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Pinnacle Bank
PBNKFinancial ServicesOTCUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $50.63M | 10.8% | $5.47M | $12.61M | N/A |
| 2027 | $55.69M | 10.8% | $6.01M | $13.87M | $12.61M |
| 2028 | $61.26M | 10.8% | $6.62M | $15.25M | $12.61M |
| 2029 | $67.39M | 10.8% | $7.28M | $16.78M | $12.61M |
| 2030 | $74.13M | 10.8% | $8.01M | $18.46M | $12.61M |
| 2031 | $81.54M | 10.8% | $8.81M | $20.30M | $12.61M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $0.91 | 2025-12-31 |
| EPS growth | -39.5% | Forecast years: 5 |
| Future EPS | $0.074 | EPS × (1 + G)^5 |
| Base P/E | 21 | P/E |
| Future price | $1.549 | Future EPS × P/E |
| Fair value today | $0.962 | PV @ 10.0% |
| 30% safety price | $0.673 | Margin of safety |
| 50% safety price | $0.481 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $67.933 | $72.371 | $78.422 |
| 10.0% | $63.45 | $66.722 | $71.001 |
| 11.0% | $59.917 | $62.408 | $65.564 |