Pinnacle BankPBNK +0.27%67 FCF Margin % is 34.14% as of Dec. 2025, which is 28% above its 10-year median of 26.58. GuruFocus rates PBNK with a GF Score™ of 67/100 and a GF Value™ of $15.92 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,504 Banks companies, Pinnacle Bank ranks better than 62.83% on this metric.
The historical rank and industry rank for Pinnacle Bank's FCF Margin % or its related term are showing as below:
PBNK'
s FCF Margin % Range Over the Past 10 Years
Min: -22.76 Med: 26.58 Max: 38.1
Current: 34.14
During the past 13 years, the highest FCF Margin % of Pinnacle Bank was 38.10%. The lowest was -22.76%. And the median was 26.58%.
PBNK's FCF Margin % is ranked better than 62.83% of 1504
companies
in the Banks industry
Industry Median: 26.5
vs PBNK: 34.14
Pinnacle Bank FCF Margin % Related Terms
Pinnacle Bank FCF Margin % Historical Data
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The historical data trend for Pinnacle Bank's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Pinnacle Bank's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Pinnacle Bank's FCF Margin % 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 FCF Margin % of 34.14% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Pinnacle Bank and its competitors. This is 28% above median its historical median of 26.58. According to the industry distribution chart, Pinnacle Bank ranks #559 out of 1504 companies in the Banks industry, placing it in the top 37.2%.
Is Pinnacle Bank's FCF Margin % too high?
Pinnacle Bank's current FCF Margin % of 34.14% is 28% above median its 10-year median of 26.58. The Banks industry median FCF Margin % is 26.50. Pinnacle Bank's value of 34.14% is 28.8% above this industry median. Based on the distribution chart, Pinnacle Bank ranks #559 out of 1504 companies in the Banks industry, which is above the industry midpoint. 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 FCF Margin % compare to BSFO and PFBX?
According to the Banks industry distribution chart, Pinnacle Bank ranks #559 out of 1504 companies for FCF Margin %. This puts Pinnacle Bank in the upper half of its industry. The industry median FCF Margin % is 26.50. Pinnacle Bank's value of 34.14% is 28.8% above this benchmark. While the company's 10-year median is 26.58 vs. the industry median of 26.50, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pinnacle Bank's current FCF Margin % of 34.14% is 28.8% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Pinnacle Bank and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pinnacle Bank's current FCF Margin % is 34.14%, which is 28% above median its own 10-year median of 26.58. 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 $15.92, compared to a current price of $18.40 — trading 15.6% above its estimated fair value. The current FCF Margin % is 34.14%, which is 28% above median its 10-year median of 26.58 and 28.8% above the Banks industry median of 26.50. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Pinnacle Bank (PBNK), the current FCF Margin % is 34.14% 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 15.6% above its estimated GF Value™ of $15.92.
GuruFocus considers Pinnacle Bank to be Modestly Overvalued.
Key valuation signals for PBNK:
FCF Margin %: 34.14% (28% above median its 10-year median of 26.58)
GF Value™: $15.92 vs. price of $18.40 (15.6% above fair value)
Industry Position: 28.8% above the Banks median (#559 of 1504)
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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