PINNACLE FINANCIAL PARTNERS (PNFP) Fundamental Analysis & Valuation

NYSE:PNFP • US72348N1090

Current stock price

99.26 USD
+1.55 (+1.59%)
Last:

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.
  • Each year in the past 5 years PNFP has been profitable.
  • PNFP had a positive operating cash flow in each of the past 5 years.
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

  • PNFP's Return On Assets of 1.09% is fine compared to the rest of the industry. PNFP outperforms 60.37% of its industry peers.
  • Looking at the Return On Equity, with a value of 8.90%, PNFP is in line with its industry, outperforming 44.15% of the companies in the same 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

  • Looking at the Profit Margin, with a value of 30.50%, PNFP is in the better half of the industry, outperforming 76.60% of the companies in the same industry.
  • PNFP's Profit Margin has improved 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) 30.5%
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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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.
  • The number of shares outstanding for PNFP has been increased compared to 1 year ago.
  • The number of shares outstanding for PNFP has been increased compared to 5 years ago.
  • 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 Debt to FCF ratio of 1.12. This is in the better half of the industry: PNFP outperforms 65.43% 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 64.89% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.12
Altman-Z N/A
ROIC/WACCN/A
WACC13.68%
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

9

3. PNFP Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 41.27% over the past year.
  • The Earnings Per Share has been growing by 11.41% on average over the past years. This is quite good.
  • The Revenue has grown by 58.57% in the past year. This is a very strong growth!
  • The Revenue has been growing by 12.51% on average over the past years. This is quite good.
EPS 1Y (TTM)41.27%
EPS 3Y5.41%
EPS 5Y11.41%
EPS Q2Q%25.79%
Revenue 1Y (TTM)58.57%
Revenue growth 3Y9.96%
Revenue growth 5Y12.51%
Sales Q2Q%162.93%

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 17.75% yearly.
  • The Revenue is expected to grow by 41.44% on average over the next years. This is a very strong growth
EPS Next Y23.04%
EPS Next 2Y19.55%
EPS Next 3Y17.75%
EPS Next 5YN/A
Revenue Next Year137.88%
Revenue Next 2Y61.2%
Revenue Next 3Y41.44%
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 2 4 6 8 10

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5

4. PNFP Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 11.15 indicates a reasonable valuation of PNFP.
  • Compared to the rest of the industry, the Price/Earnings ratio of PNFP indicates a somewhat cheap valuation: PNFP is cheaper than 64.89% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.54, PNFP is valued rather cheaply.
  • A Price/Forward Earnings ratio of 8.26 indicates a reasonable valuation of PNFP.
  • 81.65% of the companies in the same industry are more expensive than PNFP, based on the Price/Forward Earnings ratio.
  • PNFP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.68.
Industry RankSector Rank
PE 11.15
Fwd PE 8.26
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 slightly more expensive valuation: PNFP is more expensive than 76.33% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 22.55
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.
  • A more expensive valuation may be justified as PNFP's earnings are expected to grow with 17.75% in the coming years.
PEG (NY)0.48
PEG (5Y)0.98
EPS Next 2Y19.55%
EPS Next 3Y17.75%

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

6

5. PNFP Dividend Analysis

5.1 Amount

  • PNFP has a Yearly Dividend Yield of 2.05%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.55, PNFP is paying slightly less dividend.
  • PNFP's Dividend Yield is comparable with the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 2.05%

5.2 History

  • On average, the dividend of PNFP grows each year by 9.26%, 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)9.26%
Div Incr Years1
Div Non Decr Years12
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 14.34% 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.
DP14.34%
EPS Next 2Y19.55%
EPS Next 3Y17.75%
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 (4/30/2026, 2:26:27 PM)

99.26

+1.55 (+1.59%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength71.43
Industry Growth91.3
Earnings (Last)04-22
Earnings (Next)07-13
Inst Owners47.81%
Inst Owner Change186.51%
Ins Owners1.07%
Ins Owner Change23.32%
Market Cap15.00B
Revenue(TTM)2.81B
Net Income(TTM)626.67M
Analysts80
Price Target117.18 (18.05%)
Short Float %2.82%
Short Ratio2.72
Dividend
Industry RankSector Rank
Dividend Yield 2.05%
Yearly Dividend1.16
Dividend Growth(5Y)9.26%
DP14.34%
Div Incr Years1
Div Non Decr Years12
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)-0.23%
PT rev (3m)2.51%
EPS NQ rev (1m)0.79%
EPS NQ rev (3m)2.36%
EPS NY rev (1m)0.45%
EPS NY rev (3m)2.27%
Revenue NQ rev (1m)0.16%
Revenue NQ rev (3m)0.74%
Revenue NY rev (1m)-1.19%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 11.15
Fwd PE 8.26
P/S 7.3
P/FCF 22.55
P/OCF 19.76
P/B 2.13
P/tB 2.9
EV/EBITDA N/A
EPS(TTM)8.9
EY8.97%
EPS(NY)12.02
Fwd EY12.11%
FCF(TTM)4.4
FCFY4.44%
OCF(TTM)5.02
OCFY5.06%
SpS13.6
BVpS46.62
TBVpS34.19
PEG (NY)0.48
PEG (5Y)0.98
Graham Number96.6205 (-2.66%)
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
WACC13.68%
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)41.27%
EPS 3Y5.41%
EPS 5Y11.41%
EPS Q2Q%25.79%
EPS Next Y23.04%
EPS Next 2Y19.55%
EPS Next 3Y17.75%
EPS Next 5YN/A
Revenue 1Y (TTM)58.57%
Revenue growth 3Y9.96%
Revenue growth 5Y12.51%
Sales Q2Q%162.93%
Revenue Next Year137.88%
Revenue Next 2Y61.2%
Revenue Next 3Y41.44%
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.


What is the valuation status of PINNACLE FINANCIAL PARTNERS (PNFP) stock?

ChartMill assigns a valuation rating of 5 / 10 to PINNACLE FINANCIAL PARTNERS (PNFP). This can be considered as Fairly Valued.


Can you provide the profitability details for PINNACLE FINANCIAL PARTNERS?

PINNACLE FINANCIAL PARTNERS (PNFP) has a profitability rating of 4 / 10.


What is the financial health of PINNACLE FINANCIAL PARTNERS (PNFP) stock?

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


What is the earnings growth outlook for PINNACLE FINANCIAL PARTNERS?

The Earnings per Share (EPS) of PINNACLE FINANCIAL PARTNERS (PNFP) is expected to grow by 23.04% in the next year.