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Equity
Pinnacle Bank(PBNK)
USD --+0.00%
Reward63Moderate
Risk32Moderate
📊75%Data
Strong 24% profit margin · Revenue down 17% YoY
PBNK
+0.0 · +0.00%
USD · OTCQB
Pinnacle Bank | Financial Services
Quality Compounder
Market Cap:116.76M
ℹ️
Reward Rating
63
Moderate
Top 50% (model universe)
75% data coverage
ℹ️
Risk Rating
32
Moderate
Risk Assessment
ℹ️

Educational tool only – Scores are based on historical data and financial metrics for informational purposes. This is not financial advice or a recommendation to buy or sell any security. Always conduct your own research or consult a qualified financial adviser.

ℹ️ Educational tool only · More
Limited data coverage
We don't have enough public data on PBNK to score it reliably yet — Reward, Risk, Forecasts and Dividends tabs aren't available for this stock. The price chart and basic profile are still shown.
OTC / ADR stock — scores and fundamentals use data tagged in USD by our provider. The issuer may report in a different home currency (e.g. JPY), so treat figures as directional rather than precise.
Not available for limited-coverage stocks
The overview tab requires fundamentals and price history we don't have for this stock. The price chart is the most reliable view we have — try the Chart tab.

Market Performance

Stock returned +10.0% over the past year, broadly in line with market conditions.

What is Pinnacle Bank?

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

PBNK · Verdict

Solid reward · moderate risk

PBNK scores well on volatility and cash flow with no major weaknesses flagged in the model.

Based on 88% data coverage

PBNK · Verdict

What’s working & what to watch

Strengths 5

  • Volatility95/100

    Top decile vs peers

  • Cash flow79/100

    37% free-cash-flow margin

  • Profitability70/100

    22% net margin · 0% ROE

  • Growth66/100

    Rev +10.0% CAGR · earnings +4.5%

  • Valuation66/100

    Above average

No major weaknesses flagged.

Model-based scoring. For information only — not financial advice.

What is Pinnacle Bank?

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. The company is listed on the OTCQB in USA, operating in the Financial Services sector, with a market capitalisation of 116.76M, and a P/E ratio of 13.2x.

Financial Highlights

Investment Breakdown

📈 Growth
Moderate growth momentum — positive trajectory without breakout acceleration.
💰 Profitability
Strong margins and consistent earnings support financial stability.
⚠️ Risk
Below-average volatility supports a steadier risk profile.
💸 Valuation
Valuation appears fair relative to current fundamentals.

OpenBook Logo Analysis

Reward: Moderate (63)

The scoring profile indicates moderate reward potential, with profitability and growth as the leading contributors. Risk indicators are moderate, consistent with typical market exposure.

For informational purposes only. Not financial advice.

Company Information
SectorFinancial Services
Market Cap116.76M
P/E Ratio13.2215
Dividend YieldN/A
52 Week High20.95
52 Week Low17.16
Last AnnualDecember
IPO DateN/A
IncorporatedUSA
Shares Outstanding6M
No. of EmployeesN/A
IndustryBanks - Regional
ExchangeOTCQB
Beta0.251
CurrencyUSD
Websitewww.pinnacle.bank
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