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PINNACLE FINANCIAL PARTNERS (PNFP) Stock Fundamental Analysis

NASDAQ:PNFP - Nasdaq - US72346Q1040 - Common Stock - Currency: USD

111.36  +0.43 (+0.39%)

After market: 111.36 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to PNFP. PNFP was compared to 396 industry peers in the Banks industry. PNFP may be in some trouble as it scores bad on both profitability and health. PNFP is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year PNFP was profitable.
PNFP had a positive operating cash flow in the past year.
Each year in the past 5 years PNFP has been profitable.
Each year in the past 5 years PNFP 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

1.2 Ratios

PNFP has a Return On Assets (0.88%) which is in line with its industry peers.
With a Return On Equity value of 7.28%, PNFP perfoms like the industry average, outperforming 41.41% of the companies in the same industry.
Industry RankSector Rank
ROA 0.88%
ROE 7.28%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

PNFP has a Profit Margin of 26.89%. This is in the better half of the industry: PNFP outperforms 71.72% of its industry peers.
In the last couple of years the Profit Margin of PNFP has declined.
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) 26.89%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

2. Health

2.1 Basic Checks

PNFP does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, PNFP has more shares outstanding
PNFP has more shares outstanding than it did 5 years ago.
The debt/assets ratio for PNFP has been reduced compared to a year ago.
PNFP Yearly Shares OutstandingPNFP Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B 50B

2.2 Solvency

The Debt to FCF ratio of PNFP is 1.18, which is an excellent value as it means it would take PNFP, only 1.18 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.18, PNFP is in the better half of the industry, outperforming 69.44% of the companies in the same industry.
PNFP has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of PNFP (0.11) is better than 68.43% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.18
Altman-Z N/A
ROIC/WACCN/A
WACC16.48%
PNFP Yearly LT Debt VS Equity VS FCFPNFP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

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5

3. Growth

3.1 Past

PNFP shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -5.97%.
Measured over the past 5 years, PNFP shows a small growth in Earnings Per Share. The EPS has been growing by 2.00% on average per year.
PNFP shows a small growth in Revenue. In the last year, the Revenue has grown by 2.89%.
Measured over the past years, PNFP shows a quite strong growth in Revenue. The Revenue has been growing by 11.02% on average per year.
EPS 1Y (TTM)-5.97%
EPS 3Y-4.22%
EPS 5Y2%
EPS Q2Q%23.38%
Revenue 1Y (TTM)2.89%
Revenue growth 3Y9.35%
Revenue growth 5Y11.02%
Sales Q2Q%8.11%

3.2 Future

PNFP is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 19.72% yearly.
The Revenue is expected to grow by 11.95% on average over the next years. This is quite good.
EPS Next Y32.59%
EPS Next 2Y22%
EPS Next 3Y19.72%
EPS Next 5YN/A
Revenue Next Year13.37%
Revenue Next 2Y12.6%
Revenue Next 3Y11.95%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
PNFP Yearly Revenue VS EstimatesPNFP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B 2B 2.5B
PNFP Yearly EPS VS EstimatesPNFP Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6 8 10

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3

4. Valuation

4.1 Price/Earnings Ratio

PNFP is valuated rather expensively with a Price/Earnings ratio of 17.68.
Based on the Price/Earnings ratio, PNFP is valued a bit more expensive than 77.02% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.68. PNFP is valued slightly cheaper when compared to this.
With a Price/Forward Earnings ratio of 12.60, PNFP is valued correctly.
PNFP's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. PNFP is more expensive than 68.69% of the companies in the same industry.
PNFP is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.50, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 17.68
Fwd PE 12.6
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

PNFP's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 14.79
EV/EBITDA N/A
PNFP Per share dataPNFP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

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 19.72% in the coming years.
PEG (NY)0.54
PEG (5Y)8.84
EPS Next 2Y22%
EPS Next 3Y19.72%

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5

5. Dividend

5.1 Amount

With a yearly dividend of 0.87%, PNFP is not a good candidate for dividend investing.
With a Dividend Yield of 0.87, PNFP pays less dividend than the industry average, which is at 3.34. 84.09% of the companies listed in the same industry pay a better dividend than PNFP!
Compared to an average S&P500 Dividend Yield of 2.36, PNFP's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.87%

