Logo image of PNFP

PINNACLE FINANCIAL PARTNERS (PNFP) Stock Fundamental Analysis

USA - NASDAQ:PNFP - US72346Q1040 - Common Stock

88.21 USD
+0.07 (+0.08%)
Last: 10/21/2025, 10:51:57 AM
Fundamental Rating

5

PNFP gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 391 industry peers in the Banks industry. There are concerns on the financial health of PNFP while its profitability can be described as average. PNFP is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

Quickly go to:

4

1. Profitability

1.1 Basic Checks

PNFP had positive earnings in the past year.
PNFP had a positive operating cash flow in the past year.
PNFP had positive earnings in each of the past 5 years.
In the past 5 years PNFP always reported a positive cash flow from operatings.
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 better Return On Assets (1.06%) than 71.36% of its industry peers.
PNFP has a Return On Equity (8.76%) which is comparable to the rest of the industry.
Industry RankSector 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
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

With an excellent Profit Margin value of 30.46%, PNFP belongs to the best of the industry, outperforming 82.10% of the companies in the same industry.
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) 30.46%
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
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

More info and screens

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
The number of shares outstanding for PNFP has been increased compared to 5 years ago.
PNFP has a better debt/assets ratio than last year.
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

PNFP has a debt to FCF ratio of 0.89. This is a very positive value and a sign of high solvency as it would only need 0.89 years to pay back of all of its debts.
The Debt to FCF ratio of PNFP (0.89) is better than 72.38% of its industry peers.
A Debt/Equity ratio of 0.10 indicates that PNFP is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.10, PNFP is doing good in the industry, outperforming 68.03% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 0.89
Altman-Z N/A
ROIC/WACCN/A
WACC17.59%
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

More info and screens

7

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.
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 2.44%.
PNFP shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.02% yearly.
EPS 1Y (TTM)41.08%
EPS 3Y-4.22%
EPS 5Y2%
EPS Q2Q%22.04%
Revenue 1Y (TTM)2.44%
Revenue growth 3Y9.35%
Revenue growth 5Y11.02%
Sales Q2Q%16.72%

3.2 Future

Based on estimates for the next years, PNFP will show a very strong growth in Earnings Per Share. The EPS will grow by 22.12% on average per year.
PNFP is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.29% yearly.
EPS Next Y37.94%
EPS Next 2Y24.56%
EPS Next 3Y22.12%
EPS Next 5YN/A
Revenue Next Year14.96%
Revenue Next 2Y13.55%
Revenue Next 3Y12.29%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
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

More info and screens

6

4. Valuation

4.1 Price/Earnings Ratio

PNFP is valuated reasonably with a Price/Earnings ratio of 10.93.
Based on the Price/Earnings ratio, PNFP is valued a bit cheaper than the industry average as 64.45% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 27.69. PNFP is valued rather cheaply when compared to this.
PNFP is valuated reasonably with a Price/Forward Earnings ratio of 9.57.
PNFP's Price/Forward Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.18, PNFP is valued rather cheaply.
Industry RankSector Rank
PE 10.93
Fwd PE 9.57
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 indicates a somewhat cheap valuation: PNFP is cheaper than 74.17% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 8.89
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 22.12% in the coming years.
PEG (NY)0.29
PEG (5Y)5.46
EPS Next 2Y24.56%
EPS Next 3Y22.12%

More info and screens

6

5. Dividend

5.1 Amount

PNFP has a Yearly Dividend Yield of 1.10%.
With a Dividend Yield of 1.10, PNFP pays less dividend than the industry average, which is at 3.57. 81.84% of the companies listed in the same industry pay a better dividend than PNFP!
Compared to an average S&P500 Dividend Yield of 2.34, PNFP's dividend is way lower than the S&P500 average.
Industry RankSector 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
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 15.03% 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.
DP15.03%
EPS Next 2Y24.56%
EPS Next 3Y22.12%
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

More info and screens

PINNACLE FINANCIAL PARTNERS

NASDAQ:PNFP (10/21/2025, 10:51:57 AM)

88.21

+0.07 (+0.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-15 2025-10-15/amc
Earnings (Next)01-19 2026-01-19/amc
Inst Owners87.38%
Inst Owner Change-0.06%
Ins Owners1.72%
Ins Owner Change-1.7%
Market Cap6.84B
Analysts75
Price Target113.73 (28.93%)
Short Float %3.2%
Short Ratio1.55
Dividend
Industry RankSector Rank
Dividend Yield 1.1%
Yearly Dividend1.09
Dividend Growth(5Y)11.22%
DP15.03%
Div Incr Years0
Div Non Decr Years11
Ex-Date08-01 2025-08-01 (0.24)
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)0.14%
EPS NQ rev (3m)3.98%
EPS NY rev (1m)0%
EPS NY rev (3m)3.48%
Revenue NQ rev (1m)-0.09%
Revenue NQ rev (3m)2.04%
Revenue NY rev (1m)-0.05%
Revenue NY rev (3m)1.55%
Valuation
Industry RankSector Rank
PE 10.93
Fwd PE 9.57
P/S 3.58
P/FCF 8.89
P/OCF 7.94
P/B 1.03
P/tB 1.43
EV/EBITDA N/A
EPS(TTM)8.07
EY9.15%
EPS(NY)9.22
Fwd EY10.45%
FCF(TTM)9.92
FCFY11.24%
OCF(TTM)11.11
OCFY12.59%
SpS24.63
BVpS85.58
TBVpS61.49
PEG (NY)0.29
PEG (5Y)5.46
Profitability
Industry RankSector 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
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-Score8
Asset Turnover0.03
Health
Industry RankSector 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
WACC17.59%
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 Y37.94%
EPS Next 2Y24.56%
EPS Next 3Y22.12%
EPS Next 5YN/A
Revenue 1Y (TTM)2.44%
Revenue growth 3Y9.35%
Revenue growth 5Y11.02%
Sales Q2Q%16.72%
Revenue Next Year14.96%
Revenue Next 2Y13.55%
Revenue Next 3Y12.29%
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%