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PINNACLE FINANCIAL PARTNERS (PNFP) Stock Fundamental Analysis

NASDAQ:PNFP - US72346Q1040 - Common Stock

97.37 USD
-1.98 (-1.99%)
Last: 9/5/2025, 6:41:46 PM
97.37 USD
0 (0%)
After Hours: 9/5/2025, 6:41:46 PM
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to PNFP. PNFP was compared to 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 growing strongly while it is still valued neutral. This is a good combination! Finally PNFP also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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4

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.
Each year in the past 5 years PNFP has been profitable.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

1.2 Ratios

The Return On Assets of PNFP (1.06%) is better than 71.21% of its industry peers.
Looking at the Return On Equity, with a value of 8.76%, PNFP is in line with its industry, outperforming 53.79% of the companies in the same 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

Looking at the Profit Margin, with a value of 30.46%, PNFP belongs to the top of the industry, outperforming 82.32% 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

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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
Compared to 5 years ago, PNFP has more shares outstanding
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.
PNFP has a Debt to FCF ratio of 0.89. This is in the better half of the industry: PNFP outperforms 73.74% of its industry peers.
PNFP has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
PNFP's Debt to Equity ratio of 0.10 is fine compared to the rest of the industry. PNFP outperforms 67.93% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 0.89
Altman-Z N/A
ROIC/WACCN/A
WACC17.02%
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

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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 38.02%, which is quite impressive.
The Earnings Per Share has been growing slightly by 2.00% on average over the past years.
Looking at the last year, PNFP shows a quite strong growth in Revenue. The Revenue has grown by 19.44% in the last year.
The Revenue has been growing by 11.02% on average over the past years. This is quite good.
EPS 1Y (TTM)38.02%
EPS 3Y-4.22%
EPS 5Y2%
EPS Q2Q%212.5%
Revenue 1Y (TTM)19.44%
Revenue growth 3Y9.35%
Revenue growth 5Y11.02%
Sales Q2Q%37.77%

3.2 Future

PNFP is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 22.54% yearly.
PNFP is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.22% yearly.
EPS Next Y37.64%
EPS Next 2Y25.82%
EPS Next 3Y22.54%
EPS Next 5YN/A
Revenue Next Year15.24%
Revenue Next 2Y13.5%
Revenue Next 3Y12.22%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
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

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6

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 12.71, the valuation of PNFP can be described as correct.
The rest of the industry has a similar Price/Earnings ratio as PNFP.
The average S&P500 Price/Earnings ratio is at 27.06. PNFP is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 10.36, the valuation of PNFP can be described as very reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as PNFP.
PNFP is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.69, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.71
Fwd PE 10.36
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

PNFP's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. PNFP is cheaper than 72.47% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.82
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.
PNFP's earnings are expected to grow with 22.54% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.34
PEG (5Y)6.36
EPS Next 2Y25.82%
EPS Next 3Y22.54%

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9

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.75%, PNFP is a good candidate for dividend investing.
PNFP's Dividend Yield is rather good when compared to the industry average which is at 3.56. PNFP pays more dividend than 91.41% of the companies in the same industry.
PNFP's Dividend Yield is rather good when compared to the S&P500 average which is at 2.45.
Industry RankSector Rank
Dividend Yield 6.75%

5.2 History

The dividend of PNFP is nicely growing with an annual growth rate of 11.22%!
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)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.
The dividend of PNFP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP15.03%
EPS Next 2Y25.82%
EPS Next 3Y22.54%
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

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PINNACLE FINANCIAL PARTNERS

NASDAQ:PNFP (9/5/2025, 6:41:46 PM)

After market: 97.37 0 (0%)

97.37

-1.98 (-1.99%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-15 2025-07-15/amc
Earnings (Next)10-13 2025-10-13/amc
Inst Owners87.61%
Inst Owner Change-1.25%
Ins Owners1.67%
Ins Owner Change13.24%
Market Cap7.55B
Analysts74.74
Price Target116.19 (19.33%)
Short Float %1.92%
Short Ratio1.05
Dividend
Industry RankSector Rank
Dividend Yield 6.75%
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)-9.63%
PT rev (3m)0.98%
EPS NQ rev (1m)0.83%
EPS NQ rev (3m)1.5%
EPS NY rev (1m)3.26%
EPS NY rev (3m)3.8%
Revenue NQ rev (1m)0.09%
Revenue NQ rev (3m)1.24%
Revenue NY rev (1m)-0.05%
Revenue NY rev (3m)1.65%
Valuation
Industry RankSector Rank
PE 12.71
Fwd PE 10.36
P/S 3.95
P/FCF 9.82
P/OCF 8.77
P/B 1.14
P/tB 1.58
EV/EBITDA N/A
EPS(TTM)7.66
EY7.87%
EPS(NY)9.4
Fwd EY9.66%
FCF(TTM)9.92
FCFY10.19%
OCF(TTM)11.11
OCFY11.41%
SpS24.63
BVpS85.58
TBVpS61.49
PEG (NY)0.34
PEG (5Y)6.36
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
WACC17.02%
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)38.02%
EPS 3Y-4.22%
EPS 5Y2%
EPS Q2Q%212.5%
EPS Next Y37.64%
EPS Next 2Y25.82%
EPS Next 3Y22.54%
EPS Next 5YN/A
Revenue 1Y (TTM)19.44%
Revenue growth 3Y9.35%
Revenue growth 5Y11.02%
Sales Q2Q%37.77%
Revenue Next Year15.24%
Revenue Next 2Y13.5%
Revenue Next 3Y12.22%
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%