Pinnacle Bank (PBNK)


Pinnacle Bank is a common stock listing for Pinnacle Bank, a commercial bank based in Gilroy, California, and traded on OTC Markets under the symbol PBNK. Founded in 2005, the bank serves customers across Santa Clara, San Benito, and Monterey counties in the United States. Its business includes depository products such as checking, savings, money market, retirement, and certificate of deposit accounts, along with CDARS services. On the lending side, Pinnacle Bank provides home equity lines, construction loans, commercial real estate loans, government-assisted loans, letters of credit, debit and credit cards, and other credit products. The bank also offers cash management and treasury-related tools, including online and mobile banking, bill payment, remote deposit capture, ACH services, positive pay, merchant card processing, wire transfers, and foreign currency services. It additionally provides asset-based lending solutions such as receivables financing, factoring, inventory financing, and purchase order financing for individuals, professionals, middle-market businesses, and not-for-profit organizations.


Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
OTC-PBNK
$14.07
-21.8% Downside
Overvalued
Weak
0.0%
July 28, 2026
22.1x
3.5x
107.4 M
0.0%
76.1%
Valuation • Fair Value

Pinnacle Bank (OTC-PBNK) Fair Value by Valuation Model

Compare the primary fair value estimate for Pinnacle Bank (OTC-PBNK) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$14.07

Estimated downside of 21.8% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$9.03

Classic Ben Graham valuation formula reference.

DDM Fair Value

NM

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$14.07

Comparable-company valuation reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use this section to compare the primary fair value estimate for Pinnacle Bank (OTC-PBNK) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

Profitability & Growth for Pinnacle Bank (OTC-PBNK)

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

30.305 M

Current operating scale indicator.

Revenue Forecast

30.755 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

EBITDA Forecast

Not available

Data is currently unavailable.

How to read profitability and growth

This section helps investors review Pinnacle Bank (OTC-PBNK) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Pinnacle Bank (OTC-PBNK)

Review financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Weak

Financial pressure deserves closer review.

Piotroski Score

1

Weak quality score that deserves closer review.

Beneish M-Score

NM

Forensic accounting screen.

Altman Z-Score

Not available

Data is currently unavailable.

FCF / Net Income

Not available

Data is currently unavailable.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Pinnacle Bank (OTC-PBNK). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Pinnacle Bank (OTC-PBNK)

Track the next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

July 28, 2026

Days to Earnings

7

Dividend Payment Date

Not available

Ex-Dividend Date

Not available

Dividend Yield

0.0%

Income yield reference.

Upcoming Dividend

Not available

Data is currently unavailable.

Payment Type

Not available

Data is currently unavailable.

Dividend Currency

Not available

Data is currently unavailable.

Payout Ratio

Not available

Data is currently unavailable.

How to read events and dividends

This section helps investors track time-sensitive items for Pinnacle Bank (OTC-PBNK), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Pinnacle Bank (OTC-PBNK) Stock Forecast & Technical Outlook

Review Pinnacle Bank (OTC-PBNK) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Neutral

The 15-minute technical read for Pinnacle Bank (OTC-PBNK) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Buy

The 1-hour technical read for Pinnacle Bank (OTC-PBNK) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Buy

The daily technical read for Pinnacle Bank (OTC-PBNK) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Pinnacle Bank (OTC-PBNK) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Neutral

The monthly technical read for Pinnacle Bank (OTC-PBNK) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Pinnacle Bank (OTC-PBNK)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Not available

Analyst recommendation data for Pinnacle Bank (OTC-PBNK) is not currently available.

Buy 0
Hold 0
Sell 0
FAQ Fast Investor Answers

Pinnacle Bank (OTC-PBNK) Stock FAQ

Quick answers about Pinnacle Bank (OTC-PBNK) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$14.07
Estimated downside 21.8%
Valuation Rating
Overvalued
Estimated downside of 21.8%
Analyst Target
Not available
Data is currently unavailable
Financial Health
Weak
Current financial-health read

The current fair value estimate for Pinnacle Bank (OTC-PBNK) is $14.07. This implies an estimated downside of 21.8% versus the current market price.

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 21.8% versus the current market price.

An analyst price target for Pinnacle Bank (OTC-PBNK) is not currently available in the latest data file.

The current financial health read for Pinnacle Bank (OTC-PBNK) is Weak. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Pinnacle Bank (OTC-PBNK) is July 28, 2026.

Based on the current data, dividend yield is 0.0%.

The current P/E ratio listed for Pinnacle Bank (OTC-PBNK) is 22.1x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Pinnacle Bank is 107.4 M.

The ticker symbol for Pinnacle Bank is OTC-PBNK, and the stock is listed on OTC Markets.

Pinnacle Bank (OTC-PBNK) is listed on OTC Markets.

The current debt-to-total-capital ratio listed for Pinnacle Bank is 0.0%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Pinnacle Bank is 76.1%. Free float helps investors understand how much of the share base is available for public trading.