PINNACLE FINANCIAL PARTNERS (PNFP) Fundamental Analysis & Valuation

NYSE:PNFP • US72348N1090

Current stock price

83.18 USD
+0.24 (+0.29%)
At close:
83.18 USD
0 (0%)
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This PNFP fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. PNFP Profitability Analysis

1.1 Basic Checks

  • In the past year PNFP was profitable.
  • In the past year PNFP had a positive cash flow from operations.
  • In the past 5 years PNFP has always been profitable.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M

1.2 Ratios

  • With a decent Return On Assets value of 1.09%, PNFP is doing good in the industry, outperforming 62.47% of the companies in the same industry.
  • PNFP has a Return On Equity (8.90%) which is comparable to the rest of the industry.
Industry RankSector Rank
ROA 1.09%
ROE 8.9%
ROIC N/A
ROA(3y)1.03%
ROA(5y)1.15%
ROE(3y)8.37%
ROE(5y)8.93%
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 2025 2 4 6 8

1.3 Margins

  • PNFP's Profit Margin of 30.50% is fine compared to the rest of the industry. PNFP outperforms 77.17% of its industry peers.
  • In the last couple of years the Profit Margin of PNFP has grown nicely.
  • PNFP does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 30.5%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.76%
PM growth 5Y2.67%
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 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • Compared to 1 year ago, PNFP has more shares outstanding
  • Compared to 5 years ago, PNFP has more shares outstanding
  • Compared to 1 year ago, PNFP has a worse debt to assets ratio.
PNFP Yearly Shares OutstandingPNFP Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 10B 20B 30B 40B 50B

2.2 Solvency

  • PNFP has a debt to FCF ratio of 1.12. This is a very positive value and a sign of high solvency as it would only need 1.12 years to pay back of all of its debts.
  • PNFP has a better Debt to FCF ratio (1.12) than 66.67% of its industry peers.
  • A Debt/Equity ratio of 0.11 indicates that PNFP is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.11, PNFP is in the better half of the industry, outperforming 65.62% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.12
Altman-Z N/A
ROIC/WACCN/A
WACC14.53%
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 2025 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 2025 200M 400M 600M

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

8

3. PNFP Growth Analysis

3.1 Past

  • PNFP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 41.58%, which is quite impressive.
  • The Earnings Per Share has been growing by 11.41% on average over the past years. This is quite good.
  • PNFP shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 18.31%.
  • The Revenue has been growing by 12.51% 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)18.31%
Revenue growth 3Y9.96%
Revenue growth 5Y12.51%
Sales Q2Q%10.26%

3.2 Future

  • Based on estimates for the next years, PNFP will show a quite strong growth in Earnings Per Share. The EPS will grow by 18.87% on average per year.
  • The Revenue is expected to grow by 41.34% on average over the next years. This is a very strong growth
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

  • 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 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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5

4. PNFP Valuation Analysis

4.1 Price/Earnings Ratio

  • PNFP is valuated reasonably with a Price/Earnings ratio of 9.89.
  • Based on the Price/Earnings ratio, PNFP is valued a bit cheaper than the industry average as 75.07% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of PNFP to the average of the S&P500 Index (25.23), we can say PNFP is valued rather cheaply.
  • PNFP is valuated reasonably with a Price/Forward Earnings ratio of 8.07.
  • Based on the Price/Forward Earnings ratio, PNFP is valued cheaper than 84.78% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 23.28. PNFP is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.89
Fwd PE 8.07
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

  • Based on the Price/Free Cash Flow ratio, PNFP is valued a bit more expensive than the industry average as 72.18% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 18.91
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

  • PNFP's 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)0.87
EPS Next 2Y19.58%
EPS Next 3Y18.87%

More info and screens

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

7

5. PNFP Dividend Analysis

5.1 Amount

  • PNFP has a Yearly Dividend Yield of 2.41%. Purely for dividend investing, there may be better candidates out there.
  • PNFP's Dividend Yield is comparable with the industry average which is at 2.80.
  • Compared to an average S&P500 Dividend Yield of 1.89, PNFP pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.41%

