PBNK (Pinnacle Bank) Margin of Safety % (DCF FCF Based): 72.03% (As of Jun. 25, 2026)


PBNK Pinnacle Bank PBNK
67 GF Score
Price $18.40
GF Value $15.92
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Pinnacle Bank Margin of Safety % (DCF FCF Based)?

Pinnacle Bank PBNK +0.27% 67 Margin of Safety % (DCF FCF Based) is 72.03% as of Jun. 25, 2026. 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.

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-25), Pinnacle Bank's Predictability Rank is 4.5-Stars. Pinnacle Bank's intrinsic value calculated from the Discounted FCF model is $19.61 and current share price is $18.40. Consequently,

Pinnacle Bank's Margin of Safety % (DCF FCF Based) using Discounted FCF model is 72.03%.

PBNK vs BSFO, PFBX, FTFI: Margin of Safety % (DCF FCF Based) Comparison

For the Banks - Regional subindustry, Pinnacle Bank's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) vs Banks Industry

For the Banks industry and Financial Services sector, Pinnacle Bank's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where Pinnacle Bank's Margin of Safety % (DCF FCF Based) falls into.


PBNK
67GF Score
Pinnacle Bank PBNK
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Pinnacle Bank Margin of Safety % (DCF FCF Based) Calculation

Pinnacle Bank's Margin of Safety % (DCF FCF Based) for today is calculated as

Margin of Safety % (DCF FCF Based)=(Intrinsic Value: DCF (FCF Based)-Current Price)/Intrinsic Value: DCF (FCF Based)
=(65.78-18.40)/65.78
=72.03 %

* 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.

The intrinsic value is calculated from the Discounted FCF model with default parameters. The calculation method is the same as Discounted Earnings model except free cash flow are used in the calculation instead of earnings per share.

What does a Margin of Safety % (DCF FCF Based) of 72.03% mean?
Pinnacle Bank (PBNK) has a Margin of Safety % (DCF FCF Based) of 72.03% as of Jun. 25, 2026. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Pinnacle Bank.
Is Pinnacle Bank's Margin of Safety % (DCF FCF Based) too high?
Pinnacle Bank's current Margin of Safety % (DCF FCF Based) is 72.03%. 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 Margin of Safety % (DCF FCF Based) compare to BSFO and PFBX?
Pinnacle Bank's Margin of Safety % (DCF FCF Based) of 72.03% 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 Margin of Safety % (DCF FCF Based) for a Banks company?
A good Margin of Safety % (DCF FCF Based) depends on the Banks industry context. However, Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) mean?
A high Margin of Safety % (DCF FCF Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Pinnacle Bank. Pinnacle Bank's current Margin of Safety % (DCF FCF Based) is 72.03%. 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 Margin of Safety % (DCF FCF Based) is 72.03%. 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 Margin of Safety % (DCF FCF Based) calculated?
Margin of Safety % (DCF FCF Based) is calculated from a company's financial statements. For Pinnacle Bank (PBNK), the current Margin of Safety % (DCF FCF Based) is 72.03% as of Jun. 25, 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 $18.40 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:

  • Margin of Safety % (DCF FCF Based): 72.03%
  • GF Value™: $15.92 vs. price of $18.40 (15.6% above fair value)
  • GF Score™: 67/100 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.
67GF Score

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Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$18.40
Price
$15.92
GF Value