Pinnacle Bank (PBNK)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 24 | 30 | 33 | 41 | 40 | 37 | 39 | - |
| Operating profit | $m | 7 | 6 | ||||||
| Net profit | $m | 4 | 8 | 8 | 12 | 9 | 5 | 4 | - |
| EPS reported | $ | 0.91 | 0.70 | ||||||
| Operating cashflow per share | $ | 2.15 | 0.00 | ||||||
| Capex per share | $ | 0.02 | 0.00 | ||||||
| FCF per share | $ | 2.13 | 0.00 | ||||||
| Free cash flow | $m | 13 | 0 | ||||||
| Net debt | $m | -208 | -9 | ||||||
| Book value equity | $m | 106 | 106 | ||||||
| Book value per share | $ | 17.94 | 17.81 | ||||||
| Number of shares | m | 5.93 | 5.97 | ||||||
| DPS (TTM paid) | $ | 0.00 | 0.00 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 21.26 | 22.76 | ||||||
| P/B LTM | x | 1.08 | 1.08 | ||||||
| P/S LTM | x | 3.10 | 2.95 | ||||||
| P/FCF LTM | x | 9.08 | 0.00 | ||||||
| EV/EBITDA LTM | x | -9.01 | -14.10 | ||||||
| EV/Sales LTM | x | -1.60 | 2.08 | ||||||
| Earnings Yield LTM | % | +4.70% | +4.39% | ||||||
| FCF Yield | % | +11.01% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | +5.13% | +4.57% | ||||||
| ROIC | % | +4.38% | +0.54% | ||||||
| Operating margin | % | +14.67% | +14.12% | ||||||
| Gross margin | % | +60.74% | +64.31% | ||||||
| FCF/Sales | % | +24.93% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | -38.93% | -53.02% | ||||||
| Sales Growth YoY | % | -7.97% | -3.32% | ||||||
| Net Income Growth YoY | % | -38.39% | -52.93% | ||||||
| FCF Growth | % | -14.57% | -100.00% | ||||||
| Operating Profit Growth | % | -39.62% | -53.34% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 0.00% | 0.00% | ||||||
| Dividend Growth | % | - | - | ||||||
| Payout Ratio | % | 0.00% | 0.00% | ||||||
| FCF/Debt | x | - | 0.00 | ||||||
| Net Debt/EBITDA | x | -21.79 | -1.35 | ||||||
| EBIT/Net interest | x | 0.54 | 0.95 | ||||||
| Net debt/market cap | % | 0.00% | +0.40% | ||||||
| Net debt/Equity | x | -1.96 | -0.08 | ||||||
| Gross debt/equity | x | 0.00 | 0.02 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Pinnacle Bank operates as a commercial financial institution, providing a diverse array of deposit and credit services across Santa Clara, San Benito, and Monterey counties. Its deposit offerings include various checking, savings, money market, and sweep accounts, alongside individual retirement accounts (IRAs) and certificates of deposit, including access to the Certificate of Deposit Account Registry Service (CDARS). For credit needs, individual clients can secure home equity lines of credit and financing for single-family home construction. Businesses and non-profit organizations are offered general loans and lines of credit, letters of credit, commercial real estate loans, government-assisted financing, and credit cards. Beyond core banking, Pinnacle Bank provides essential services like ATM and debit cards, complete with associated protection, and safe deposit boxes. Its robust cash management suite features digital banking options such as online and mobile access, online bill payment, and mobile check deposit. It also provides advanced tools like Automated Clearing House (ACH) origination and fraud filters, remote deposit capture, a night depository, and Positive Pay. Further services encompass merchant card processing, wire transfers, and foreign currency exchange. Additionally, the bank offers asset-based lending solutions, such as accounts receivable financing, factoring, and purchase order financing, to help businesses manage their working capital. Serving a diverse clientele, including individuals, businesses, and nonprofit organizations, Pinnacle Bank has a local presence in cities such as Morgan Hill, Gilroy, Salinas, and Campbell. Founded in 2005, Pinnacle Bank maintains its headquarters in Gilroy, California.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Pinnacle Bank operates as a commercial financial institution, providing a diverse array of deposit and credit services across Santa Clara, San Benito, and Monterey counties. Its deposit offerings include various checking, savings, money market, and sweep accounts, alongside individual retirement accounts (IRAs) and certificates of deposit, including access to the Certificate of Deposit Account Registry Service (CDARS). For credit needs, individual clients can secure home equity lines of credit and financing for single-family home construction. Businesses and non-profit organizations are offered general loans and lines of credit, letters of credit, commercial real estate loans, government-assisted financing, and credit cards. Beyond core banking, Pinnacle Bank provides essential services like ATM and debit cards, complete with associated protection, and safe deposit boxes. Its robust cash management suite features digital banking options such as online and mobile access, online bill payment, and mobile check deposit. It also provides advanced tools like Automated Clearing House (ACH) origination and fraud filters, remote deposit capture, a night depository, and Positive Pay. Further services encompass merchant card processing, wire transfers, and foreign currency exchange. Additionally, the bank offers asset-based lending solutions, such as accounts receivable financing, factoring, and purchase order financing, to help businesses manage their working capital. Serving a diverse clientele, including individuals, businesses, and nonprofit organizations, Pinnacle Bank has a local presence in cities such as Morgan Hill, Gilroy, Salinas, and Campbell. Founded in 2005, Pinnacle Bank maintains its headquarters in Gilroy, California.
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