5.2 History

  • The dividend of PNFP is nicely growing with an annual growth rate of 9.26%!
  • PNFP has been paying a dividend for at least 10 years, so it has 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)9.26%
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

  • 14.34% 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.
DP14.34%
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 2025 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 (3/20/2026, 8:17:24 PM)

After market: 83.18 0 (0%)

83.18

+0.24 (+0.29%)

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 Cap12.58B
Revenue(TTM)2.05B
Net Income(TTM)626.67M
Analysts78.4
Price Target118.2 (42.1%)
Short Float %3.18%
Short Ratio2.55
Dividend
Industry RankSector Rank
Dividend Yield 2.41%
Yearly Dividend1.16
Dividend Growth(5Y)9.26%
DP14.34%
Div Incr Years0
Div Non Decr Years11
Ex-Date02-06
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.27%
Min EPS beat(2)-2.17%
Max EPS beat(2)8.71%
EPS beat(4)3
Avg EPS beat(4)3.34%
Min EPS beat(4)-2.17%
Max EPS beat(4)8.71%
EPS beat(8)5
Avg EPS beat(8)-5.24%
EPS beat(12)8
Avg EPS beat(12)-2.84%
EPS beat(16)10
Avg EPS beat(16)-2.41%
Revenue beat(2)1
Avg Revenue beat(2)-3.99%
Min Revenue beat(2)-9.47%
Max Revenue beat(2)1.49%
Revenue beat(4)1
Avg Revenue beat(4)-3.76%
Min Revenue beat(4)-9.47%
Max Revenue beat(4)1.49%
Revenue beat(8)1
Avg Revenue beat(8)-4.69%
Revenue beat(12)1
Avg Revenue beat(12)-4.82%
Revenue beat(16)3
Avg Revenue beat(16)-4.09%
PT rev (1m)0.2%
PT rev (3m)4.18%
EPS NQ rev (1m)-1.49%
EPS NQ rev (3m)5.37%
EPS NY rev (1m)-0.5%
EPS NY rev (3m)4.56%
Revenue NQ rev (1m)0.16%
Revenue NQ rev (3m)24.09%
Revenue NY rev (1m)0.31%
Revenue NY rev (3m)5.51%
Valuation
Industry RankSector Rank
PE 9.89
Fwd PE 8.07
P/S 6.12
P/FCF 18.91
P/OCF 16.57
P/B 1.79
P/tB 2.43
EV/EBITDA N/A
EPS(TTM)8.41
EY10.11%
EPS(NY)10.3
Fwd EY12.38%
FCF(TTM)4.4
FCFY5.29%
OCF(TTM)5.02
OCFY6.03%
SpS13.59
BVpS46.59
TBVpS34.16
PEG (NY)0.44
PEG (5Y)0.87
Graham Number93.89
Profitability
Industry RankSector Rank
ROA 1.09%
ROE 8.9%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 30.5%
GM N/A
FCFM 32.37%
ROA(3y)1.03%
ROA(5y)1.15%
ROE(3y)8.37%
ROE(5y)8.93%
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-4.76%
PM growth 5Y2.67%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.12
Debt/EBITDA N/A
Cap/Depr 82.01%
Cap/Sales 4.57%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 106.15%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC14.53%
ROIC/WACCN/A
Cap/Depr(3y)93.28%
Cap/Depr(5y)85.32%
Cap/Sales(3y)4.92%
Cap/Sales(5y)4.14%
Profit Quality(3y)118.28%
Profit Quality(5y)115.56%
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)18.31%
Revenue growth 3Y9.96%
Revenue growth 5Y12.51%
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 1Y-17.6%
FCF growth 3Y7.16%
FCF growth 5Y11.44%
OCF growth 1Y-16.07%
OCF growth 3Y7.86%
OCF growth 5Y12.2%

PINNACLE FINANCIAL PARTNERS / PNFP Fundamental Analysis FAQ

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

ChartMill assigns a fundamental rating of 5 / 10 to PNFP.


Can you provide the valuation status for PINNACLE FINANCIAL PARTNERS?

ChartMill assigns a valuation rating of 5 / 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.


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 7 / 10 and the dividend payout ratio is 14.34%.