PINNACLE FINANCIAL PARTNERS (PNFP) Fundamental Analysis & Valuation

NYSE:PNFP • US72348N1090

Current stock price

82.89 USD
-0.66 (-0.79%)
At close:
82.89 USD
0 (0%)
After Hours:

This PNFP fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. PNFP Profitability Analysis

1.1 Basic Checks

  • PNFP had positive earnings in the past year.
  • PNFP had a positive operating cash flow in the past year.
  • Of the past 5 years PNFP 4 years were profitable.
  • Of the past 5 years PNFP 4 years had a positive operating cash flow.
PNFP Yearly Net Income VS EBIT VS OCF VS FCFPNFP Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

1.2 Ratios

  • PNFP has a Return On Assets of 1.09%. This is in the better half of the industry: PNFP outperforms 64.57% of its industry peers.
  • The Return On Equity of PNFP (8.87%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 1.09%
ROE 8.87%
ROIC N/A
ROA(3y)1.1%
ROA(5y)1.1%
ROE(3y)8.7%
ROE(5y)8.39%
ROIC(3y)N/A
ROIC(5y)N/A
PNFP Yearly ROA, ROE, ROICPNFP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

  • PNFP has a Profit Margin of 30.59%. This is in the better half of the industry: PNFP outperforms 79.27% of its industry peers.
  • PNFP's Profit Margin has declined in the last couple of years.
  • The Operating Margin and Gross Margin are not available for PNFP so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 30.59%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.78%
PM growth 5Y-7.42%
GM growth 3YN/A
GM growth 5YN/A
PNFP Yearly Profit, Operating, Gross MarginsPNFP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

2. PNFP Health Analysis

2.1 Basic Checks

  • PNFP does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • There is no outstanding debt for PNFP. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
PNFP Yearly Shares OutstandingPNFP Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
PNFP Yearly Total Debt VS Total AssetsPNFP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B 50B

2.2 Solvency

  • PNFP has a debt to FCF ratio of 0.72. This is a very positive value and a sign of high solvency as it would only need 0.72 years to pay back of all of its debts.
  • PNFP's Debt to FCF ratio of 0.72 is fine compared to the rest of the industry. PNFP outperforms 75.07% of its industry peers.
  • PNFP has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
  • PNFP's Debt to Equity ratio of 0.11 is fine compared to the rest of the industry. PNFP outperforms 64.57% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.72
Altman-Z N/A
ROIC/WACCN/A
WACC14.45%
PNFP Yearly LT Debt VS Equity VS FCFPNFP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PNFP Yearly Current Assets VS Current LiabilitesPNFP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. PNFP Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 41.58% over the past year.
  • The Earnings Per Share has been growing by 11.41% on average over the past years. This is quite good.
EPS 1Y (TTM)41.58%
EPS 3Y5.41%
EPS 5Y11.41%
EPS Q2Q%17.89%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%10.26%

3.2 Future

  • The Earnings Per Share is expected to grow by 18.87% on average over the next years. This is quite good.
  • PNFP is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 41.34% yearly.
EPS Next Y22.48%
EPS Next 2Y19.58%
EPS Next 3Y18.87%
EPS Next 5YN/A
Revenue Next Year140.74%
Revenue Next 2Y61.07%
Revenue Next 3Y41.34%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
PNFP Yearly Revenue VS EstimatesPNFP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2B 4B 6B
PNFP Yearly EPS VS EstimatesPNFP Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5 10

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6

4. PNFP Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 9.86 indicates a reasonable valuation of PNFP.
  • Based on the Price/Earnings ratio, PNFP is valued a bit cheaper than the industry average as 76.12% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of PNFP to the average of the S&P500 Index (25.71), we can say PNFP is valued rather cheaply.
  • PNFP is valuated reasonably with a Price/Forward Earnings ratio of 8.05.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of PNFP indicates a rather cheap valuation: PNFP is cheaper than 85.30% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.83, PNFP is valued rather cheaply.
Industry RankSector Rank
PE 9.86
Fwd PE 8.05
PNFP Price Earnings VS Forward Price EarningsPNFP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of PNFP is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 11.95
EV/EBITDA N/A
PNFP Per share dataPNFP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • PNFP's earnings are expected to grow with 18.87% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.44
PEG (5Y)0.86
EPS Next 2Y19.58%
EPS Next 3Y18.87%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

9

5. PNFP Dividend Analysis

5.1 Amount

  • PNFP has a Yearly Dividend Yield of 8.07%, which is a nice return.
  • PNFP's Dividend Yield is rather good when compared to the industry average which is at 2.90. PNFP pays more dividend than 99.21% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.91, PNFP pays a better dividend.
Industry RankSector Rank
Dividend Yield 8.07%

5.2 History

  • On average, the dividend of PNFP grows each year by 11.22%, which is quite nice.
  • PNFP has paid a dividend for at least 10 years, which is a reliable track record.
  • PNFP has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)11.22%
Div Incr Years0
Div Non Decr Years11
PNFP Yearly Dividends per sharePNFP Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

