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Pinnacle Bank (PBNK) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Pinnacle Bank stock $15.33, price $18.90, that is 18.9% below the price, quality 64 out of 100. Rating: overvalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

PB Pinnacle Bank logo Some data Nov 8, 2026

Pinnacle Bank

PBNK · US
Solid, but expensive

Our calculation puts a fair price 19% below what the stock costs today.

Quality 64/100
Solidly profitable · 14.4% net margin (TTM)
Mixed Growth (revenue 5y +9.1 %/yr in USD)
Mixed vs. peers (5/12)
Moderate moat 57/100 · thin data
Some data
Revenue last quarter 14% below a year ago.
Fair value $15.33 · Overvalued
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$20.95 $10.00 Fair Value $15.33 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

60‑month range $10.00 – $20.95 · fair‑value band $11.50 – $19.16 · the $18.90 price screens above the $15.33 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.

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Company profile

Pinnacle Bank, a commercial bank, provides various depository and credit services in the Santa Clara, San Benito, and Monterey counties in the United States.

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The company offers checking, savings, money market, business 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 debit and 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, autobooks, merchant card processing, wire transfer, and foreign currency services; and asset-based lending services comprising accounts receivable financing, factoring select accounts, inventory financing, and purchase order financing services.

It serves individuals, professionals, middle-market businesses, and not-for-profit organizations. Pinnacle Bank was founded in 2005 and is headquartered in Gilroy, California.

Stock analysis

Pinnacle Bank (PBNK) currently trades at $18.90, while our model-based Fair Value estimate is $15.33, 19% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $15.33 per share, and 0 of the 4 models we run sit above the $18.90 price.

Bear case: the Asset-Based group reads lowest at $11.25, and 4 of the 4 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $11.50 (bear) to $19.16 (bull), the price of $18.90 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 64/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Pinnacle Bank reported revenue of $37.0M in FY2025 versus $30.2M in FY2021, a compound +5.2%/yr. Reported net income was $5.4M in FY2025, compounding −8.4%/yr from FY2021.

Key figures

Market cap $112M Micro · P/E ratio 20.8 · P/S ratio 3.06 · EPS (TTM) $0.9100 · Net margin 14.7% · Return on assets (EBIT) 1.6% (5-year average) · Operating margin 25.6% · Revenue (TTM) $29.0M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 57 out of 100 (low confidence).

What moves the price

The share trades about 4% below its 52-week high and 18% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −19%, PBNK screens cheaper than that median.

Fair Value models

Bear $11.50 Fair Value $15.33 Bull $19.16
Price $18.90 · Downside -18.9%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($0.7804 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $12.79 $12.61 $13.11 71
P/E Multiple $8.90 $11.87 $14.83 63
P/B Multiple $14.09 $18.79 $23.48 55
All 4 models by family
Multiples
P/E Multiple $8.90 $11.87 $14.83 63
P/B Multiple $14.09 $18.79 $23.48 55
Asset-Based
NCAV (Graham) $8.39 $11.25 $16.79 54
Economic Profit
Residual Income $12.79 $12.61 $13.11 71

Open the full fair value analysis →

Quality Score breakdown

Overall quality 64/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 24
How much profit the company makes from its sales and capital
Quality Growth 48
Are margins and returns getting better?
Cashflow 100
Do the profits arrive as real cash?
Financial strength 73
Debt, balance sheet and risk of trouble
Investment 69
Does it invest with discipline instead of growing at any price?
Low Volatility 100
How calm the share price moves, does not count
Price momentum 43
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 53
Distance to the 52-week high, does not count
New shares 64
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 78/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−8.0%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.1%
Start year 2020 (pandemic). Over 10 years: +13.9% a year
Revenue growth 11 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.5%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−2.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year−2.9%
Dividend (yield on the price)0.0%

PBNK screens overvalued: fair value 19% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 5/11 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 64 · Top 25%
Fair Value upside −18.9% · Above median
Profitability
Return on assets 0.6% · Bottom 25%
Net margin (12 months) 14.4% · Bottom 25%
Operating margin (12 months) 25.6% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) −13.7% · Bottom 25%
Balance sheet
Debt / equity 0.05× · Lowest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 20.8× · Priciest 25%
P/B 1.05× · Cheaper than median
P/S (12 months) 3.86× · Pricier than median
Price / free cash flow (fiscal year) 8.9× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)8 · sector 8
FUTURE (revenue growth)0 · sector 47
PAST (return on equity)0 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs PBNK
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs PBNK
BNP Paribas SA BNP €91.93 €106.01 +15% vs PBNK
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs PBNK
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs PBNK
UniCredit S.p.A UCG €76.80 €50.44 −34% vs PBNK
Mizuho Financial Group MFG $9.40 $5.90 −37% vs PBNK
DBS Group D05 69.72 SGD 40.39 SGD −42% vs PBNK
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs PBNK
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs PBNK

