Pinnacle BankPBNK 67 PB Ratio is 1.00 as of Jul. 01, 2026, which is 9% below its 10-year median of 1.10. GuruFocus rates PBNK with a GF Score™ of 67/100 and a GF Value™ of $15.93 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,517 Banks companies, Pinnacle Bank ranks better than 58.08% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-07-01), Pinnacle Bank's share price is $17.90. Pinnacle Bank's Book Value per Share for the quarter that ended in Dec. 2025 was $17.93. Hence, Pinnacle Bank's PB Ratio of today is 1.00.
The historical rank and industry rank for Pinnacle Bank's PB Ratio or its related term are showing as below:
PBNK'
s PB Ratio Range Over the Past 10 Years
Min: 0.6 Med: 1.1 Max: 1.69
Current: 1
During the past 13 years, Pinnacle Bank's highest PB Ratio was 1.69. The lowest was 0.60. And the median was 1.10.
PBNK's PB Ratio is ranked better than 58.08% of 1517
companies
in the Banks industry
Industry Median: 1.09
vs PBNK: 1.00
During the past 12 months, Pinnacle Bank's average Book Value Per Share Growth Rate was 6.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 10.30% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 10.50% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 10.70% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Pinnacle Bank was 12.50% per year. The lowest was 7.30% per year. And the median was 9.85% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Pinnacle Bank PB Ratio Related Terms
Pinnacle Bank PB Ratio Historical Data
* Premium members only.
The historical data trend for Pinnacle Bank's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Pinnacle Bank's PB Ratio distribution charts can be found below:
* The bar in red indicates where Pinnacle Bank's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
Pinnacle Bank's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Pinnacle Bank (PBNK) has a PB Ratio of 1.00 as of Jul. 01, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Pinnacle Bank and its competitors. This is near median its historical median of 1.10. Over the past decade, Pinnacle Bank's PB Ratio has ranged from 0.60 to 1.69. According to the industry distribution chart, Pinnacle Bank ranks #636 out of 1517 companies in the Banks industry, placing it in the top 41.9%.
Is Pinnacle Bank's PB Ratio too high?
Pinnacle Bank's current PB Ratio of 1.00 is near median its 10-year median of 1.10. Over the past 10 years, this metric has ranged from a low of 0.60 to a high of 1.69. The Banks industry median PB Ratio is 1.09. Pinnacle Bank's value of 1.00 is 8.3% below this industry median. Based on the distribution chart, Pinnacle Bank ranks #636 out of 1517 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 PB Ratio compare to OXBC and RVSB?
According to the Banks industry distribution chart, Pinnacle Bank ranks #636 out of 1517 companies for PB Ratio. This puts Pinnacle Bank in the upper half of its industry. The industry median PB Ratio is 1.09. Pinnacle Bank's value of 1.00 is 8.3% below this benchmark. Historically, Pinnacle Bank's own PB Ratio has ranged from 0.60 to 1.69 over the past decade. While the company's 10-year median is 1.10 vs. the industry median of 1.09, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.09, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pinnacle Bank's current PB Ratio of 1.00 is 8.3% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Pinnacle Bank and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pinnacle Bank's current PB Ratio is 1.00, which is near median its own 10-year median of 1.10. 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 $17.90 — trading 12.4% above its estimated fair value. The current PB Ratio is 1.00, which is near median its 10-year median of 1.10 and 8.3% below the Banks industry median of 1.09. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Pinnacle Bank (PBNK), the current PB Ratio is 1.00 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 $17.90 is trading 12.4% above its estimated GF Value™ of $15.93.
GuruFocus considers Pinnacle Bank to be Modestly Overvalued.
Key valuation signals for PBNK:
PB Ratio: 1.00 (near median its 10-year median of 1.10)
GF Value™: $15.93 vs. price of $17.90 (12.4% above fair value)
Industry Position: 8.3% below the Banks median (#636 of 1517)
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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