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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: $19.75 Daily Weekly Monthly 20 Day Moving Average: 2,415 shares Shares Outstanding: 5.93 (millions) Market Capitalization: $117.05 (millions) Beta: 0.33 52 Week High: $20.95 52 Week Low: $17.16 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week -2.95% -5.49% 12 Week -4.36% -8.32% Year To Date 2.86% -10.09%

• 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: 09/01/25 Next Expected EPS Date: 01/29/26 Share - Related Items Shares Outstanding: 5.93 Most Recent Split Date: 10.00 (1.10:1) Beta: 0.33 Market Capitalization: $117.05 (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: Number of Estimates in the Fiscal Year Consensus: Change In Payout Ratio: Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: NA - $0.00 Next EPS Report Date: 01/29/26

• Fundamental Ratios P/E Current FY Estimate: - Trailing 12 Months: - PEG Ratio: - Price Ratios Price/Book: 1.12 Price/Cash Flow: 10.39 Price / Sales: 2.27 EPS Growth vs. Year Ago Period: -43.75% vs. Previous Quarter: -50.00% Sales Growth vs. Year Ago Period: -4.80% vs. Previous Quarter: 0.13% ROE 09/30/25 - 6.81 06/30/25 - 7.72 03/31/25 - 8.48 ROA 09/30/25 - 0.79 06/30/25 - 0.88 03/31/25 - 0.95 Current Ratio 09/30/25 - - 06/30/25 - 0.74 03/31/25 - 0.73 Quick Ratio 09/30/25 - - 06/30/25 - 0.74 03/31/25 - 0.73 Operating Margin 09/30/25 - 13.40 06/30/25 - 14.83 03/31/25 - 15.67 Net Margin 09/30/25 - 13.40 06/30/25 - 14.83 03/31/25 - 15.67 Pre-Tax Margin 09/30/25 - - 06/30/25 - 20.24 03/31/25 - 21.58 Book Value 09/30/25 - - 06/30/25 - 17.57 03/31/25 - 17.16 Inventory Turnover 09/30/25 - - 06/30/25 - - 03/31/25 - - Debt-to-Equity 09/30/25 - - 06/30/25 - 0.00 03/31/25 - 0.00 Debt-to-Capital 09/30/25 - - 06/30/25 - 0.00 03/31/25 - 0.00

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