
0.75
1.45
1.55
2.09
1.52
- -
0.66
Basic EPS, GAAP
0.41
0.31
0.09
0.55
-1.02
1.45
1.03
0.49
1.55
1.54
2.14
2.62
- -
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
6.27
6.54
6.86
7.39
8.74
9
10.48
11.11
12.45
14.11
16.06
17.3
- -
7.62
Book Value per Share
6.25
6.54
6.86
7.39
8.74
8.99
10.49
11.11
12.43
13.55
15.59
16.95
- -
7.62
Tangible Book Value per Share
4
4
4
4
4
4
5
5
5
5
6
6
- -
4
Basic Weighted Avg Shares
8
9
10
13
18
20
23
24
30
33
41
40
37
18
Sales/Revenue/Turnover
9.38
17.66
18.25
31.01
- -
- -
- -
- -
- -
- -
- -
- -
- -
24.12
Operating Margin (%)
- -
- -
- -
- -
- -
1
2
2
2
3
2
2
2
- -
Depreciation Expense
6
1
1
2
3
5
6
4
8
8
12
9
5
3
Net Income, GAAP
- -
39.58
41.24
40.96
49.97
28.16
31.54
31.39
29.06
29.17
28.86
28.09
26.61
49.97
Effective Tax Rate (%)
80.33
10.67
10.72
18.31
16.89
26.91
24.36
16.41
25.69
25.81
28.52
22.02
14.74
16.9
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
5
- -
- -
- -
- -
- -
- -
LT Debt
23
24
25
28
34
40
54
58
66
74
88
99
106
34
Total Equity
- -
4.1
4.15
9.18
- -
- -
- -
- -
- -
- -
- -
- -
- -
6.76
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
4.1
4.15
9.17
9.47
14.37
11.84
7.04
12.43
11.8
14.07
9.23
5.23
9.47
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Jun'17
Sep'17
Dec'17
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
4
4
4
Market Capitalization
33
41
51

Working Capital

FRC

•

in mil. unless spec.
Jun'17
Sep'17
Dec'17
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
40
58
55
Accounts Receivable, Net
- -
- -
8
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
4
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
15.61%
12.87%
7.43%
Free Cash Flow
20.64%
55.08%
-17.53%
Net Income, GAAP
29.7%
16.34%
-38.39%
Sales/Revenue/Turnover
15.36%
9.92%
-7.97%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
41
2024
- -
- -
- -
- -
40
2025
- -
- -
- -
- -
37

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
2.09
2024
- -
- -
- -
- -
1.52
2025
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
- -
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
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Business
Pinnacle Bank (PBNK) operates as a commercial bank providing a comprehensive range of depository and credit services to individuals, professionals, middle-market businesses, and not-for-profit organizations primarily in Santa Clara, San Benito, and Monterey counties, California; checking accounts, savings accounts, money market accounts, business sweep accounts, individual retirement accounts, certificates of deposit, and certificate of deposit account registry services; home equity lines of credit, single-family home construction loans, commercial real estate loans, government-assisted loans, lines of credit, letters of credit, debit cards, credit cards, automated teller machine cards, debit card protection products, and safe deposit boxes; cash management products including online and mobile banking, online bill payment, mobile check deposit, automated clearing house origination, remote deposit capture, night depository box, positive pay, ACH fraud filter, autobooks, merchant card processing, wire transfer, and foreign currency services; and asset-based lending services such as accounts receivable financing, select account factoring, inventory financing, and purchase order financing. Founded in 2006 and headquartered in Gilroy, California, the bank emphasizes robust risk management, digital banking innovations, and community-focused operations through its established branch network and investor relations platform. In recent developments, Pinnacle Bank maintains steady operational expansion amid a stable competitive landscape in regional banking, with no major mergers, acquisitions, or funding rounds reported in the last two years as of late 2025.

Company News

APIChatGPT

  • businesswire.com

    Mark Roach Joins Pinnacle Bank as Executive Vice President, Senior Lending Officer

  • businesswire.com

    Debra Silveira Joins Pinnacle Bank as Executive Vice President, Director of Human Resources

  • businesswire.com

    Pinnacle Bank Announces Earnings for First Quarter of 2026

  • defenseworld.net

    Financial Comparison: International Bancshares (NASDAQ:IBOC) & Pinnacle Bank (OTCMKTS:PBNK)

  • businesswire.com

    Pinnacle Bank Announces Earnings for 2025

  • defenseworld.net

    Pinnacle Bank (OTCMKTS:PBNK) & First Foundation (NYSE:FFWM) Financial Review

  • defenseworld.net

    Financial Comparison: First Foundation (NYSE:FFWM) & Pinnacle Bank (OTCMKTS:PBNK)

  • defenseworld.net

    Head-To-Head Survey: Southside Bancshares (NYSE:SBSI) vs. Pinnacle Bank (OTCMKTS:PBNK)

  • businesswire.com

    Pinnacle Bank Announces Earnings for Third Quarter of 2025

  • businesswire.com

    Pinnacle Bank Announces Earnings for Second Quarter of 2025

  • businesswire.com

    Pinnacle Bank Announces Earnings for First Quarter of 2025

  • businesswire.com

    Pinnacle Bank Announces Earnings for 2024

  • businesswire.com

    RESTATING: Pinnacle Bank Announces Earnings for Third Quarter of 2024

  • businesswire.com

    Pinnacle Bank Announces Earnings for Third Quarter of 2024

  • businesswire.com

    Pinnacle Bank Announces that Edward J. Rossi Has Been Elected Vice Chairman of the Board

  • businesswire.com

    Pinnacle Bank Announces Earnings for First Quarter of 2024

  • businesswire.com

    Pinnacle Bank Announces Record Earnings for 2023

  • businesswire.com

    CORRECTING and REPLACING Pinnacle Bank Announces Earnings for Third Quarter of 2023

  • businesswire.com

    Pinnacle Bank Announces Earnings for Second Quarter of 2023

  • businesswire.com

    ASM Global-Managed Pinnacle Bank Arena Posts Record Revenue in 10th Anniversary Year