PBNK (Pinnacle Bank) Long-Term Debt: $0.00 Mil (As of Dec. 2025)


PBNK Pinnacle Bank PBNK
68 GF Score
Price $17.65
GF Value $15.93
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Pinnacle Bank Long-Term Debt?

Pinnacle Bank PBNK +0.28% 68 Long-Term Debt is $0.00 Mil as of Dec. 2025. GuruFocus rates PBNK with a GF Score™ of 68/100 and a GF Value™ of $15.93 (Modestly Overvalued). The stock has 4 warning signs investors should review.

Pinnacle Bank's Long-Term Debt for the quarter that ended in Dec. 2025 was $0.00 Mil.

Pinnacle Bank  (OTCPK:PBNK) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

Pinnacle Bank Long-Term Debt Related Terms

Pinnacle Bank Long-Term Debt Historical Data

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The historical data trend for Pinnacle Bank's Long-Term Debt 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.

Pinnacle Bank Long-Term Debt Chart

Pinnacle Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

Pinnacle Bank Semi-Annual Data
Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00
PBNK
68GF Score
Pinnacle Bank PBNK
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of $0.00 Mil mean?
Pinnacle Bank (PBNK) has a Long-Term Debt of $0.00 Mil as of Dec. 2025.
Is Pinnacle Bank's Long-Term Debt too high?
Pinnacle Bank's current Long-Term Debt is $0.00 Mil. Overall, Pinnacle Bank has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pinnacle Bank's Long-Term Debt compare to OXBC and RVSB?
Pinnacle Bank's Long-Term Debt of $0.00 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Long-Term Debt for a Banks company?
A good Long-Term Debt depends on the Banks industry context. However, Long-Term Debt 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 Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. Pinnacle Bank's current Long-Term Debt is $0.00 Mil. 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 $17.65 — trading 10.8% above its estimated fair value. The current Long-Term Debt is $0.00 Mil. Pinnacle Bank's overall GF Score™ is 68/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For Pinnacle Bank (PBNK), the current Long-Term Debt is $0.00 Mil 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 $17.65 is trading 10.8% above its estimated GF Value™ of $15.93. GuruFocus considers Pinnacle Bank to be Modestly Overvalued.

Key valuation signals for PBNK:

  • Long-Term Debt: $0.00 Mil
  • GF Value™: $15.93 vs. price of $17.65 (10.8% above fair value)
  • GF Score™: 68/100 with 4 warning signs

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 Business Description

Address 7597 Monterey Street, Gilroy, CA, USA, 95020
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.
68GF Score

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Long-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.65
Price
$15.93
GF Value