99.37 USD
-1.42 (-1.41%)
99 USD
-0.37 (-0.37%)
Overall PNFP gets a fundamental rating of 5 out of 10. We evaluated PNFP against 388 industry peers in the Banks industry. PNFP has a medium profitability rating, but doesn't score so well on its financial health evaluation. PNFP is not overvalued while it is showing excellent growth. This is an interesting combination.
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
Looking at the Return On Assets, with a value of 1.09%, PNFP is in the better half of the industry, outperforming 69.85% of the companies in the same industry.
PNFP's Return On Equity of 8.87% is in line compared to the rest of the industry. PNFP outperforms 50.26% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.09% | ||
| ROE | 8.87% | ||
| 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 30.59% is amongst the best of the industry. PNFP outperforms 81.19% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 30.59% | ||
| 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.
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.
Compared to 1 year ago, PNFP has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of PNFP is 0.72, which is an excellent value as it means it would take PNFP, only 0.72 years of fcf income to pay off all of its debts.
PNFP's Debt to FCF ratio of 0.72 is fine compared to the rest of the industry. PNFP outperforms 74.23% 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 64.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 0.72 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.93%
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.
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.
The Revenue has grown by 19.92% in the past year. This is quite good.
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)19.92%
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 24.40% on average per year.
Based on estimates for the next years, PNFP will show a very strong growth in Revenue. The Revenue will grow by 43.53% on average per year.
EPS Next Y43.2%
EPS Next 2Y28.78%
EPS Next 3Y24.4%
EPS Next 5YN/A
Revenue Next Year17.11%
Revenue Next 2Y63.62%
Revenue Next 3Y43.53%
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 accelerating.
4. Valuation
4.1 Price/Earnings Ratio
PNFP is valuated correctly with a Price/Earnings ratio of 12.31.
PNFP's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 26.92, PNFP is valued rather cheaply.
A Price/Forward Earnings ratio of 10.09 indicates a reasonable valuation of PNFP.
PNFP's Price/Forward Earnings ratio is in line with the industry average.
PNFP is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.46, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.31 | ||
| Fwd PE | 10.09 |
4.2 Price Multiples
81.96% of the companies in the same industry are more expensive than PNFP, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.35 | ||
| 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 24.40% in the coming years.
PEG (NY)0.29
PEG (5Y)6.16
EPS Next 2Y28.78%
EPS Next 3Y24.4%
5. Dividend
5.1 Amount
PNFP has a yearly dividend return of 0.95%, which is pretty low.
Compared to an average industry Dividend Yield of 2.74, PNFP's dividend is way lower than its industry peers. On top of this 82.47% of the companies listed in the same industry pay a better dividend than PNFP!
With a Dividend Yield of 0.95, PNFP pays less dividend than the S&P500 average, which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.95% |
5.2 History
On average, the dividend of PNFP grows each year by 11.22%, 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)11.22%
Div Incr Years0
Div Non Decr Years11
5.3 Sustainability
PNFP pays out 14.64% 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.
DP14.64%
EPS Next 2Y28.78%
EPS Next 3Y24.4%
99.37
-1.42 (-1.41%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners87.65%
Inst Owner Change0.31%
Ins Owners1.71%
Ins Owner Change1.16%
Market Cap7.71B
Revenue(TTM)1.99B
Net Income(TTM)608.15M
Analysts76
Price Target113.46 (14.18%)
Short Float %6.54%
Short Ratio4.73
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.95% |
Yearly Dividend1.09
Dividend Growth(5Y)11.22%
DP14.64%
Div Incr Years0
Div Non Decr Years11
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.98%
Min EPS beat(2)3.26%
Max EPS beat(2)8.71%
EPS beat(4)4
Avg EPS beat(4)5.1%
Min EPS beat(4)3.26%
Max EPS beat(4)8.71%
EPS beat(8)6
Avg EPS beat(8)-4.61%
EPS beat(12)8
Avg EPS beat(12)-3.94%
EPS beat(16)11
Avg EPS beat(16)-1.87%
Revenue beat(2)1
Avg Revenue beat(2)0.3%
Min Revenue beat(2)-0.88%
Max Revenue beat(2)1.49%
Revenue beat(4)1
Avg Revenue beat(4)-2.32%
Min Revenue beat(4)-6.19%
Max Revenue beat(4)1.49%
Revenue beat(8)1
Avg Revenue beat(8)-4.35%
Revenue beat(12)1
Avg Revenue beat(12)-4.74%
Revenue beat(16)3
Avg Revenue beat(16)-3.54%
PT rev (1m)4.12%
PT rev (3m)-1.33%
EPS NQ rev (1m)0.37%
EPS NQ rev (3m)5.68%
EPS NY rev (1m)0.44%
EPS NY rev (3m)3.81%
Revenue NQ rev (1m)-0.02%
Revenue NQ rev (3m)1.82%
Revenue NY rev (1m)0.47%
Revenue NY rev (3m)1.82%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.31 | ||
| Fwd PE | 10.09 | ||
| P/S | 3.88 | ||
| P/FCF | 7.35 | ||
| P/OCF | 6.74 | ||
| P/B | 1.12 | ||
| P/tB | 1.55 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.07
EY8.12%
EPS(NY)9.85
Fwd EY9.91%
FCF(TTM)13.52
FCFY13.6%
OCF(TTM)14.74
OCFY14.83%
SpS25.62
BVpS88.38
TBVpS64.31
PEG (NY)0.29
PEG (5Y)6.16
Graham Number126.68
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.09% | ||
| ROE | 8.87% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 30.59% | ||
| GM | N/A | ||
| FCFM | 52.74% |
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 Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 0.72 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 86.58% | ||
| Cap/Sales | 4.77% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 172.41% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC16.93%
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 Y43.2%
EPS Next 2Y28.78%
EPS Next 3Y24.4%
EPS Next 5YN/A
Revenue 1Y (TTM)19.92%
Revenue growth 3Y9.35%
Revenue growth 5Y11.02%
Sales Q2Q%16.72%
Revenue Next Year17.11%
Revenue Next 2Y63.62%
Revenue Next 3Y43.53%
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 1Y163.91%
FCF growth 3Y8.38%
FCF growth 5Y15.7%
OCF growth 1Y140.18%
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 5 / 10 and the dividend payout ratio is 14.64%.