PINNACLE FINANCIAL PARTNERS (PNFP) Stock Fundamental Analysis
USA - NASDAQ:PNFP - US72346Q1040 - Common Stock
84.065 USD
-0.59 (-0.7%)
We assign a fundamental rating of 5 out of 10 to PNFP. PNFP was compared to 390 industry peers in the Banks industry. While PNFP is still in line with the averages on profitability rating, there are concerns on its financial health. PNFP is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
In the past year PNFP was profitable.
In the past year PNFP had a positive cash flow from operations.
PNFP had positive earnings in each of the past 5 years.
PNFP had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
PNFP has a Return On Assets of 1.06%. This is in the better half of the industry: PNFP outperforms 71.28% of its industry peers.
With a Return On Equity value of 8.76%, PNFP perfoms like the industry average, outperforming 52.31% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.06% | ||
| ROE | 8.76% | ||
| 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
1.3 Margins
PNFP's Profit Margin of 30.46% is amongst the best of the industry. PNFP outperforms 82.05% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 30.46% | ||
| 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
2. Health
2.1 Basic Checks
PNFP does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for PNFP has been increased compared to 1 year ago.
PNFP has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, PNFP has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of PNFP is 0.89, which is an excellent value as it means it would take PNFP, only 0.89 years of fcf income to pay off all of its debts.
PNFP's Debt to FCF ratio of 0.89 is fine compared to the rest of the industry. PNFP outperforms 72.56% of its industry peers.
A Debt/Equity ratio of 0.10 indicates that PNFP is not too dependend on debt financing.
PNFP has a Debt to Equity ratio of 0.10. This is in the better half of the industry: PNFP outperforms 68.21% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.89 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC17.89%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
PNFP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 41.08%, which is quite impressive.
PNFP shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.00% yearly.
The Revenue has grown by 19.92% in the past year. This is quite good.
The Revenue has been growing by 11.02% on average over the past years. This is quite good.
EPS 1Y (TTM)41.08%
EPS 3Y-4.22%
EPS 5Y2%
EPS Q2Q%22.04%
Revenue 1Y (TTM)19.92%
Revenue growth 3Y9.35%
Revenue growth 5Y11.02%
Sales Q2Q%16.72%
3.2 Future
PNFP is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 24.35% yearly.
Based on estimates for the next years, PNFP will show a very strong growth in Revenue. The Revenue will grow by 43.26% on average per year.
EPS Next Y41.41%
EPS Next 2Y28.86%
EPS Next 3Y24.35%
EPS Next 5YN/A
Revenue Next Year16.34%
Revenue Next 2Y53.22%
Revenue Next 3Y43.26%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 10.42, which indicates a very decent valuation of PNFP.
Based on the Price/Earnings ratio, PNFP is valued a bit cheaper than 64.87% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.19, PNFP is valued rather cheaply.
With a Price/Forward Earnings ratio of 8.52, the valuation of PNFP can be described as very reasonable.
71.54% of the companies in the same industry are more expensive than PNFP, based on the Price/Forward Earnings ratio.
PNFP is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.50, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.42 | ||
| Fwd PE | 8.52 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of PNFP indicates a somewhat cheap valuation: PNFP is cheaper than 76.15% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.48 | ||
| EV/EBITDA | N/A |
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.
A more expensive valuation may be justified as PNFP's earnings are expected to grow with 24.35% in the coming years.
PEG (NY)0.25
PEG (5Y)5.21
EPS Next 2Y28.86%
EPS Next 3Y24.35%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.10%, PNFP has a reasonable but not impressive dividend return.
With a Dividend Yield of 1.10, PNFP pays less dividend than the industry average, which is at 3.49. 81.28% of the companies listed in the same industry pay a better dividend than PNFP!
Compared to an average S&P500 Dividend Yield of 2.33, PNFP's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.1% |
5.2 History
On average, the dividend of PNFP grows each year by 11.22%, which is quite nice.
PNFP has been paying a dividend for at least 10 years, so it has a reliable track record.
PNFP has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)11.22%
Div Incr Years0
Div Non Decr Years11
5.3 Sustainability
15.03% of the earnings are spent on dividend by PNFP. This is a low number and sustainable payout ratio.
