PINNACLE FINANCIAL PARTNERS (PNFP) Fundamental Analysis & Valuation

NYSE:PNFP • US72348N1090

Current stock price

87.47 USD
-0.38 (-0.43%)
At close:
87.47 USD
0 (0%)
After Hours:

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

  • 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.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M

1.2 Ratios

  • PNFP has a Return On Assets of 1.09%. This is in the better half of the industry: PNFP outperforms 62.11% of its industry peers.
  • PNFP has a Return On Equity of 8.90%. This is comparable to the rest of the industry: PNFP outperforms 46.84% of its industry peers.
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

  • With a decent Profit Margin value of 30.50%, PNFP is doing good in the industry, outperforming 77.11% of the companies in the same industry.
  • 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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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
  • PNFP has a worse debt/assets ratio than last year.
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

  • The Debt to FCF ratio of PNFP is 1.12, which is an excellent value as it means it would take PNFP, only 1.12 years of fcf income to pay off 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 66.05% 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 65.53% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.12
Altman-Z N/A
ROIC/WACCN/A
WACC14.04%
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.
  • Measured over the past years, PNFP shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.41% on average per year.
  • The Revenue has grown by 18.31% in the past year. This is quite good.
  • Measured over the past years, PNFP shows a quite strong growth in Revenue. The Revenue has been growing by 12.51% on average per year.
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

  • The Earnings Per Share is expected to grow by 18.87% on average over the next years. This is quite good.
  • PNFP is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 41.34% yearly.
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.
  • 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.
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 10.40.
  • 73.42% of the companies in the same industry are more expensive than PNFP, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 25.60. PNFP is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 8.49, the valuation of PNFP can be described as reasonable.
  • Based on the Price/Forward Earnings ratio, PNFP is valued cheaper than 84.47% of the companies in the same industry.
  • PNFP is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.84, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.4
Fwd PE 8.49
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 73.42% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 19.88
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

  • 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 18.87% in the coming years.
PEG (NY)0.46
PEG (5Y)0.91
EPS Next 2Y19.58%
EPS Next 3Y18.87%

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

7

5. PNFP Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.36%, PNFP has a reasonable but not impressive dividend return.
  • PNFP's Dividend Yield is comparable with the industry average which is at 2.66.
  • Compared to an average S&P500 Dividend Yield of 1.88, PNFP pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.36%

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 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 (4/2/2026, 8:04:00 PM)

After market: 87.47 0 (0%)

87.47

-0.38 (-0.43%)

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 Cap13.23B
Revenue(TTM)2.05B
Net Income(TTM)626.67M
Analysts78.4
Price Target118.49 (35.46%)
Short Float %3.24%
Short Ratio2.96
Dividend
Industry RankSector Rank
Dividend Yield 2.36%
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 10.4
Fwd PE 8.49
P/S 6.44
P/FCF 19.88
P/OCF 17.42
P/B 1.88
P/tB 2.56
EV/EBITDA N/A
EPS(TTM)8.41
EY9.61%
EPS(NY)10.3
Fwd EY11.78%
FCF(TTM)4.4
FCFY5.03%
OCF(TTM)5.02
OCFY5.74%
SpS13.59
BVpS46.59
TBVpS34.16
PEG (NY)0.46
PEG (5Y)0.91
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
WACC14.04%
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.


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 22.48% in the next year.