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PINNACLE FINANCIAL PARTNERS (PNFP) Stock Fundamental Analysis

NASDAQ:PNFP - Nasdaq - US72346Q1040 - Common Stock - Currency: USD

104.94  +1.35 (+1.3%)

After market: 104.94 0 (0%)

Fundamental Rating

4

Overall PNFP gets a fundamental rating of 4 out of 10. We evaluated PNFP against 395 industry peers in the Banks industry. PNFP may be in some trouble as it scores bad on both profitability and health. PNFP has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

PNFP had positive earnings in the past year.
In the past year PNFP had a positive cash flow from operations.
In the past 5 years PNFP has always 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

1.2 Ratios

Looking at the Return On Assets, with a value of 0.88%, PNFP is in line with its industry, outperforming 53.42% of the companies in the same industry.
PNFP's Return On Equity of 7.28% is in line compared to the rest of the industry. PNFP outperforms 41.27% of its industry peers.
Industry RankSector Rank
ROA 0.88%
ROE 7.28%
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

PNFP has a Profit Margin of 26.89%. This is in the better half of the industry: PNFP outperforms 70.89% of its industry peers.
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) 26.89%
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.
PNFP has more shares outstanding than it did 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 an improved debt to assets ratio.
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 1.18. This is a very positive value and a sign of high solvency as it would only need 1.18 years to pay back of all of its debts.
PNFP has a better Debt to FCF ratio (1.18) than 68.86% of its industry peers.
A Debt/Equity ratio of 0.11 indicates that PNFP is not too dependend on debt financing.
PNFP's Debt to Equity ratio of 0.11 is fine compared to the rest of the industry. PNFP outperforms 68.86% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.18
Altman-Z N/A
ROIC/WACCN/A
WACC17.1%
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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5

3. Growth

3.1 Past

PNFP shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -5.97%.
The Earnings Per Share has been growing slightly by 2.00% on average over the past years.
PNFP shows a small growth in Revenue. In the last year, the Revenue has grown by 2.89%.
The Revenue has been growing by 11.02% on average over the past years. This is quite good.
EPS 1Y (TTM)-5.97%
EPS 3Y-4.22%
EPS 5Y2%
EPS Q2Q%23.38%
Revenue 1Y (TTM)2.89%
Revenue growth 3Y9.35%
Revenue growth 5Y11.02%
Sales Q2Q%8.11%

3.2 Future

The Earnings Per Share is expected to grow by 19.72% on average over the next years. This is quite good.
PNFP is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.95% yearly.
EPS Next Y32.59%
EPS Next 2Y22%
EPS Next 3Y19.72%
EPS Next 5YN/A
Revenue Next Year13.37%
Revenue Next 2Y12.6%
Revenue Next 3Y11.95%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
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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4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 16.66 indicates a correct valuation of PNFP.
PNFP's Price/Earnings ratio is a bit more expensive when compared to the industry. PNFP is more expensive than 74.68% of the companies in the same industry.
PNFP's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.35.
PNFP is valuated reasonably with a Price/Forward Earnings ratio of 11.87.
67.59% of the companies in the same industry are cheaper than PNFP, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.19, PNFP is valued a bit cheaper.
Industry RankSector Rank
PE 16.66
Fwd PE 11.87
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 in line with the industry average.
Industry RankSector Rank
P/FCF 13.93
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

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 19.72% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.51
PEG (5Y)8.33
EPS Next 2Y22%
EPS Next 3Y19.72%

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5

5. Dividend

5.1 Amount

PNFP has a yearly dividend return of 0.91%, which is pretty low.
Compared to an average industry Dividend Yield of 3.46, PNFP's dividend is way lower than its industry peers. On top of this 84.05% of the companies listed in the same industry pay a better dividend than PNFP!
Compared to an average S&P500 Dividend Yield of 2.40, PNFP's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.91%

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
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 18.01% of its income as dividend. This is a sustainable payout ratio.
PNFP's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP18.01%
EPS Next 2Y22%
EPS Next 3Y19.72%
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 (6/20/2025, 8:00:00 PM)

After market: 104.94 0 (0%)

104.94

+1.35 (+1.3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-14 2025-04-14/amc
Earnings (Next)07-14 2025-07-14/amc
Inst Owners87.79%
Inst Owner Change-2.35%
Ins Owners1.67%
Ins Owner Change11.12%
Market Cap8.14B
Analysts78.82
Price Target116.98 (11.47%)
Short Float %2.1%
Short Ratio3.15
Dividend
Industry RankSector Rank
Dividend Yield 0.91%
Yearly Dividend1.09
Dividend Growth(5Y)11.22%
DP18.01%
Div Incr Years0
Div Non Decr Years11
Ex-Date05-02 2025-05-02 (0.24)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.21%
Min EPS beat(2)3.56%
Max EPS beat(2)4.85%
EPS beat(4)3
Avg EPS beat(4)-12.42%
Min EPS beat(4)-60.92%
Max EPS beat(4)4.85%
EPS beat(8)5
Avg EPS beat(8)-5.56%
EPS beat(12)7
Avg EPS beat(12)-4.25%
EPS beat(16)11
Avg EPS beat(16)-1.02%
Revenue beat(2)0
Avg Revenue beat(2)-4.93%
Min Revenue beat(2)-6.19%
Max Revenue beat(2)-3.68%
Revenue beat(4)0
Avg Revenue beat(4)-7%
Min Revenue beat(4)-17.4%
Max Revenue beat(4)-0.71%
Revenue beat(8)0
Avg Revenue beat(8)-5.36%
Revenue beat(12)2
Avg Revenue beat(12)-4.44%
Revenue beat(16)4
Avg Revenue beat(16)-3.28%
PT rev (1m)1.67%
PT rev (3m)-11.31%
EPS NQ rev (1m)0.14%
EPS NQ rev (3m)-1.04%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.94%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.72%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.82%
Valuation
Industry RankSector Rank
PE 16.66
Fwd PE 11.87
P/S 4.59
P/FCF 13.93
P/OCF 11.88
P/B 1.24
P/tB 1.74
EV/EBITDA N/A
EPS(TTM)6.3
EY6%
EPS(NY)8.84
Fwd EY8.42%
FCF(TTM)7.53
FCFY7.18%
OCF(TTM)8.84
OCFY8.42%
SpS22.84
BVpS84.36
TBVpS60.26
PEG (NY)0.51
PEG (5Y)8.33
Profitability
Industry RankSector Rank
ROA 0.88%
ROE 7.28%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.89%
GM N/A
FCFM 32.98%
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-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.18
Debt/EBITDA N/A
Cap/Depr 98.32%
Cap/Sales 5.7%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 122.67%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC17.1%
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)-5.97%
EPS 3Y-4.22%
EPS 5Y2%
EPS Q2Q%23.38%
EPS Next Y32.59%
EPS Next 2Y22%
EPS Next 3Y19.72%
EPS Next 5YN/A
Revenue 1Y (TTM)2.89%
Revenue growth 3Y9.35%
Revenue growth 5Y11.02%
Sales Q2Q%8.11%
Revenue Next Year13.37%
Revenue Next 2Y12.6%
Revenue Next 3Y11.95%
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-29.01%
FCF growth 3Y8.38%
FCF growth 5Y15.7%
OCF growth 1Y-24.91%
OCF growth 3Y11.21%
OCF growth 5Y15.95%