EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Pinnacle Bank's Enterprise Value is $-88.15 Mil.
Pinnacle Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $12.63 Mil. Therefore, Pinnacle Bank's EV-to-FCF for today is -6.98.
The historical rank and industry rank for Pinnacle Bank's EV-to-FCF or its related term are showing as below:
PBNK'
s EV-to-FCF Range Over the Past 10 Years
Min: -54.77 Med: -0.97 Max: 3.15
Current: -6.98
During the past 13 years, the highest EV-to-FCF of Pinnacle Bank was 3.15. The lowest was -54.77. And the median was -0.97.
PBNK's EV-to-FCF is ranked better than 96.4% of 1194
companies
in the Banks industry
Industry Median: 6.565
vs PBNK: -6.98
EV-to-FCF 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-FCF 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 $18.1225.
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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Pinnacle Bank EV-to-FCF Related Terms
Pinnacle Bank EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Pinnacle Bank's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Pinnacle Bank's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Pinnacle Bank's EV-to-FCF falls into.
Pinnacle Bank's current Enterprise Value is $-88.15 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Pinnacle Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $12.63 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-FCF of -6.98 as of Jul. 01, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Pinnacle Bank and its competitors. According to the industry distribution chart, Pinnacle Bank ranks #43 out of 1194 companies in the Banks industry, placing it in the top 3.6%.
Is Pinnacle Bank's EV-to-FCF too high?
Pinnacle Bank's current EV-to-FCF is -6.98. Based on the distribution chart, Pinnacle Bank ranks #43 out of 1194 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 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pinnacle Bank's EV-to-FCF compare to OXBC and RVSB?
According to the Banks industry distribution chart, Pinnacle Bank ranks #43 out of 1194 companies for EV-to-FCF. This places Pinnacle Bank in the top 4% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 6.57. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,194 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Pinnacle Bank and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pinnacle Bank's current EV-to-FCF is -6.98. 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 $15.93, compared to a current price of $18.12 — trading 13.8% above its estimated fair value. The current EV-to-FCF is -6.98. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Pinnacle Bank (PBNK), the current EV-to-FCF is -6.98 as of Jul. 01, 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 $18.12 is trading 13.8% above its estimated GF Value™ of $15.93.
GuruFocus considers Pinnacle Bank to be Modestly Overvalued.
Key valuation signals for PBNK:
EV-to-FCF: -6.98
GF Value™: $15.93 vs. price of $18.12 (13.8% 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
Get the complete analysis for PBNK
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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