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Pinnacle BankPBNK 67 5-Year Yield-on-Cost % is 0.00 as of Jul. 20, 2026. GuruFocus rates PBNK with a GF Score™ of 67/100 and a GF Value™ of $15.94 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,255 Banks companies, Pinnacle Bank ranks worse than 79681.2% on this metric.
Pinnacle Bank's yield on cost for the quarter that ended in Dec. 2025 was 0.00.
The historical rank and industry rank for Pinnacle Bank's 5-Year Yield-on-Cost % or its related term are showing as below:
PBNK's 5-Year Yield-on-Cost % is not ranked *
in the Banks industry.
Industry Median: 3.86 * Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
Pinnacle Bank (OTCPK:PBNK) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Pinnacle Bank 5-Year Yield-on-Cost % Related Terms
PBNK vs OXBC, RVSB, PROV: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Pinnacle Bank's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Pinnacle Bank's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Pinnacle Bank's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of Pinnacle Bank is calculated as
Pinnacle Bank (PBNK) has a 5-Year Yield-on-Cost % of 0.00 as of Jul. 20, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Pinnacle Bank and its competitors. According to the industry distribution chart, Pinnacle Bank ranks #999999 out of 1255 companies in the Banks industry.
Is Pinnacle Bank's 5-Year Yield-on-Cost % too high?
Pinnacle Bank's current 5-Year Yield-on-Cost % is 0.00. Based on the distribution chart, Pinnacle Bank ranks #999999 out of 1255 companies in the Banks industry, which is in the bottom quartile 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 5-Year Yield-on-Cost % compare to OXBC and RVSB?
According to the Banks industry distribution chart, Pinnacle Bank ranks #999999 out of 1255 companies for 5-Year Yield-on-Cost %. This places Pinnacle Bank in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.86. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.86, based on 1,255 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Pinnacle Bank and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pinnacle Bank's current 5-Year Yield-on-Cost % is 0.00. 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 $15.94, compared to a current price of $18.00 — trading 12.9% above its estimated fair value. The current 5-Year Yield-on-Cost % is 0.00. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Pinnacle Bank (PBNK), the current 5-Year Yield-on-Cost % is 0.00 as of Jul. 20, 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 $18.00 is trading 12.9% above its estimated GF Value™ of $15.94.
GuruFocus considers Pinnacle Bank to be Modestly Overvalued.
Key valuation signals for PBNK:
5-Year Yield-on-Cost %: 0.00
GF Value™: $15.94 vs. price of $18.00 (12.9% above fair value)
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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