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Pinnacle Bank, a commercial bank, (PBNK) Fair Value & Analysis

Financial Services · US · Market cap $107M

Price$18.40
Fair Value$11.95
Upside-35.1%
Quality95/100
Evidence: High Range $8.96 – $14.94

Fair value as of: Jun 26, 2026

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Analysis

Pinnacle Bank, a commercial bank, (PBNK) currently trades at $18.40, while our model-based Fair Value estimate is $11.95 — implying the stock looks roughly 35.1% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

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

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Frequently asked questions

Is Pinnacle Bank, a commercial bank, (PBNK) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $11.95 versus a price of $18.40 — about −35% (overvalued). Model-based estimate, not financial advice.
What is the fair value of PBNK?
Our 21-model fair value for Pinnacle Bank, a commercial bank, is $11.95 (as of Jun 26, 2026), built from audited fundamentals. The current price is $18.40.
What is the quality score of PBNK?
Pinnacle Bank, a commercial bank, has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.