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EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Pinnacle Bank's Enterprise Value is $-87.69 Mil.
Pinnacle Bank's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $12.74 Mil. Therefore, Pinnacle Bank's EV-to-OCF for today is -6.88.
The historical rank and industry rank for Pinnacle Bank's EV-to-OCF or its related term are showing as below:
PBNK'
s EV-to-OCF Range Over the Past 10 Years
Min: -21.35 Med: -1.61 Max: 5.49
Current: -6.88
During the past 13 years, the highest EV-to-OCF of Pinnacle Bank was 5.49. The lowest was -21.35. And the median was -1.61.
PBNK's EV-to-OCF is ranked better than 85.92% of 1492
companies
in the Banks industry
Industry Median: 3.865
vs PBNK: -6.88
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Pinnacle Bank's PE Ratio (TTM) for today is calculated as:
Pinnacle Bank's share price for today is $18.20.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Pinnacle Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $0.910.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Pinnacle Bank EV-to-OCF Related Terms
Pinnacle Bank EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Pinnacle Bank's EV-to-OCF 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.
For the Banks - Regional subindustry, Pinnacle Bank's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Pinnacle Bank's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Pinnacle Bank's EV-to-OCF falls into.
Pinnacle Bank's current Enterprise Value is $-87.69 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Pinnacle Bank's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $12.74 Mil.
* 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 EV-to-OCF of -6.88 as of Aug. 26, 2026. According to the industry distribution chart, Pinnacle Bank ranks #210 out of 1492 companies in the Banks industry, placing it in the top 14.1%.
Is Pinnacle Bank's EV-to-OCF too high?
Pinnacle Bank's current EV-to-OCF is -6.88. Based on the distribution chart, Pinnacle Bank ranks #210 out of 1492 companies in the Banks industry, which is in the top quartile — a strong position 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 EV-to-OCF compare to PROV and BORT?
According to the Banks industry distribution chart, Pinnacle Bank ranks #210 out of 1492 companies for EV-to-OCF. This places Pinnacle Bank in the top 14% of its industry — outperforming the majority of peers. The industry median EV-to-OCF is 3.87. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.87, based on 1,492 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pinnacle Bank's current EV-to-OCF is -6.88. 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 $15.96, compared to a current price of $18.20 — trading 14% above its estimated fair value. The current EV-to-OCF is -6.88. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Pinnacle Bank (PBNK), the current EV-to-OCF is -6.88 as of Aug. 26, 2026. 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 $18.20 is trading 14% above its estimated GF Value™ of $15.96.
GuruFocus considers Pinnacle Bank to be Modestly Overvalued.
Key valuation signals for PBNK:
EV-to-OCF: -6.88
GF Value™: $15.96 vs. price of $18.20 (14% 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.
69GF Score
Get the complete analysis for PBNK
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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