Pinnacle Bank Financial Ratios — PBNK Stock

Profitability (USD)

	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	4.1	4.15	9.17	9.47	14.37	11.84	7.04	12.43	11.8	14.07	9.23	5.23
Return on Assets (%)	- -	0.46	0.42	0.9	0.93	1.52	1.43	0.76	1.14	1.13	1.49	1.06	0.63
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	4.1	4.15	9.18	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	13.89	21.76	22.21	33.76	2.63	2.63	9	7.76	7.35	8.75	5.4	5.74	4.19
Operating Margin (%)	9.38	17.66	18.25	31.01	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	82.81	28.05	62.83	-102.4	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	9.38	17.66	18.25	31.01	33.76	37.45	35.59	23.92	36.22	36.45	40.09	30.61	20.08
Profit Margin (%)	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
Net Income to Common Margin (%)	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
Effective Tax Rate (%)	- -	39.58	41.24	40.96	49.97	28.16	31.54	31.39	29.06	29.17	28.86	28.09	26.61
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	4.1	4.15	9.17	9.47	14.37	11.84	7.04	12.43	11.8	14.07	9.23	5.23

Credit (USD)

API ChatGPT

	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	- -	- -	- -	- -	- -	- -	5	- -	- -	- -	- -	- -
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	- -	- -	- -	5	- -	- -	- -	- -	- -
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	2.68	- -	- -	- -	- -	- -
Net Debt/EBITDA	-19.52	-24.96	-20.36	-8.5	-113.49	-97.15	-30.86	-53.54	-113.32	-26.4	-39.13	-48.35	-126.22
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	-28.89	-30.76	-24.79	-9.26	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	12.14	10.47	10.03	9.55	10	11.18	12.81	9.43	9.01	10.12	11.08	11.93	12.05
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	8.59	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	7.91	- -	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	0.81	- -	- -	- -	- -	- -
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	8.59	- -	- -	- -	- -	- -
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	7.91	- -	- -	- -	- -	- -
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	0.81	- -	- -	- -	- -	- -
Net Debt to Equity	-94.79	-203.74	-170.66	-136.7	-152.57	-126.08	-118.1	-171.44	-378.55	-102.66	-99.18	-112.76	-183.95
Net Debt/Capital (%)	-1,715.1	196.37	241.6	372.58	290.32	484.06	652.09	239.79	135.99	-6,955.26	-2,580.22	1,052.3	221.47
EBITDA	1	2	2	5	- -	1	2	2	2	3	2	2	2
EBITDA-CapEx	- -	2	1	4	-5	- -	2	- -	2	3	2	2	1
Operating Income (Loss)	1	2	2	4	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	12.14	10.47	10.03	9.55	10	11.18	12.81	9.43	9.01	10.12	11.08	11.93	12.05
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	8.59	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	7.91	- -	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	0.81	- -	- -	- -	- -	- -
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	8.59	- -	- -	- -	- -	- -
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	7.91	- -	- -	- -	- -	- -
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	0.81	- -	- -	- -	- -	- -
CFO/Total Liabilities	1.37	0.59	0.47	0.83	0.33	2.34	1.51	0.83	1.31	1.26	1.67	2.06	1.62
CFO/CapEx	2.97	17.5	1.43	17.35	0.2	7.57	22.81	2.25	16.95	39.58	189.9	161.48	110.56
Altman's Z-Score	0.06	0.09	0.09	0.13	0.13	0.14	0.17	0.1	0.13	0.15	0.18	0.21	0.12

Working Capital (USD)

API ChatGPT

	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	1.27	1.39	1.9	2.37	2.34	2	1.74	1.93	1.84	2.16	4.12	- -
Days Sales Outstanding	- -	287.29	263.21	191.97	154.15	156.2	182.87	209.48	188.67	198.65	168.62	88.53	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

