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Zacks Company Profile for Pinnacle Bank (PBNK : OTC)

• Company Description    Pinnacle Bank is a full-service business bank dedicated to providing quality depository and credit services in Santa Clara, San Benito and Monterey counties. The bank focuses on commercial banking services for small to medium-sized businesses, offering a variety of products and services that combine the best of personal touch with convenient technology-based client service. Pinnacle Bank has locations in Morgan Hill, Gilroy and Salinas. Number of Employees:

• Price / Volume Information    Yesterday's Closing Price: $18.35 Daily Weekly Monthly 20 Day Moving Average: 2,199 shares Shares Outstanding: 5.97 (millions) Market Capitalization: $109.61 (millions) Beta: 0.24 52 Week High: $20.72 52 Week Low: $16.00 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week -0.81% 1.90% 12 Week 1.94% 0.72% Year To Date -5.17% -14.49%

• Address & Contact Information Street Address Phone / Fax Email Address Web URL 7597 MONTEREY STREET - GILROY,CA 95020 USA ph: 408-842-8200 fax: 408-413-5340 investorrelations@pinnacle.bank http://www.pinnacle.bank

• General Corporate Information    Officers Jeffrey D. Payne - Chief Executive Officer and President Susan K. Black - Chairman Bruce H. Kendall - Vice Chairman Bruce H. Kendall - Chief Financial Officer and Executive Vice Preside Denise Brown - Executive Vice President Peer Information Pinnacle Bank (FBA) Pinnacle Bank (FVNB) Pinnacle Bank (FSNMQ) Pinnacle Bank (SRYPQ) Pinnacle Bank (BOKF) Pinnacle Bank (FHN) Industry / Sector / Ticker Info Analyst Coverage: No Industry Group: BANKS-SOUTHWEST Sector: Finance CUSIP: 72346K107 SIC: 6022 Fiscal Year Fiscal Year End: December Last Reported Quarter: 06/01/26 Next Expected EPS Date: 10/29/26 Share - Related Items Shares Outstanding: 5.97 Most Recent Split Date: 10.00 (1.10:1) Beta: 0.24 Market Capitalization: $109.61 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 0.00% Current Fiscal Quarter EPS Consensus Estimate: $ Indicated Annual Dividend: $0.00 Current Fiscal Year EPS Consensus Estimate: $ Payout Ratio: 0.00 Number of Estimates in the Fiscal Year Consensus: Change In Payout Ratio: 0.00 Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: NA - $0.00 Next EPS Report Date: 10/29/26

• Fundamental Ratios P/E Current FY Estimate: - Trailing 12 Months: 26.21 PEG Ratio: - Price Ratios Price/Book: 1.00 Price/Cash Flow: 15.54 Price / Sales: 2.22 EPS Growth vs. Year Ago Period: -30.56% vs. Previous Quarter: 13.64% Sales Growth vs. Year Ago Period: -8.12% vs. Previous Quarter: -4.03% ROE 06/30/26 - 3.88 03/31/26 - 4.58 12/31/25 - 5.22 ROA 06/30/26 - 0.45 03/31/26 - 0.54 12/31/25 - 0.61 Current Ratio 06/30/26 - 0.70 03/31/26 - 0.68 12/31/25 - 0.74 Quick Ratio 06/30/26 - 0.70 03/31/26 - 0.68 12/31/25 - 0.74 Operating Margin 06/30/26 - 8.42 03/31/26 - 9.61 12/31/25 - 10.76 Net Margin 06/30/26 - 8.42 03/31/26 - 9.61 12/31/25 - 10.76 Pre-Tax Margin 06/30/26 - 11.60 03/31/26 - 13.17 12/31/25 - 14.67 Book Value 06/30/26 - 18.34 03/31/26 - 18.08 12/31/25 - 17.93 Inventory Turnover 06/30/26 - - 03/31/26 - - 12/31/25 - - Debt-to-Equity 06/30/26 - 0.00 03/31/26 - 0.00 12/31/25 - 0.00 Debt-to-Capital 06/30/26 - 0.00 03/31/26 - 0.00 12/31/25 - 0.00

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