PBNK (Pinnacle Bank) Net Loan: $567.47 Mil (As of Dec. 2025)

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PBNK Pinnacle Bank PBNK
67 GF Score
Price $18.30
GF Value $15.94
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Pinnacle Bank Net Loan?

Pinnacle Bank PBNK 67 Net Loan is $567.47 Mil as of Dec. 2025. GuruFocus rates PBNK with a GF Score™ of 67/100 and a GF Value™ of $15.94 (Modestly Overvalued). The stock has 4 warning signs investors should review.

Pinnacle Bank's quarterly net loan increased from Dec. 2023 ($553.16 Mil) to Dec. 2024 ($589.18 Mil) but then declined from Dec. 2024 ($589.18 Mil) to Dec. 2025 ($567.47 Mil).

Pinnacle Bank's annual net loan increased from Dec. 2023 ($553.16 Mil) to Dec. 2024 ($589.18 Mil) but then declined from Dec. 2024 ($589.18 Mil) to Dec. 2025 ($567.47 Mil).

Pinnacle Bank Net Loan Historical Data

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The historical data trend for Pinnacle Bank's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Pinnacle Bank Net Loan Chart

Pinnacle Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 421.45 498.83 553.16 589.18 567.47

Pinnacle Bank Semi-Annual Data
Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 421.45 498.83 553.16 589.18 567.47
PBNK
67GF Score
Pinnacle Bank PBNK
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Pinnacle Bank Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $567.47 Mil mean?
Pinnacle Bank (PBNK) has a Net Loan of $567.47 Mil as of Dec. 2025. The total net loans as recorded on a bank's balance sheet. View historical data on Pinnacle Bank and its competitors.
Is Pinnacle Bank's Net Loan too high?
Pinnacle Bank's current Net Loan is $567.47 Mil. Overall, Pinnacle Bank has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pinnacle Bank's Net Loan compare to PROV and BORT?
Pinnacle Bank's Net Loan of $567.47 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Pinnacle Bank and its competitors. Pinnacle Bank's current Net Loan is $567.47 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pinnacle Bank stock overvalued right now?
Based on GuruFocus' analysis, Pinnacle Bank (PBNK) is currently considered Modestly Overvalued. The stock's GF Value™ is $15.94, compared to a current price of $18.30 — trading 14.8% above its estimated fair value. The current Net Loan is $567.47 Mil. Pinnacle Bank's overall GF Score™ is 67/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Pinnacle Bank (PBNK), the current Net Loan is $567.47 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Pinnacle Bank (PBNK) Overvalued in 2026?

Based on GuruFocus' analysis, Pinnacle Bank stock appears to be overvalued. The current stock price of $18.30 is trading 14.8% above its estimated GF Value™ of $15.94. GuruFocus considers Pinnacle Bank to be Modestly Overvalued.

Key valuation signals for PBNK:

  • Net Loan: $567.47 Mil
  • GF Value™: $15.94 vs. price of $18.30 (14.8% above fair value)
  • GF Score™: 67/100 with 4 warning signs

No single metric tells the full story. See the PBNK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Pinnacle Bank Business Description

Address 7597 Monterey Street, Gilroy, CA, USA, 95020
Pinnacle Bank is a bank holding company. It bank offers Business Banking, Asset Based Lending, Personal Banking, and Fraud Protection. It includes Business Financing Options, Deposit Services, Online/Mobile Banking, Personal Loans, Online Safety, ATM/Debit Scams, and others. It offers various types of deposits, including noninterest-bearing demand deposits and interest-bearing deposits. It provides products and services to small to middle-market businesses, professionals, not-for-profit organizations, and individuals.
67GF Score

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Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$18.30
Price
$15.94
GF Value