5.2 History

The dividend of PNFP is nicely growing with an annual growth rate of 11.22%!
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
PNFP Yearly Dividends per sharePNFP Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

PNFP pays out 18.01% of its income as dividend. This is a sustainable payout ratio.
PNFP's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP18.01%
EPS Next 2Y22%
EPS Next 3Y19.72%
PNFP Yearly Income VS Free CF VS DividendPNFP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 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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PINNACLE FINANCIAL PARTNERS

NASDAQ:PNFP (5/16/2025, 8:14:31 PM)

After market: 111.36 0 (0%)

111.36

+0.43 (+0.39%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-14 2025-04-14/amc
Earnings (Next)07-14 2025-07-14/amc
Inst Owners90.67%
Inst Owner Change-2.36%
Ins Owners1.56%
Ins Owner Change9.55%
Market Cap8.64B
Analysts78.82
Price Target115.06 (3.32%)
Short Float %1.89%
Short Ratio2.36
Dividend
Industry RankSector Rank
Dividend Yield 0.87%
Yearly Dividend1.09
Dividend Growth(5Y)11.22%
DP18.01%
Div Incr Years0
Div Non Decr Years11
Ex-Date05-02 2025-05-02 (0.24)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.21%
Min EPS beat(2)3.56%
Max EPS beat(2)4.85%
EPS beat(4)3
Avg EPS beat(4)-12.42%
Min EPS beat(4)-60.92%
Max EPS beat(4)4.85%
EPS beat(8)5
Avg EPS beat(8)-5.56%
EPS beat(12)7
Avg EPS beat(12)-4.25%
EPS beat(16)11
Avg EPS beat(16)-1.02%
Revenue beat(2)0
Avg Revenue beat(2)-4.93%
Min Revenue beat(2)-6.19%
Max Revenue beat(2)-3.68%
Revenue beat(4)0
Avg Revenue beat(4)-7%
Min Revenue beat(4)-17.4%
Max Revenue beat(4)-0.71%
Revenue beat(8)0
Avg Revenue beat(8)-5.36%
Revenue beat(12)2
Avg Revenue beat(12)-4.44%
Revenue beat(16)4
Avg Revenue beat(16)-3.28%
PT rev (1m)-12.35%
PT rev (3m)-12.76%
EPS NQ rev (1m)-0.24%
EPS NQ rev (3m)-1.18%
EPS NY rev (1m)0.06%
EPS NY rev (3m)-0.94%
Revenue NQ rev (1m)-0.27%
Revenue NQ rev (3m)-0.72%
Revenue NY rev (1m)-1.01%
Revenue NY rev (3m)-0.82%
Valuation
Industry RankSector Rank
PE 17.68
Fwd PE 12.6
P/S 4.88
P/FCF 14.79
P/OCF 12.61
P/B 1.32
P/tB 1.85
EV/EBITDA N/A
EPS(TTM)6.3
EY5.66%
EPS(NY)8.84
Fwd EY7.94%
FCF(TTM)7.53
FCFY6.76%
OCF(TTM)8.83
OCFY7.93%
SpS22.83
BVpS84.32
TBVpS60.23
PEG (NY)0.54
PEG (5Y)8.84
Profitability
Industry RankSector Rank
ROA 0.88%
ROE 7.28%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.89%
GM N/A
FCFM 32.98%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.18
Debt/EBITDA N/A
Cap/Depr 98.32%
Cap/Sales 5.7%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 122.67%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC16.48%
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)-5.97%
EPS 3Y-4.22%
EPS 5Y2%
EPS Q2Q%23.38%
EPS Next Y32.59%
EPS Next 2Y22%
EPS Next 3Y19.72%
EPS Next 5YN/A
Revenue 1Y (TTM)2.89%
Revenue growth 3Y9.35%
Revenue growth 5Y11.02%
Sales Q2Q%8.11%
Revenue Next Year13.37%
Revenue Next 2Y12.6%
Revenue Next 3Y11.95%
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 1Y-29.01%
FCF growth 3Y8.38%
FCF growth 5Y15.7%
OCF growth 1Y-24.91%
OCF growth 3Y11.21%
OCF growth 5Y15.95%