API ChatGPT

	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	18	25	25	28	45	50	60	45	68	73	80	112	- -
- Cash & Cash Equivalents	22	49	43	39	52	51	63	105	251	76	87	112	196
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	- -	- -	- -	- -	5	- -	- -	- -	- -	- -
Enterprise Value	-10	-29	-23	-14	-11	-3	-4	-63	-203	-55	-63	-36	-208
Total Capital	23	24	25	28	34	40	54	63	67	77	91	101	107
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	7.91	- -	- -	- -	- -	- -
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	-0.08	- -	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	19	27	26	29	46	51	62	46	70	75	81	114	- -
Diluted Enterprise Value	-3	-23	-17	-10	-6	1	-2	-54	-182	-1	-6	2	-196
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	8	9	10	13	18	20	23	24	30	33	41	40	37
TTM EBITDA	1	2	2	5	- -	1	2	2	2	3	2	2	2
TTM Operating Income	1	2	2	4	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	2	1	1	2	1	7	6	5	9	9	12	15	13
TTM Free Cash Flow to Firm	3	1	2	2	6	8	6	7	9	9	12	15	13

Multiples (USD)

API ChatGPT

	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	6.1	20.63	14.43	12.33	7.68	6.07	10.71	6.82	7.48	8.46	6.64	7.34	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-10	-29	-23	-14	-11	-3	-4	-63	-203	-55	-63	-36	-208
Low Price	3.86	4.73	6.47	6.23	6.83	10.91	11.28	5.75	8.9	11.55	9.01	14.2	17.16
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	2.74	25.7	23.93	11.29	15.05	9.3	10.86	11.46	8.81	8.66	6.79	12.67	- -
Price/Earnings Average	2.38	22.66	24.69	10.63	11.12	10.53	10.95	11.06	8.81	8.34	6.22	11.42	- -
Price/Earnings High	2.85	25.7	30.33	12.56	15.05	11.89	11.97	15.73	9.61	9	6.95	13.33	- -
Price/Earnings Low	2.2	18.06	23.34	9.67	9.04	9.12	10.38	7.64	6.14	7.43	4.32	9.37	- -
Price/Book Value	0.77	1.03	0.97	0.98	1.3	1.24	1.13	0.78	1.03	0.95	0.88	1.11	- -
Price/Book Value Average	0.67	0.91	1	0.93	0.96	1.4	1.13	0.75	1.03	0.92	0.81	1	- -
Price/Book Value High	0.8	1.03	1.23	1.1	1.3	1.58	1.24	1.07	1.12	0.99	0.9	1.17	- -
Price/Book Value Low	0.62	0.72	0.94	0.84	0.78	1.21	1.08	0.52	0.72	0.82	0.56	0.82	- -
Price/Tangible Book Value	0.77	1.03	0.97	0.98	1.3	1.24	1.13	0.78	1.03	0.99	0.91	1.13	- -
Price/Tangible Book Value Average	0.67	0.91	1	0.93	0.96	1.4	1.13	0.75	1.03	0.96	0.83	1.02	- -
Price/Tangible Book Value High	0.8	1.03	1.23	1.1	1.3	1.58	1.24	1.06	1.12	1.03	0.93	1.19	- -
Price/Tangible Book Value Low	0.62	0.72	0.94	0.84	0.78	1.21	1.08	0.52	0.72	0.85	0.58	0.84	- -
Price/Sales	2.2	2.74	2.57	2.07	2.54	2.5	2.65	1.88	2.26	2.24	1.94	2.79	- -
Price/Sales Average	1.91	2.42	2.65	1.95	1.88	2.83	2.67	1.82	2.26	2.15	1.77	2.51	- -
Price/Sales High	2.29	2.74	3.25	2.3	2.54	3.2	2.92	2.58	2.47	2.32	1.98	2.94	- -
Price/Sales Low	1.77	1.93	2.5	1.77	1.53	2.45	2.53	1.25	1.58	1.92	1.23	2.06	- -
Price/Cash Flow	7.71	20.38	23.12	12.54	44.01	6.66	10.96	9.71	7.74	8.5	6.58	7.28	- -
Price/Cash Flow Average	6.71	17.98	23.84	11.81	32.52	7.54	11.04	9.37	7.74	8.18	6.03	6.56	- -
Price/Cash Flow High	8.03	20.38	29.29	13.95	44.01	8.52	12.08	13.32	8.44	8.84	6.73	7.66	- -
Price/Cash Flow Low	6.2	14.32	22.55	10.74	26.44	6.53	10.48	6.48	5.39	7.29	4.18	5.38	- -
Price/Free Cash Flow Average	5.31	18.2	14.88	11.61	5.68	6.88	10.8	6.58	7.47	8.14	6.08	6.61	- -
Price/Free Cash Flow High	6.35	20.63	18.28	13.72	7.68	7.77	11.8	9.36	8.15	8.79	6.8	7.72	- -
Price/Free Cash Flow Low	4.91	14.5	14.07	10.56	4.61	5.96	10.24	4.55	5.21	7.25	4.22	5.43	- -
EV/Sales Average	- -	- -	- -	- -	- -	0.28	- -	- -	- -	- -	- -	- -	- -
EV/Sales High	- -	- -	- -	- -	- -	0.65	0.14	- -	- -	0.01	- -	0.16	- -
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Average	-5.75	-13.85	-8.45	-2.74	-42.01	10.79	-1.23	-30.15	-82.56	-1.81	-6.28	-4.61	-126.22
EV/EBITDA High	-3.04	-12.36	-5.73	-1.69	-16.77	24.74	1.54	-20.29	-79.75	0.16	-2.43	2.74	-126.22
EV/EBITDA Low	-6.78	-16.11	-9.1	-3.26	-55.38	-3.69	-2.75	-37.38	-91.88	-4.49	-16.33	-12.43	-126.22
EV/EBIT Average	-8.5	-17.07	-10.29	-2.98	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	-4.49	-15.23	-6.97	-1.84	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	-10.04	-19.85	-11.07	-3.55	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	4.8	6.73	6.64	7.27	11.36	11.12	11.8	8.62	12.78	13.47	14.17	19.2	19.35
High Price	5	6.73	8.41	8.09	11.36	14.23	13	11.83	13.94	14	14.5	20.2	20.95
Enterprise Value Average	-6	-27	-18	-12	-19	6	-3	-56	-183	-5	-14	-11	-196
Enterprise Value High	-3	-24	-12	-8	-8	13	3	-38	-177	- -	-5	6	-196
Enterprise Value Low	-8	-32	-19	-15	-25	-2	-6	-70	-204	-13	-36	-29	-196

