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Pinnacle BankPBNK +0.27%69 Earnings per Share (Diluted) is $0.91 as of Dec. 2025. GuruFocus rates PBNK with a GF Score™ of 69/100 and a GF Value™ of $15.97 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,405 Banks companies, Pinnacle Bank ranks worse than 90.32% on this metric.
Pinnacle Bank's EPS (Basic) for the
six
months ended in Dec. 2025 was $0.92.
Its EPS (Basic) for the trailing twelve months (TTM) ended in Dec. 2025 was $0.92.
During the past 12 months, Pinnacle Bank's average EPS without NRIGrowth Rate was -37.40% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was -15.00% per year.
During the past 5 years, the average EPS without NRIGrowth Rate was 4.60% per year.
During the past 10 years, the average EPS without NRIGrowth Rate was 14.10% per year.
During the past 13 years, Pinnacle Bank's highest 3-Year average EPS without NRI Growth Rate was 63.80% per year. The lowest was -30.50% per year. And the median was 9.90% per year.
Pinnacle Bank (OTCPK:PBNK) Earnings per Share (Diluted) Explanation
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
Pinnacle Bank Earnings per Share (Diluted) Related Terms
Pinnacle Bank Earnings per Share (Diluted) Historical Data
* Premium members only.
The historical data trend for Pinnacle Bank's Earnings per Share (Diluted) 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 PTBS, TYBT, FNWB: Earnings per Share (Diluted) Comparison
For the Banks - Regional subindustry, Pinnacle Bank's PE Ratio, along with its competitors' market caps and PE Ratio 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 PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Pinnacle Bank's PE Ratio distribution charts can be found below:
* The bar in red indicates where Pinnacle Bank's PE Ratio falls into.
Pinnacle Bank Earnings per Share (Diluted) Calculation
Earnings Per Share (EPS) is the amount of earnings per outstanding share of the company's stock. In calculating earnings per share, the dividends of preferred stocks need to subtracted from the total net income first.
Pinnacle Bank's Earnings Per Share (Diluted) for the fiscal year that ended in Dec. 2025 is calculated as
For stock reported annually, GuruFocus uses latest annual data as the TTM data. Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $0.91
* 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.
Companies also reported diluted shares in their financial reports. Diluted shares include the shares of convertibles or warrants outstanding.
What does a Earnings per Share (Diluted) of $0.91 mean?
Pinnacle Bank (PBNK) has a Earnings per Share (Diluted) of $0.91 as of Dec. 2025. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Pinnacle Bank and its competitors. According to the industry distribution chart, Pinnacle Bank ranks #1269 out of 1405 companies in the Banks industry, placing it in the top 90.3%.
Is Pinnacle Bank's Earnings per Share (Diluted) too high?
Pinnacle Bank's current Earnings per Share (Diluted) is $0.91. The Banks industry median Earnings per Share (Diluted) is 7.50. Pinnacle Bank's value of $0.91 is 87.9% below this industry median. Based on the distribution chart, Pinnacle Bank ranks #1269 out of 1405 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Pinnacle Bank has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pinnacle Bank's Earnings per Share (Diluted) compare to PTBS and TYBT?
According to the Banks industry distribution chart, Pinnacle Bank ranks #1269 out of 1405 companies for Earnings per Share (Diluted). This places Pinnacle Bank in the lower half of its industry. The industry median Earnings per Share (Diluted) is 7.50. Pinnacle Bank's value of $0.91 is 87.9% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings per Share (Diluted) for a Banks company?
The median Earnings per Share (Diluted) among Banks companies is 7.50, based on 1,405 companies in the industry. Companies in the top quartile (top 25%) have a Earnings per Share (Diluted) significantly above this median, while those in the bottom quartile fall well below. However, Earnings per Share (Diluted) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pinnacle Bank's current Earnings per Share (Diluted) of $0.91 is 87.9% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Earnings per Share (Diluted) mean?
A high Earnings per Share (Diluted) can signal that a stock is expensive relative to its fundamentals. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Pinnacle Bank and its competitors. For the Banks industry, the median Earnings per Share (Diluted) is 7.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pinnacle Bank's current Earnings per Share (Diluted) is $0.91. 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 $15.97, compared to a current price of $18.40 — trading 15.2% above its estimated fair value. The current Earnings per Share (Diluted) is $0.91 and 87.9% below the Banks industry median of 7.50. Pinnacle Bank's overall GF Score™ is 69/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings per Share (Diluted) calculated?
Earnings per Share (Diluted) is calculated from a company's financial statements. For Pinnacle Bank (PBNK), the current Earnings per Share (Diluted) is $0.91 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 $18.40 is trading 15.2% above its estimated GF Value™ of $15.97.
GuruFocus considers Pinnacle Bank to be Modestly Overvalued.
Key valuation signals for PBNK:
Earnings per Share (Diluted): $0.91
GF Value™: $15.97 vs. price of $18.40 (15.2% above fair value)
Industry Position: 87.9% below the Banks median (#1269 of 1405)
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.
69GF Score
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