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About The Company

Market Cap

72.26 Million USD

Sector

Financial Services

Website

https://www.pinnacle.bank

Description

Pinnacle Bank, a commercial bank, provides various depository and credit services in Santa Clara, San Benito, and Monterey counties.

Read More

Overview

Value

29

Growth

45

Health

61

Management

63

Analyst Opinion

0

Total

50

All Scores Out Of 100

Best Features

  • Has a low level of debt
  • Has strong financial health
  • Low preportion of income is paid as dividend

Risk Factors

  • Earnings growth has slowed down recently
  • There is a history of diluting shareholders
  • Price-to-earnings ratio of 20.6 is higher than the market average (19.6x)

Market Peers

PBNK

Key Figures

PE Ratio (TTM)

20.64

Margin Of Safety (DCF)

9.68%

Revenue Growth (5 Year Average)

16.08%

Ratings Consensus

N/A

Share Buybacks

-4.61%

Dividend Yeild (TTM)

N/A

Valuation

Value Score

29

  • Estimated intrinsic-value of 14.81 USD is higher than current price ( 13.50 USD)
  • Price-to-earnings ratio of 20.6 is higher than the market average (19.6x)
  • Free-cashflow-yeild of N/A is worse than the market average (4.7%)
  • Margin-of-safety of 9.68% is worse than the market average (17.95%)

Desired Margin Of Safety

0%

Tip: Set your desired Margin Of Safety

Free Cash Flow Type

Annual Cashflow Growth

0%

Discount Rate

0%

Buy Target: < 15 USD

Current Price: 13.5 USD

How Does This Work?

Show Advanced Options

This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated target price for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel the impact this has on longterm investment returns and discover a margin of safety you are comfortable with. This can be a useful tool for investors looking to make informed decisions about whether to buy or sell shares of a particular company.

Price/Earnings

20.64x

Free Cashflow Yeild

N/A

PE/Earnings Growth

0.21

Price/Book

2.11x

Growth

Growth Score

45

  • 5 Year Average Revenue growth of 16.08% is higher than the market average (10.97%)
  • Revenue growth has improved this yeara
  • 5 Year Average Earnings growth of 7.73% is lower than the market average (14.48%)
  • Earnings growth has slowed this year
  • 5 Year Average Free Cashflow growth of 4.64% is lower than the market average (12.35%)
  • Free Cashflow growth has slowed this year

Revenue Growth

16.08%

Earnings Growth

7.73%

Cashflow Growth

4.64%

Health

Health Score

61

  • Has a low level of debt
  • Assets cover liabilities
  • Low financial Leverage
  • Normal operation does not require debt to be sustainable
  • Debt repayments significantly impact cashflow

Altman Z Score

N/A

Piostroski Score

N/A

Debt/Equity

N/Ax

Current Assets/Liabilities

23.28x

Free Cashflow/Total Debt

N/Ax

Debt/Capital

N/Ax

Management

Management Score

63

  • Has issued new shares to finance growth when share price is high
  • Return-on-capital-employed of 2.22% is lower than the market average (10%)
  • Has a history of diluting shareholders to finance activity
  • Return-on-equity of 12.17% is lower than the market average (15%)

Average Buybacks/Dilution

-4.61%

Recent Buybacks/Dilution

4.48%

5 Year Price Volitility

18.74%

Return On Assets

1.09%

Return On Capital Employed

2.22%

Return On Equity

12.17%

Return On Free Cashflow

312.71%

Return On Investments

15.49%

Analysts

Analyst Opinion

0

    SEC Filings

    Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.

    Other Information

    Company Name

    Pinnacle Bank

    Currency

    USD

    Beta

    0.676316

    Vol Avg

    3914

    Ceo

    Cik

    Cusip

    Exchange

    Other OTC

    Full Time Employees

    Industry

    Banks—Regional

    Sector

    Financial Services

    Ipo Date

    2007-01-08

    Address

    7597 Monterey Street

    City

    Gilroy

    State

    CA

    Country

    US

    Zip

    95020

    Phone

    408 842 8200

    All financial data provided by FMP

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