5.3 Sustainability

  • PNFP pays out 14.64% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of PNFP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP14.64%
EPS Next 2Y19.58%
EPS Next 3Y18.87%
PNFP Yearly Income VS Free CF VS DividendPNFP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M
PNFP Dividend Payout.PNFP Dividend Payout, showing the Payout Ratio.PNFP Dividend Payout.PayoutRetained Earnings

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PNFP Fundamentals: All Metrics, Ratios and Statistics

PINNACLE FINANCIAL PARTNERS

NYSE:PNFP (3/13/2026, 8:04:00 PM)

After market: 82.89 0 (0%)

82.89

-0.66 (-0.79%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-13
Inst Owners47.14%
Inst Owner Change-98.06%
Ins Owners1.1%
Ins Owner Change23.49%
Market Cap12.53B
Revenue(TTM)N/A
Net Income(TTM)608.15M
Analysts78.4
Price Target118.2 (42.6%)
Short Float %3.09%
Short Ratio2.63
Dividend
Industry RankSector Rank
Dividend Yield 8.07%
Yearly Dividend1.09
Dividend Growth(5Y)11.22%
DP14.64%
Div Incr Years0
Div Non Decr Years11
Ex-Date02-06
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.98%
Min EPS beat(2)3.26%
Max EPS beat(2)8.71%
EPS beat(4)4
Avg EPS beat(4)5.1%
Min EPS beat(4)3.26%
Max EPS beat(4)8.71%
EPS beat(8)6
Avg EPS beat(8)-4.61%
EPS beat(12)8
Avg EPS beat(12)-3.94%
EPS beat(16)11
Avg EPS beat(16)-1.87%
Revenue beat(2)1
Avg Revenue beat(2)0.3%
Min Revenue beat(2)-0.88%
Max Revenue beat(2)1.49%
Revenue beat(4)1
Avg Revenue beat(4)-2.32%
Min Revenue beat(4)-6.19%
Max Revenue beat(4)1.49%
Revenue beat(8)1
Avg Revenue beat(8)-4.35%
Revenue beat(12)1
Avg Revenue beat(12)-4.74%
Revenue beat(16)3
Avg Revenue beat(16)-3.54%
PT rev (1m)0.2%
PT rev (3m)7.67%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.45%
EPS NY rev (1m)0%
EPS NY rev (3m)0.72%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.83%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.71%
Valuation
Industry RankSector Rank
PE 9.86
Fwd PE 8.05
P/S 6.3
P/FCF 11.95
P/OCF 10.96
P/B 1.83
P/tB 2.51
EV/EBITDA N/A
EPS(TTM)8.41
EY10.15%
EPS(NY)10.3
Fwd EY12.43%
FCF(TTM)6.93
FCFY8.37%
OCF(TTM)7.56
OCFY9.12%
SpS13.15
BVpS45.35
TBVpS33
PEG (NY)0.44
PEG (5Y)0.86
Graham Number92.63
Profitability
Industry RankSector Rank
ROA 1.09%
ROE 8.87%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 30.59%
GM N/A
FCFM 52.74%
ROA(3y)1.1%
ROA(5y)1.1%
ROE(3y)8.7%
ROE(5y)8.39%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.78%
PM growth 5Y-7.42%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.72
Debt/EBITDA N/A
Cap/Depr 86.58%
Cap/Sales 4.77%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 172.41%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC14.45%
ROIC/WACCN/A
Cap/Depr(3y)100.35%
Cap/Depr(5y)86.53%
Cap/Sales(3y)4.79%
Cap/Sales(5y)3.92%
Profit Quality(3y)115.93%
Profit Quality(5y)119.73%
High Growth Momentum
Growth
EPS 1Y (TTM)41.58%
EPS 3Y5.41%
EPS 5Y11.41%
EPS Q2Q%17.89%
EPS Next Y22.48%
EPS Next 2Y19.58%
EPS Next 3Y18.87%
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%10.26%
Revenue Next Year140.74%
Revenue Next 2Y61.07%
Revenue Next 3Y41.34%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y163.91%
FCF growth 3Y8.38%
FCF growth 5Y15.7%
OCF growth 1Y140.18%
OCF growth 3Y11.21%
OCF growth 5Y15.95%

PINNACLE FINANCIAL PARTNERS / PNFP Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for PINNACLE FINANCIAL PARTNERS?

ChartMill assigns a fundamental rating of 4 / 10 to PNFP.


Can you provide the valuation status for PINNACLE FINANCIAL PARTNERS?

ChartMill assigns a valuation rating of 6 / 10 to PINNACLE FINANCIAL PARTNERS (PNFP). This can be considered as Fairly Valued.


How profitable is PINNACLE FINANCIAL PARTNERS (PNFP) stock?

PINNACLE FINANCIAL PARTNERS (PNFP) has a profitability rating of 3 / 10.


How financially healthy is PINNACLE FINANCIAL PARTNERS?

The financial health rating of PINNACLE FINANCIAL PARTNERS (PNFP) is 3 / 10.


How sustainable is the dividend of PINNACLE FINANCIAL PARTNERS (PNFP) stock?

The dividend rating of PINNACLE FINANCIAL PARTNERS (PNFP) is 9 / 10 and the dividend payout ratio is 14.64%.