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Pinnacle Bank: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Pinnacle Bank Fair Value". https://www.fairvalue-calculator.com/stock/PBNK

Frequently asked questions

Is Pinnacle Bank (PBNK) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $15.33 versus a price of $18.90, about 19% lower (overvalued).
What is the fair value of PBNK?
Our model-based fair value for Pinnacle Bank is $15.33 (as of Nov 8, 2026), built from audited fundamentals. The current price: $18.90.
What is the quality score of PBNK?
Pinnacle Bank has a Quality Score of 64/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Pinnacle Bank (PBNK)?
Our model-based price target is the fair value of $15.33 (as of Nov 8, 2026) from 4 valuation models. Cautious scenario $11.50, optimistic scenario $19.16. It is a calculation from audited fundamentals, not an analyst target.
What is the Pinnacle Bank stock forecast for 2026?
Our models put fair value at $15.33, about 19% lower versus a price of $18.90 (overvalued). Cautious scenario $11.50, optimistic scenario $19.16. The calculation is refreshed regularly with new filings.
What is the revenue of Pinnacle Bank (PBNK)?
Pinnacle Bank reported trailing-twelve-month revenue of about $29.0M (latest available figure, as of Nov 8, 2026).
What is the intrinsic value of Pinnacle Bank (PBNK)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Pinnacle Bank it is $15.33 per share (as of Nov 8, 2026), against a price of $18.90. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is Pinnacle Bank stock overvalued or undervalued in 2026?
As of Nov 8, 2026, PBNK trades above its calculated fair value: price $18.90, fair value $15.33, a gap of about −19% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of PBNK?
No. The price is what the market pays today ($18.90); the fair value is what the company's own numbers justify ($15.33). For Pinnacle Bank the two are $3.57 per share apart. That gap is exactly why we show both numbers side by side.
How much is Pinnacle Bank worth?
The market values Pinnacle Bank at about $112M (market capitalisation, as of Nov 8, 2026). Per share that is $18.90; our models calculate a fair value of $15.33 per share.
What do the bullish and bearish scenarios say about PBNK?
Our models span a range for Pinnacle Bank: cautious scenario $11.50, base $15.33, optimistic $19.16 per share (as of Nov 8, 2026, price $18.90). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of PBNK?
Pinnacle Bank trades at a price-to-earnings ratio of 20.8 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $15.33 is built from several models across several years. Median P/E at fiscal year-end, 8 fiscal years (2018 to 2025), reported earnings: 11.0. Other multiples: P/B 1.1, P/S 3.9.
How solid is the balance sheet of Pinnacle Bank (PBNK)?
Balance-sheet figures for Pinnacle Bank (as of Nov 8, 2026): debt of 0.05 per unit of equity. They feed the Quality Score of 64/100, which measures business quality independently of the share price.
How far is PBNK from its 52-week high?
Pinnacle Bank trades at $18.90, about 4% below its 52-week high of $19.75 and 18% above the low of $16.00 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $15.33 is for.
Which stocks are comparable to Pinnacle Bank?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Pinnacle Bank stock attractive at the current price?
The data as of Nov 8, 2026: price $18.90, calculated fair value $15.33 (−19%), Quality Score 64/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of PBNK calculated?
We run Pinnacle Bank through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $15.33 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Pinnacle Bank itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Pinnacle Bank (PBNK)?
The closing price on Nov 6, 2026 was $18.90. Our model-based fair value is $15.33, about 19% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Pinnacle Bank right now?
Solid but not exceptional quality (64/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Pinnacle Bank

How large is the market capitalisation of Pinnacle Bank (PBNK)?
The market capitalisation of Pinnacle Bank is $112M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Pinnacle Bank (PBNK)?
The price-to-sales ratio of Pinnacle Bank is 3.06 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Pinnacle Bank (PBNK)?
Earnings per share at Pinnacle Bank are $0.9100 (price ÷ EPS = P/E 20.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Pinnacle Bank (PBNK)?
The net margin of Pinnacle Bank is 14.7% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the EBIT return on assets of Pinnacle Bank (PBNK)?
On an EBIT basis the return on assets of Pinnacle Bank is 1.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Pinnacle Bank (PBNK)?
The operating margin of Pinnacle Bank is 25.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Pinnacle Bank (PBNK)?
Revenue at Pinnacle Bank is growing −13.7% versus a year earlier (3y avg +4.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Pinnacle Bank (PBNK)?
Earnings per share at Pinnacle Bank are growing −31.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Pinnacle Bank (PBNK) generate?
The free cash flow of Pinnacle Bank is $12.6M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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