Shares Outstanding	4	4	4	4	4	5	5	5	5	6	6	6	6
Diluted Weighted Avg Shares	4	4	4	4	4	5	5	5	5	6	6	6	- -
Basic Weighted Avg Shares	4	4	4	4	4	4	5	5	5	5	6	6	- -
Revenue per Share	2.18	2.45	2.59	3.52	4.47	4.45	4.46	4.58	5.65	6.02	7.32	6.88	- -
EBITDA per Share	0.3	0.53	0.57	1.19	0.12	0.12	0.4	0.36	0.42	0.53	0.4	0.4	- -
Operating Income per Share	0.2	0.43	0.47	1.09	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.75	0.26	0.28	0.64	0.76	1.2	1.09	0.75	1.45	1.55	2.09	1.52	- -
Basic EPS from Cont Ops	1.75	0.26	0.28	0.64	0.76	1.2	1.09	0.75	1.45	1.55	2.09	1.52	- -
Diluted EPS, GAAP	1.66	0.24	0.26	0.62	0.73	1.16	1.06	0.74	1.42	1.52	2.06	1.49	- -
Diluted EPS from Cont Ops	1.66	0.24	0.26	0.62	0.73	1.16	1.06	0.74	1.42	1.52	2.06	1.49	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	0.62	0.33	0.29	0.58	0.26	1.67	1.08	0.89	1.65	1.58	2.15	2.64	- -
Free Cash Flow per Basic Share	0.41	0.31	0.09	0.55	-1.02	1.45	1.03	0.49	1.55	1.54	2.14	2.62	- -
Cash & Equivalents per Share	7.53	14.7	12.84	11.01	14.08	11.89	12.61	21.53	50.81	23.5	25.4	25.43	- -
Book Value 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	- -
Tangible 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	- -

Pinnacle Bank

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)