PBNK (Pinnacle Bank) Tariff Resilience Score: 8/10 (As of Jul. 05, 2026)


PBNK Pinnacle Bank PBNK
67 GF Score
Price $18.12
GF Value $15.93
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Pinnacle Bank Tariff Resilience Score?

Pinnacle Bank PBNK 67 Tariff Resilience Score is 8 as of Jul. 05, 2026. 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 1,608 Banks companies, Pinnacle Bank ranks better than 78.86% on this metric.

Pinnacle Bank has the Tariff Resilience Score of 8, which implies that the company might have Highly Resilient.

Pinnacle Bank has Low exposure due to focus on domestic banking services. Minimal direct impact from tariffs. Revenue is primarily domestic. Historical tariffs have had negligible effects.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes Pinnacle Bank might have Highly Resilient.

Pinnacle Bank  (OTCPK:PBNK) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

Pinnacle Bank Tariff Resilience Score Related Terms

PBNK vs OXBC, RVSB, PROV: Tariff Resilience Score Comparison

For the Banks - Regional subindustry, Pinnacle Bank's Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience Score 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 Tariff Resilience Score vs Banks Industry

For the Banks industry and Financial Services sector, Pinnacle Bank's Tariff Resilience Score distribution charts can be found below:

* The bar in red indicates where Pinnacle Bank's Tariff Resilience Score falls into.


PBNK
67GF Score
Pinnacle Bank PBNK
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 8 mean?
Pinnacle Bank (PBNK) has a Tariff Resilience Score of 8 as of Jul. 05, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, Pinnacle Bank ranks #340 out of 1608 companies in the Banks industry, placing it in the top 21.1%.
Is Pinnacle Bank's Tariff Resilience Score too high?
Pinnacle Bank's current Tariff Resilience Score is 8. Based on the distribution chart, Pinnacle Bank ranks #340 out of 1608 companies in the Banks industry, which is in the top quartile — a strong position 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 Tariff Resilience Score compare to OXBC and RVSB?
According to the Banks industry distribution chart, Pinnacle Bank ranks #340 out of 1608 companies for Tariff Resilience Score. This places Pinnacle Bank in the top 21% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience Score 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. Pinnacle Bank's current Tariff Resilience Score is 8. 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 Tariff Resilience Score is 8. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For Pinnacle Bank (PBNK), the current Tariff Resilience Score is 8 as of Jul. 05, 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:

  • Tariff Resilience Score: 8
  • GF Value™: $15.93 vs. price of $18.12 (13.8% above fair value)
  • GF Score™: 67/100 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.
67GF Score

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Tariff Resilience Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$18.12
Price
$15.93
GF Value