The dividend of PNFP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP15.03%
EPS Next 2Y28.86%
EPS Next 3Y24.35%
NASDAQ:PNFP (10/31/2025, 12:05:09 PM)
84.065
-0.59 (-0.7%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners87.38%
Inst Owner Change-0.25%
Ins Owners1.72%
Ins Owner Change-1.5%
Market Cap6.52B
Revenue(TTM)1.99B
Net Income(TTM)581.71M
Analysts75
Price Target113.73 (35.29%)
Short Float %3.93%
Short Ratio2.54
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.1% |
Yearly Dividend1.09
Dividend Growth(5Y)11.22%
DP15.03%
Div Incr Years0
Div Non Decr Years11
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.41%
Min EPS beat(2)3.26%
Max EPS beat(2)3.56%
EPS beat(4)4
Avg EPS beat(4)3.62%
Min EPS beat(4)2.81%
Max EPS beat(4)4.85%
EPS beat(8)5
Avg EPS beat(8)-6.08%
EPS beat(12)7
Avg EPS beat(12)-4.74%
EPS beat(16)11
Avg EPS beat(16)-1.73%
Revenue beat(2)0
Avg Revenue beat(2)-3.53%
Min Revenue beat(2)-6.19%
Max Revenue beat(2)-0.88%
Revenue beat(4)0
Avg Revenue beat(4)-2.87%
Min Revenue beat(4)-6.19%
Max Revenue beat(4)-0.71%
Revenue beat(8)0
Avg Revenue beat(8)-5.18%
Revenue beat(12)1
Avg Revenue beat(12)-4.83%
Revenue beat(16)3
Avg Revenue beat(16)-3.52%
PT rev (1m)-1.09%
PT rev (3m)-11.54%
EPS NQ rev (1m)-0.01%
EPS NQ rev (3m)3.82%
EPS NY rev (1m)2.51%
EPS NY rev (3m)6.09%
Revenue NQ rev (1m)-0.09%
Revenue NQ rev (3m)2.04%
Revenue NY rev (1m)1.15%
Revenue NY rev (3m)2.77%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.42 | ||
| Fwd PE | 8.52 | ||
| P/S | 3.41 | ||
| P/FCF | 8.48 | ||
| P/OCF | 7.57 | ||
| P/B | 0.98 | ||
| P/tB | 1.37 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.07
EY9.6%
EPS(NY)9.86
Fwd EY11.73%
FCF(TTM)9.92
FCFY11.8%
OCF(TTM)11.11
OCFY13.21%
SpS24.63
BVpS85.58
TBVpS61.49
PEG (NY)0.25
PEG (5Y)5.21
Graham Number124.65
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.06% | ||
| ROE | 8.76% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 30.46% | ||
| GM | N/A | ||
| FCFM | 40.27% |
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 Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.89 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 86.88% | ||
| Cap/Sales | 4.83% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 132.23% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC17.89%
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)41.08%
EPS 3Y-4.22%
EPS 5Y2%
EPS Q2Q%22.04%
EPS Next Y41.41%
EPS Next 2Y28.86%
EPS Next 3Y24.35%
EPS Next 5YN/A
Revenue 1Y (TTM)19.92%
Revenue growth 3Y9.35%
Revenue growth 5Y11.02%
Sales Q2Q%16.72%
Revenue Next Year16.34%
Revenue Next 2Y53.22%
Revenue Next 3Y43.26%
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 1Y35.85%
FCF growth 3Y8.38%
FCF growth 5Y15.7%
OCF growth 1Y31.71%
OCF growth 3Y11.21%
OCF growth 5Y15.95%
PINNACLE FINANCIAL PARTNERS / PNFP FAQ
Can you provide the ChartMill fundamental rating for PINNACLE FINANCIAL PARTNERS?
ChartMill assigns a fundamental rating of 5 / 10 to PNFP.
What is the valuation status for PNFP stock?
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 4 / 10.
Can you provide the financial health for PNFP stock?
The financial health rating of PINNACLE FINANCIAL PARTNERS (PNFP) is 3 / 10.
Can you provide the dividend sustainability for PNFP stock?
The dividend rating of PINNACLE FINANCIAL PARTNERS (PNFP) is 6 / 10 and the dividend payout ratio is 15.03%.