Pinnacle BankPBNK +0.27%67 Net Margin % is 14.74% as of Dec. 2025, which is 36% below its 10-year median of 23.19. 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 1,526 Banks companies, Pinnacle Bank ranks worse than 81.78% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Pinnacle Bank's Net Income for the
six
months ended in Dec. 2025 was $5.45 Mil. Pinnacle Bank's Revenue for the
six
months ended in Dec. 2025 was $36.98 Mil. Therefore, Pinnacle Bank's net margin for the quarter that ended in Dec. 2025 was 14.74%.
The historical rank and industry rank for Pinnacle Bank's Net Margin % or its related term are showing as below:
PBNK'
s Net Margin % Range Over the Past 10 Years
Min: 14.74 Med: 23.19 Max: 28.52
Current: 14.74
PBNK's Net Margin % is ranked worse than 81.78% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs PBNK: 14.74
Pinnacle Bank (OTCPK:PBNK) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Pinnacle Bank Net Margin % Related Terms
Pinnacle Bank Net Margin % Historical Data
* Premium members only.
The historical data trend for Pinnacle Bank's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Pinnacle Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Pinnacle Bank's Net 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 Net Margin % of 14.74% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Pinnacle Bank and its competitors. This is 36% below median its historical median of 23.19. Over the past decade, Pinnacle Bank's Net Margin % has ranged from 14.74 to 28.52. According to the industry distribution chart, Pinnacle Bank ranks #1248 out of 1526 companies in the Banks industry, placing it in the top 81.8%.
Is Pinnacle Bank's Net Margin % too high?
Pinnacle Bank's current Net Margin % of 14.74% is 36% below median its 10-year median of 23.19. Over the past 10 years, this metric has ranged from a low of 14.74 to a high of 28.52. The Banks industry median Net Margin % is 26.97. Pinnacle Bank's value of 14.74% is 45.3% below this industry median. Based on the distribution chart, Pinnacle Bank ranks #1248 out of 1526 companies in the Banks industry, which is in the bottom quartile 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 Net Margin % compare to BSFO and PFBX?
According to the Banks industry distribution chart, Pinnacle Bank ranks #1248 out of 1526 companies for Net Margin %. This places Pinnacle Bank in the lower half of its industry. The industry median Net Margin % is 26.97. Pinnacle Bank's value of 14.74% is 45.3% below this benchmark. Historically, Pinnacle Bank's own Net Margin % has ranged from 14.74 to 28.52 over the past decade. While the company's 10-year median is 23.19 vs. the industry median of 26.97, Pinnacle Bank has consistently been below 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pinnacle Bank's current Net Margin % of 14.74% is 45.3% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Pinnacle Bank and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pinnacle Bank's current Net Margin % is 14.74%, which is 36% below median its own 10-year median of 23.19. 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 Net Margin % is 14.74%, which is 36% below median its 10-year median of 23.19 and 45.3% below the Banks industry median of 26.97. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Pinnacle Bank (PBNK), the current Net Margin % is 14.74% 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:
Net Margin %: 14.74% (36% below median its 10-year median of 23.19)
GF Value™: $15.92 vs. price of $18.40 (15.6% above fair value)
Industry Position: 45.3% below the Banks median (#1248 of 1526)
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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