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 directly to the stock analysis sections supported by the latest available data.

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 Overall Financial Health Dividend Yield Next Earnings Date P/E Ratio Price-to-Sales Ratio Market Cap Total Debt / Total Capital Free Float / Shares Outstanding
OTC-PBNK
$14.22
-22.7% Downside
Overvalued
Not available
Not available
Weak
0.0%
October 28, 2026
26.4x
3.8x
109.9 M
0.0%
76.1%
Valuation • Fair Value

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

Review the available estimates for Pinnacle Bank (OTC-PBNK), including Ben Graham Formula Value, Comps Fair Value.

Primary Valuation Read

Fair Value

$14.22

Estimated downside of 22.7% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

Ben Graham Formula Value

$7.74

Classic Ben Graham valuation formula reference.

Comps Fair Value

$14.22

Comparable-company valuation reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use the 4 available valuation references for Pinnacle Bank (OTC-PBNK) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for Pinnacle Bank (OTC-PBNK)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

29.002 M

Current operating scale indicator.

Revenue Forecast

30.755 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

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 the financial quality and risk indicators currently supported by the latest data.

Financial Health

Weak

Financial pressure deserves closer review.

Piotroski Score

2

Weak quality score that deserves closer review.

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 upcoming dates and dividend metrics currently supported by the latest data.

Next Earnings Date

October 28, 2026

Days to Earnings

36

Dividend Yield

0.0%

No current dividend yield is indicated.

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.

Technical Outlook

Technical Signals by Time Frame

Review the technical signals currently available for this stock across supported time frames.

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
Neutral

The 1-hour 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: daily • daily
Neutral

The daily 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: 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.

FAQ Fast Investor Answers

Pinnacle Bank (OTC-PBNK) Stock FAQ

Data-supported answers about Pinnacle Bank (OTC-PBNK), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
$14.22
Estimated downside 22.7%
Valuation Rating
Overvalued
Estimated downside of 22.7%
Financial Health
Weak
Current financial-health read

The current fair value estimate for Pinnacle Bank (OTC-PBNK) is $14.22. This implies an estimated downside of 22.7% versus the current market price.

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 22.7% versus the current market price.

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 October 28, 2026.

The latest available data indicates no current dividend yield for Pinnacle Bank (OTC-PBNK).

The current P/E ratio listed for Pinnacle Bank (OTC-PBNK) is 26.4x. 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 109.9 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.