PBNK (Pinnacle Bank) Asset Turnover: 0.04 (As of Dec. 2025)


PBNK Pinnacle Bank PBNK
67 GF Score
Price $18.45
GF Value $15.92
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Pinnacle Bank Asset Turnover?

Pinnacle Bank PBNK +0.27% 67 Asset Turnover is 0.04 as of Dec. 2025. GuruFocus rates PBNK with a GF Score™ of 67/100 and a GF Value™ of $15.92 (Modestly Overvalued). The stock has 4 warning signs investors should review.

Asset Turnover measures how quickly a company turns over its asset through sales. It is calculated as Revenue divided by Total Assets. Pinnacle Bank's Revenue for the six months ended in Dec. 2025 was $36.98 Mil. Pinnacle Bank's Total Assets for the quarter that ended in Dec. 2025 was $868.60 Mil. Therefore, Pinnacle Bank's Asset Turnover for the quarter that ended in Dec. 2025 was 0.04.

Asset Turnover is linked to ROE % through Du Pont Formula. Pinnacle Bank's annualized ROE % for the quarter that ended in Dec. 2025 was 10.62%. It is also linked to ROA % through Du Pont Formula. Pinnacle Bank's annualized ROA % for the quarter that ended in Dec. 2025 was 1.25%.

Pinnacle Bank  (OTCPK:PBNK) Asset Turnover Explanation

Asset Turnover is linked to ROE % through Du Pont Formula.

Pinnacle Bank's annulized ROE % for the quarter that ended in Dec. 2025 is

ROE %**(Q: Dec. 2025 )
=Net Income/Total Stockholders Equity
=10.9/102.6515
=(Net Income / Revenue)*(Revenue / Total Assets)*(Total Assets / Total Stockholders Equity)
=(10.9 / 73.954)*(73.954 / 868.6015)*(868.6015/ 102.6515)
=Net Margin %*Asset Turnover*Equity Multiplier
=14.74 %*0.0851*8.4617
=ROA %*Equity Multiplier
=1.25 %*8.4617
=10.62 %

Note: The Net Income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data.

* 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.

** The ROE % used above is for Du Pont Analysis only. It is different from the defined ROE % page on our website, as here it uses Net Income instead of Net Income attributable to Common Stockholders in the calculation.

It is also linked to ROA % through Du Pont Formula:

Pinnacle Bank's annulized ROA % for the quarter that ended in Dec. 2025 is

ROA %(Q: Dec. 2025 )
=Net Income/Total Assets
=10.9/868.6015
=(Net Income / Revenue)*(Revenue / Total Assets)
=(10.9 / 73.954)*(73.954 / 868.6015)
=Net Margin %*Asset Turnover
=14.74 %*0.0851
=1.25 %

Note: The Net Income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data.

* 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.

Be Aware

In the article Joining The Dark Side: Pirates, Spies and Short Sellers, James Montier reported that In their US sample covering the period 1968-2003, Cooper et al find that firms with low asset growth outperformed firms with high asset growth by an astounding 20% p.a. equally weighted. Even when controlling for market, size and style, low asset growth firms outperformed high asset growth firms by 13% p.a. Therefore a company with fast asset growth may underperform.

Therefore, it is a good sign if a company's Asset Turnover is consistent or even increases. If a company's asset grows faster than sales, its Asset Turnover will decline, which can be a warning sign.

Pinnacle Bank Asset Turnover Related Terms

Pinnacle Bank Asset Turnover Historical Data

* Premium members only.

The historical data trend for Pinnacle Bank's Asset Turnover 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.

Pinnacle Bank Asset Turnover Chart

Pinnacle Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Asset Turnover
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.05 0.04 0.05 0.05 0.04

Pinnacle Bank Semi-Annual Data
Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Asset Turnover Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.05 0.04 0.05 0.05 0.04

PBNK vs BSFO, PFBX, FTFI: Asset Turnover Comparison

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

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

* The bar in red indicates where Pinnacle Bank's Asset Turnover falls into.


PBNK
67GF Score
Pinnacle Bank PBNK
Asset Turnover is just one metric. See GF Score™, valuation, warning signs, and more.
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Pinnacle Bank Asset Turnover Calculation

Asset Turnover measures how quickly a company turns over its asset through sales.

Pinnacle Bank's Asset Turnover for the fiscal year that ended in Dec. 2025 is calculated as

Asset Turnover
=Revenue/Average Total Assets
=Revenue (A: Dec. 2025 )/( (Total Assets (A: Dec. 2024 )+Total Assets (A: Dec. 2025 ))/ count )
=36.977/( (846.848+890.355)/ 2 )
=36.977/868.6015
=0.04

Pinnacle Bank's Asset Turnover for the quarter that ended in Dec. 2025 is calculated as

Asset Turnover
=Revenue/Average Total Assets
=Revenue (Q: Dec. 2025 )/( (Total Assets (Q: Dec. 2024 )+Total Assets (Q: Dec. 2025 ))/ count )
=36.977/( (846.848+890.355)/ 2 )
=36.977/868.6015
=0.04

* 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.

Companies with low profit margins tend to have high Asset Turnover, while those with high profit margins have low Asset Turnover. Companies in the retail industry tend to have a very high turnover ratio.

Frequently Asked Questions Learn more about Asset Turnover →
What does a Asset Turnover of 0.04 mean?
Pinnacle Bank (PBNK) has a Asset Turnover of 0.04 as of Dec. 2025. Asset turnover equals current-period sales over average total assets over the past two periods. View historical data on Pinnacle Bank and its competitors.
Is Pinnacle Bank's Asset Turnover too high?
Pinnacle Bank's current Asset Turnover is 0.04. 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 Asset Turnover compare to BSFO and PFBX?
Pinnacle Bank's Asset Turnover of 0.04 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Asset Turnover for a Banks company?
A good Asset Turnover depends on the Banks industry context. However, Asset Turnover 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 Asset Turnover mean?
A high Asset Turnover can signal that a stock is expensive relative to its fundamentals. Asset turnover equals current-period sales over average total assets over the past two periods. View historical data on Pinnacle Bank and its competitors. Pinnacle Bank's current Asset Turnover is 0.04. 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 $15.92, compared to a current price of $18.45 — trading 15.9% above its estimated fair value. The current Asset Turnover is 0.04. 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 Asset Turnover calculated?
Asset Turnover is calculated from a company's financial statements. For Pinnacle Bank (PBNK), the current Asset Turnover is 0.04 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 $18.45 is trading 15.9% above its estimated GF Value™ of $15.92. GuruFocus considers Pinnacle Bank to be Modestly Overvalued.

Key valuation signals for PBNK:

  • Asset Turnover: 0.04
  • GF Value™: $15.92 vs. price of $18.45 (15.9% 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

Get the complete analysis for PBNK

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

$18.45
Price
$15.92
GF Value