Pinnacle BankPBNK 68 Return-on-Tangible-Equity is 5.31% as of Dec. 2025, which is 50% below its 10-year median of 10.66. GuruFocus rates PBNK with a GF Score™ of 68/100 and a GF Value™ of $15.93 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,523 Banks companies, Pinnacle Bank ranks worse than 82.07% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Pinnacle Bank's annualized net income for the quarter that ended in Dec. 2025 was $5.45 Mil. Pinnacle Bank's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $102.65 Mil. Therefore, Pinnacle Bank's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 5.31%.
The historical rank and industry rank for Pinnacle Bank's Return-on-Tangible-Equity or its related term are showing as below:
PBNK'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 5.31 Med: 10.66 Max: 14.57
Current: 5.31
During the past 13 years, Pinnacle Bank's highest Return-on-Tangible-Equity was 14.57%. The lowest was 5.31%. And the median was 10.66%.
PBNK's Return-on-Tangible-Equity is ranked worse than 82.07% of 1523
companies
in the Banks industry
Industry Median: 11.19
vs PBNK: 5.31
Pinnacle Bank (OTCPK:PBNK) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Pinnacle Bank Return-on-Tangible-Equity Related Terms
Pinnacle Bank Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Pinnacle Bank's Return-on-Tangible-Equity 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.
PBNK vs OXBC, RVSB, PROV: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Pinnacle Bank's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Pinnacle Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Pinnacle Bank's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is one times the annual (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 5.31% mean?
Pinnacle Bank (PBNK) has a Return-on-Tangible-Equity of 5.31% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Pinnacle Bank and its competitors. This is 50% below median its historical median of 10.66. Over the past decade, Pinnacle Bank's Return-on-Tangible-Equity has ranged from 5.31 to 14.57. According to the industry distribution chart, Pinnacle Bank ranks #1250 out of 1523 companies in the Banks industry, placing it in the top 82.1%.
Is Pinnacle Bank's Return-on-Tangible-Equity too high?
Pinnacle Bank's current Return-on-Tangible-Equity of 5.31% is 50% below median its 10-year median of 10.66. Over the past 10 years, this metric has ranged from a low of 5.31 to a high of 14.57. The Banks industry median Return-on-Tangible-Equity is 11.19. Pinnacle Bank's value of 5.31% is 52.5% below this industry median. Based on the distribution chart, Pinnacle Bank ranks #1250 out of 1523 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Pinnacle Bank has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Pinnacle Bank's Return-on-Tangible-Equity compare to OXBC and RVSB?
According to the Banks industry distribution chart, Pinnacle Bank ranks #1250 out of 1523 companies for Return-on-Tangible-Equity. This places Pinnacle Bank in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.19. Pinnacle Bank's value of 5.31% is 52.5% below this benchmark. Historically, Pinnacle Bank's own Return-on-Tangible-Equity has ranged from 5.31 to 14.57 over the past decade. While the company's 10-year median is 10.66 vs. the industry median of 11.19, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.19, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pinnacle Bank's current Return-on-Tangible-Equity of 5.31% is 52.5% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Pinnacle Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pinnacle Bank's current Return-on-Tangible-Equity is 5.31%, which is 50% below median its own 10-year median of 10.66. 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 Fairly Valued. The stock's GF Value™ is $15.93, compared to a current price of $17.60 — trading 10.5% above its estimated fair value. The current Return-on-Tangible-Equity is 5.31%, which is 50% below median its 10-year median of 10.66 and 52.5% below the Banks industry median of 11.19. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Pinnacle Bank (PBNK), the current Return-on-Tangible-Equity is 5.31% 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 $17.60 is trading 10.5% above its estimated GF Value™ of $15.93.
GuruFocus considers Pinnacle Bank to be Fairly Valued.
Key valuation signals for PBNK:
Return-on-Tangible-Equity: 5.31% (50% below median its 10-year median of 10.66)
GF Value™: $15.93 vs. price of $17.60 (10.5% above fair value)
Industry Position: 52.5% below the Banks median (#1250 of 1523)
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.
68GF Score
Get the complete analysis for PBNK
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PBNK has been successfully added to your 
