Financial Services
Pinnacle Bank(PBNK)
Live Price
Offline$17.66
-1.89% today
1Y Change
-9.74%
Window
Jun 25, 2025 โ Jun 23, 2026
- Market Cap
- $100.00M
- Revenue Growth
- -6.1%
- EPS Growth
- -39.5%
- Dividend Yield
- 0.0%
Coverage: 249 bars ยท Jun 25, 2025 โ Jun 23, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Pinnacle Bank (PBNK) is a Financial Services stock with a market cap of $100.00M and listed on OTC. The stock last traded around $17.66 and down 9.7% across the available one-year price window (Jun 25, 2025 โ Jun 23, 2026). Baseline metrics include revenue growth of -6.1%, EPS growth of -39.5%, a dividend yield of 0.0%. What stands out right now is revenue -6.1%, EPS -39.5%, free cash flow -14.6% with operating margin 14.1% and ROIC 0.5%. Valuation is more restrained than many high-expectation growth names at P/E 21.6 and price/sales 2.2. Overall, the current profile looks closer to a turnaround or cyclical reset than a generic broad-market placeholder. Stock Foundry combines PBNK price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Below sector median
-6.1% vs +3.4% peer median
Operating Margin
Above sector median
+14.1% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Jan 29, 2026, but the surprise data is still limited.
The operating picture looks softer than before
Revenue is at -6.1% and EPS is at -39.5%, with operating margin around 14.1%.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged -2.3% over the next 5 trading days and finished higher after 0 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Jan 29, 2026 | โ | -1.3% | -5.1% | -8.9% |
2025 Oct 30, 2025 | โ | -0.6% | -0.6% | -4.4% |
2025 Jul 24, 2025 | โ | +0.0% | -1.2% | -2.6% |
Benchmark Edge
PBNK vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
PBNK
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
PBNK Max Drawdown
-23.63%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for PBNK and SPY.
Company Overview
Pinnacle Bank
Other OTC
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 2005 and is headquartered in Gilroy, California.
- Leadership
- Jeffrey D. Payne
- IPO Date
- May 1, 2007
- Employees
- 95
- Street Address
- 7597 Monterey Street
- Mailing
- Gilroy, CA, 95020
- Region
- Gilroy, CA, US
- Reporting Currency
- USD
- Investor Line
- 408 842 8200
- Last Updated
- May 3, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 21.6
- EV/EBITDA
- 14.2
- Price/Sales
- 2.2
- Price/Book
- 1.0
Growth
- Revenue
- -6.1%
- EPS
- -39.5%
- Free Cash Flow
- -14.6%
Profitability
- Gross Margin
- 48.6%
- Operating Margin
- 14.1%
- Net Margin
- 10.3%
- ROE
- 4.7%
- ROIC
- 0.5%
Balance Sheet
- Debt/Equity
- 0.02
- Current Ratio
- 30.83
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.