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Pinnacle BankPBNK 67 Debt-to-Equity is 0.00 as of Dec. 2025. GuruFocus rates PBNK with a GF Score™ of 67/100 and a GF Value™ of $15.95 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,419 Banks companies, Pinnacle Bank ranks worse than 70472.09% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Pinnacle Bank's Debt-to-Equity or its related term are showing as below:
During the past 13 years, the highest Debt-to-Equity Ratio of Pinnacle Bank was 0.09. The lowest was 0.09. And the median was 0.09.
PBNK's Debt-to-Equity is not ranked *
in the Banks industry.
Industry Median: 0.58 * Ranked among companies with meaningful Debt-to-Equity only.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Pinnacle Bank Debt-to-Equity Related Terms
Pinnacle Bank Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Pinnacle Bank's Debt-to-Equity 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.
PBNK vs PROV, BORT, RVSB: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Pinnacle Bank's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Pinnacle Bank Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Pinnacle Bank's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Pinnacle Bank's Debt-to-Equity falls into.
* 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 (PBNK) has a Debt-to-Equity of 0.00 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Pinnacle Bank and its competitors. Over the past decade, Pinnacle Bank's Debt-to-Equity has ranged from 0.09 to 0.09. According to the industry distribution chart, Pinnacle Bank ranks #999999 out of 1419 companies in the Banks industry.
Is Pinnacle Bank's Debt-to-Equity too high?
Pinnacle Bank's current Debt-to-Equity is 0.00. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 0.09. Based on the distribution chart, Pinnacle Bank ranks #999999 out of 1419 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Debt-to-Equity compare to PROV and BORT?
According to the Banks industry distribution chart, Pinnacle Bank ranks #999999 out of 1419 companies for Debt-to-Equity. This places Pinnacle Bank in the lower half of its industry. The industry median Debt-to-Equity is 0.58. Historically, Pinnacle Bank's own Debt-to-Equity has ranged from 0.09 to 0.09 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,419 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Pinnacle Bank and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pinnacle Bank's current Debt-to-Equity is 0.00. 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 $15.95, compared to a current price of $18.50 — trading 16% above its estimated fair value. The current Debt-to-Equity is 0.00. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Pinnacle Bank (PBNK), the current Debt-to-Equity is 0.00 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 $18.50 is trading 16% above its estimated GF Value™ of $15.95.
GuruFocus considers Pinnacle Bank to be Modestly Overvalued.
Key valuation signals for PBNK:
Debt-to-Equity: 0.00
GF Value™: $15.95 vs. price of $18.50 (16% above fair value)
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 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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