PBNK (Pinnacle Bank) ROC (Joel Greenblatt) %: % (As of Dec. 2025)

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Director of Data and Quant Analytics at GuruFocus
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Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

PBNK Pinnacle Bank PBNK
68 GF Score
Price $17.65
GF Value $15.93
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Pinnacle Bank ROC (Joel Greenblatt) %?

Pinnacle Bank PBNK +0.28% 68 ROC (Joel Greenblatt) % is % as of Dec. 2025. GuruFocus rates PBNK with a GF Score™ of 68/100 and a GF Value™ of $15.93 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 46 Banks companies, Pinnacle Bank ranks worse than 2173910.87% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

PBNK
68GF Score
Pinnacle Bank PBNK
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
Pinnacle Bank (PBNK) has a ROC (Joel Greenblatt) % of % as of Dec. 2025. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Pinnacle Bank and its competitors. According to the industry distribution chart, Pinnacle Bank ranks #999999 out of 46 companies in the Banks industry.
Is Pinnacle Bank's ROC (Joel Greenblatt) % too high?
Pinnacle Bank's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Pinnacle Bank ranks #999999 out of 46 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 Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pinnacle Bank's ROC (Joel Greenblatt) % compare to OXBC and RVSB?
According to the Banks industry distribution chart, Pinnacle Bank ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places Pinnacle Bank in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 63.39. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 63.39, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Pinnacle Bank and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 63.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pinnacle Bank's current ROC (Joel Greenblatt) % is %. 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 $17.65 — trading 10.8% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Pinnacle Bank (PBNK), the current ROC (Joel Greenblatt) % is % 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 $17.65 is trading 10.8% above its estimated GF Value™ of $15.93. GuruFocus considers Pinnacle Bank to be Modestly Overvalued.

Key valuation signals for PBNK:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $15.93 vs. price of $17.65 (10.8% above fair value)
  • GF Score™: 68/100 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.
68GF Score

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ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.65
Price
$15.93
GF Value