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Pinnacle BankPBNK 69 Equity-to-Asset is 0.12 as of Dec. 2025, which is 20% above its 10-year median of 0.10. 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 1,521 Banks companies, Pinnacle Bank ranks better than 71.86% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Pinnacle Bank's Total Stockholders Equity for the quarter that ended in Dec. 2025 was $106.33 Mil. Pinnacle Bank's Total Assets for the quarter that ended in Dec. 2025 was $890.36 Mil.
Therefore, Pinnacle Bank's Equity to Asset Ratio for the quarter that ended in Dec. 2025 was 0.12.
The historical rank and industry rank for Pinnacle Bank's Equity-to-Asset or its related term are showing as below:
PBNK'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.09 Med: 0.1 Max: 0.13
Current: 0.12
During the past 13 years, the highest Equity to Asset Ratio of Pinnacle Bank was 0.13. The lowest was 0.09. And the median was 0.10.
PBNK's Equity-to-Asset is ranked better than 71.86% of 1521
companies
in the Banks industry
Industry Median: 0.1
vs PBNK: 0.12
Pinnacle Bank (OTCPK:PBNK) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Pinnacle Bank Equity-to-Asset Related Terms
Pinnacle Bank Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Pinnacle Bank's Equity-to-Asset 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: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Pinnacle Bank's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Pinnacle Bank's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Pinnacle Bank's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Pinnacle Bank's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.12 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Pinnacle Bank and its competitors. This is 20% above median its historical median of 0.10. Over the past decade, Pinnacle Bank's Equity-to-Asset has ranged from 0.09 to 0.13. According to the industry distribution chart, Pinnacle Bank ranks #428 out of 1521 companies in the Banks industry, placing it in the top 28.1%.
Is Pinnacle Bank's Equity-to-Asset too high?
Pinnacle Bank's current Equity-to-Asset of 0.12 is 20% above median its 10-year median of 0.10. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 0.13. The Banks industry median Equity-to-Asset is 0.10. Pinnacle Bank's value of 0.12 is 20% above this industry median. Based on the distribution chart, Pinnacle Bank ranks #428 out of 1521 companies in the Banks industry, which is above the industry midpoint. 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 Equity-to-Asset compare to PTBS and TYBT?
According to the Banks industry distribution chart, Pinnacle Bank ranks #428 out of 1521 companies for Equity-to-Asset. This puts Pinnacle Bank in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Pinnacle Bank's value of 0.12 is 20% above this benchmark. Historically, Pinnacle Bank's own Equity-to-Asset has ranged from 0.09 to 0.13 over the past decade. While the company's 10-year median is 0.10 vs. the industry median of 0.10, Pinnacle Bank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,521 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pinnacle Bank's current Equity-to-Asset of 0.12 is 20% above 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Pinnacle Bank and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pinnacle Bank's current Equity-to-Asset is 0.12, which is 20% above median its own 10-year median of 0.10. 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 $18.45 — trading 15.5% above its estimated fair value. The current Equity-to-Asset is 0.12, which is 20% above median its 10-year median of 0.10 and 20% above the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Pinnacle Bank (PBNK), the current Equity-to-Asset is 0.12 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 $18.45 is trading 15.5% above its estimated GF Value™ of $15.97.
GuruFocus considers Pinnacle Bank to be Modestly Overvalued.
Key valuation signals for PBNK:
Equity-to-Asset: 0.12 (20% above median its 10-year median of 0.10)
GF Value™: $15.97 vs. price of $18.45 (15.5% above fair value)
Industry Position: 20% above the Banks median (#428 of 1521)
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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