Pinnacle BankPBNK +1.24%67 PEG Ratio is 1.85 as of Jul. 02, 2026, which is 101% above its 10-year median of 0.92. 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 1,228 Banks companies, Pinnacle Bank ranks worse than 57.25% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
PEG Ratio is defined as the PE Ratio without NRI divided by the growth ratio. The growth rate we use for banks is the 5-Year Book Value growth rate. As of today, Pinnacle Bank's PE Ratio without NRI is 19.44. Pinnacle Bank's 5-Year Book Value growth rate is 10.50%. Therefore, Pinnacle Bank's PEG Ratio for today is 1.85.
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Pinnacle Bank's PEG Ratio or its related term are showing as below:
PBNK'
s PEG Ratio Range Over the Past 10 Years
Min: 0.59 Med: 0.92 Max: 1.97
Current: 1.85
During the past 13 years, Pinnacle Bank's highest PEG Ratio was 1.97. The lowest was 0.59. And the median was 0.92.
PBNK's PEG Ratio is ranked worse than 57.25% of 1228
companies
in the Banks industry
Industry Median: 1.51
vs PBNK: 1.85
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Pinnacle Bank (OTCPK:PBNK) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Pinnacle Bank PEG Ratio Related Terms
Pinnacle Bank PEG Ratio Historical Data
* Premium members only.
The historical data trend for Pinnacle Bank's PEG 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 PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Pinnacle Bank's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Pinnacle Bank's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Pinnacle Bank (PBNK) has a PEG Ratio of 1.85 as of Jul. 02, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Pinnacle Bank and its competitors. This is 101% above median its historical median of 0.92. Over the past decade, Pinnacle Bank's PEG Ratio has ranged from 0.59 to 1.97. According to the industry distribution chart, Pinnacle Bank ranks #703 out of 1228 companies in the Banks industry, placing it in the top 57.2%.
Is Pinnacle Bank's PEG Ratio too high?
Pinnacle Bank's current PEG Ratio of 1.85 is 101% above median its 10-year median of 0.92. Over the past 10 years, this metric has ranged from a low of 0.59 to a high of 1.97. The Banks industry median PEG Ratio is 1.51. Pinnacle Bank's value of 1.85 is 22.5% above this industry median. Based on the distribution chart, Pinnacle Bank ranks #703 out of 1228 companies in the Banks industry, which is below 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 PEG Ratio compare to OXBC and RVSB?
According to the Banks industry distribution chart, Pinnacle Bank ranks #703 out of 1228 companies for PEG Ratio. This places Pinnacle Bank in the lower half of its industry. The industry median PEG Ratio is 1.51. Pinnacle Bank's value of 1.85 is 22.5% above this benchmark. Historically, Pinnacle Bank's own PEG Ratio has ranged from 0.59 to 1.97 over the past decade. While the company's 10-year median is 0.92 vs. the industry median of 1.51, 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.51, based on 1,228 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pinnacle Bank's current PEG Ratio of 1.85 is 22.5% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Pinnacle Bank and its competitors. For the Banks industry, the median PEG Ratio is 1.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pinnacle Bank's current PEG Ratio is 1.85, which is 101% above median its own 10-year median of 0.92. 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 $18.12 — trading 13.8% above its estimated fair value. The current PEG Ratio is 1.85, which is 101% above median its 10-year median of 0.92 and 22.5% above the Banks industry median of 1.51. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Pinnacle Bank (PBNK), the current PEG Ratio is 1.85 as of Jul. 02, 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 $18.12 is trading 13.8% above its estimated GF Value™ of $15.93.
GuruFocus considers Pinnacle Bank to be Modestly Overvalued.
Key valuation signals for PBNK:
PEG Ratio: 1.85 (101% above median its 10-year median of 0.92)
GF Value™: $15.93 vs. price of $18.12 (13.8% above fair value)
Industry Position: 22.5% above the Banks median (#703 of 1228)
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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