Pinnacle Bank
PBNK
Rank in Stocks
#19126
Pinnacle Bank operates as a commercial financial institution, providing a... Pinnacle Bank operates as a commercial financial institution, providing a diverse array of deposit and credit services across Santa Clara, San Benito, and Monterey counties. Its deposit offerings include various checking, savings, money market, and sweep accounts, alongside individual retirement accounts (IRAs) and certificates of deposit, including access to the Certificate of Deposit Account Registry Service (CDARS). For credit needs, individual clients can secure home equity lines of credit and financing for single-family home construction. Businesses and non-profit organizations are offered general loans and lines of credit, letters of credit, commercial real estate loans, government-assisted financing, and credit cards. Beyond core banking, Pinnacle Bank provides essential services like ATM and debit cards, complete with associated protection, and safe deposit boxes. Its robust cash management suite features digital banking options such as online and mobile access, online bill payment, and mobile check deposit. It also provides advanced tools like Automated Clearing House (ACH) origination and fraud filters, remote deposit capture, a night depository, and Positive Pay. Further services encompass merchant card processing, wire transfers, and foreign currency exchange. Additionally, the bank offers asset-based lending solutions, such as accounts receivable financing, factoring, and purchase order financing, to help businesses manage their working capital. Serving a diverse clientele, including individuals, businesses, and nonprofit organizations, Pinnacle Bank has a local presence in cities such as Morgan Hill, Gilroy, Salinas, and Campbell. Founded in 2005, Pinnacle Bank maintains its headquarters in Gilroy, California.
Share Price
$19.07
Last synced: 2026-11-09
Market Cap
$113.91M
Change (1 day)
0.90%
Change (1 year)
-3.20%
Country
Stock data: Financial Modeling PrepΒ·Updated Β·Not investment adviceΒ·How we calculate this
Trade Pinnacle Bank (PBNK)
Category
Financial Services
Operating Margin for Pinnacle Bank (PBNK)
Operating Margin as of November 2026 TTM: 9.07%
According to Pinnacle Bank's latest financial reports, its current operating margin (TTM) is 9.07%. At the end of 2025 the company had an operating margin of 14.67%.
Operating Margin history for Pinnacle Bank from 2012 to 2026
Operating Margin at the end of each year
| Year | Operating Margin | Change |
|---|---|---|
| 2026 (TTM) | 9.07% | -38.17% |
| 2025 | 14.67% | -35.71% |
| 2024 | 22.82% | -29.91% |
| 2023 | 32.56% | -5.16% |
| 2022 | 34.33% | -1.91% |
| 2021 | 35.00% | 57.87% |
| 2020 | 22.17% | -33.06% |
| 2019 | 33.12% | -9.11% |
| 2018 | 36.44% | 9.76% |
| 2017 | 33.20% | 9.28% |
| 2016 | 30.38% | 71.83% |
| 2015 | 17.68% | 3.63% |
| 2014 | 17.06% | 89.35% |
| 2013 | 9.01% | 159.65% |
| 2012 | 3.47% | 0.00% |
Operating Margin for similar companies or competitors
| Company | Operating Margin | Operating Margin Difference | Country |
|---|---|---|---|
| 54.30% | -94.01% |
CN
|
|
| 57.52% | -93.66% |
IT
|
|
| 21.82% | -97.59% |
IN
|
|
| 26.74% | -97.05% |
IN
|
|
| 20.55% | -97.73% |
JP
|
What is a company's Operating Margin?
The operating margin is a key indicator to assess the profitability of a company. Higher operating margins are generaly better as they show that a company is able to sell its products or services for much more than their production costs. The operating margin is calculated by dividing a company's earnings by its revenue.
Questions about Pinnacle Bank's operating margin
What is Pinnacle Bank's operating margin?
Pinnacle Bank's operating margin is 9.07%, as of Nov 2026.
What was Pinnacle Bank's operating margin in 2025?
In 2025, Pinnacle Bank's operating margin was 14.67%, compared with 22.82% in 2024.
How has Pinnacle Bank's operating margin changed since 2020?
From 2020 to 2025, Pinnacle Bank's operating margin was highest in 2021 (35.00%) and lowest in 2025 (14.67%).
How does Pinnacle Bank's operating margin compare with similar companies?
Pinnacle Bank's operating margin (9.07%) is lower than that of all 5 similar companies listed above. The highest among them is UniCredit S.p.A., with 57.52%.