PINNACLE FINANCIAL PARTNERS (PNFP) Stock Fundamental Analysis

NYSE:PNFP • US72348N1090

96.13 USD
+1.01 (+1.06%)
At close: Feb 13, 2026
96.13 USD
0 (0%)
After Hours: 2/13/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, PNFP scores 4 out of 10 in our fundamental rating. PNFP was compared to 381 industry peers in the Banks industry. PNFP may be in some trouble as it scores bad on both profitability and health. PNFP is not valued too expensively and it also shows a decent growth rate. PNFP also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • PNFP had positive earnings in the past year.
  • PNFP had a positive operating cash flow in the past year.
  • Of the past 5 years PNFP 4 years were profitable.
  • Of the past 5 years PNFP 4 years 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 200M 400M 600M 800M

1.2 Ratios

  • PNFP has a better Return On Assets (1.09%) than 69.03% of its industry peers.
  • Looking at the Return On Equity, with a value of 8.87%, PNFP is in line with its industry, outperforming 50.66% of the companies in the same industry.
Industry RankSector 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
PNFP Yearly ROA, ROE, ROICPNFP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

  • The Profit Margin of PNFP (30.59%) is better than 80.05% 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) 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
PNFP Yearly Profit, Operating, Gross MarginsPNFP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
PNFP Yearly Shares OutstandingPNFP Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B 50B

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.
  • The Debt to FCF ratio of PNFP (0.72) is better than 74.80% of its industry peers.
  • A Debt/Equity ratio of 0.11 indicates that PNFP is not too dependend on debt financing.
  • The Debt to Equity ratio of PNFP (0.11) is better than 64.83% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.72
Altman-Z N/A
ROIC/WACCN/A
WACC13.61%
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 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 100M 200M 300M 400M 500M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 41.58% over the past year.
  • 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.
EPS 1Y (TTM)41.58%
EPS 3Y5.41%
EPS 5Y11.41%
EPS Q2Q%17.89%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%10.26%

3.2 Future

  • The Earnings Per Share is expected to grow by 17.93% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 40.26% on average over the next years. This is a very strong growth
EPS Next Y23.11%
EPS Next 2Y19.6%
EPS Next 3Y17.93%
EPS Next 5YN/A
Revenue Next Year139.99%
Revenue Next 2Y60.67%
Revenue Next 3Y40.26%
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.
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 1B 2B 3B 4B 5B
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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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 11.43, the valuation of PNFP can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of PNFP indicates a somewhat cheap valuation: PNFP is cheaper than 67.19% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.68. PNFP is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 9.29, the valuation of PNFP can be described as very reasonable.
  • 81.10% of the companies in the same industry are more expensive than PNFP, based on the Price/Forward Earnings ratio.
  • PNFP is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.06, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.43
Fwd PE 9.29
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 is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 13.86
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.
  • PNFP's earnings are expected to grow with 17.93% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.49
PEG (5Y)1
EPS Next 2Y19.6%
EPS Next 3Y17.93%

More info and screens

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

9

5. Dividend

5.1 Amount

  • PNFP has a Yearly Dividend Yield of 6.69%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.78, PNFP pays a better dividend. On top of this PNFP pays more dividend than 93.96% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.84, PNFP pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.69%

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 their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)11.22%
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

  • 14.64% of the earnings are spent on dividend by PNFP. This is a low number and sustainable payout ratio.
  • PNFP's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP14.64%
EPS Next 2Y19.6%
EPS Next 3Y17.93%
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 200M 400M 600M 800M
PNFP Dividend Payout.PNFP Dividend Payout, showing the Payout Ratio.PNFP Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

PINNACLE FINANCIAL PARTNERS

NYSE:PNFP (2/13/2026, 8:04:00 PM)

After market: 96.13 0 (0%)

96.13

+1.01 (+1.06%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-13
Inst Owners87.64%
Inst Owner Change1.04%
Ins Owners1.61%
Ins Owner Change25.85%
Market Cap14.53B
Revenue(TTM)N/A
Net Income(TTM)608.15M
Analysts78.33
Price Target117.96 (22.71%)
Short Float %5.1%
Short Ratio2.54
Dividend
Industry RankSector Rank
Dividend Yield 6.69%
Yearly Dividend1.09
Dividend Growth(5Y)11.22%
DP14.64%
Div Incr Years0
Div Non Decr Years11
Ex-Date02-06
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)3.97%
PT rev (3m)7.5%
EPS NQ rev (1m)0.87%
EPS NQ rev (3m)2.45%
EPS NY rev (1m)0.37%
EPS NY rev (3m)1.02%
Revenue NQ rev (1m)0.47%
Revenue NQ rev (3m)0.83%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.66%
Valuation
Industry RankSector Rank
PE 11.43
Fwd PE 9.29
P/S 7.31
P/FCF 13.86
P/OCF 12.71
P/B 2.12
P/tB 2.91
EV/EBITDA N/A
EPS(TTM)8.41
EY8.75%
EPS(NY)10.35
Fwd EY10.77%
FCF(TTM)6.93
FCFY7.21%
OCF(TTM)7.56
OCFY7.87%
SpS13.15
BVpS45.35
TBVpS33
PEG (NY)0.49
PEG (5Y)1
Graham Number92.63
Profitability
Industry RankSector 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 RankSector 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
WACC13.61%
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)41.58%
EPS 3Y5.41%
EPS 5Y11.41%
EPS Q2Q%17.89%
EPS Next Y23.11%
EPS Next 2Y19.6%
EPS Next 3Y17.93%
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%10.26%
Revenue Next Year139.99%
Revenue Next 2Y60.67%
Revenue Next 3Y40.26%
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 4 / 10 to PNFP.


Can you provide the valuation status for PINNACLE FINANCIAL PARTNERS?

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 3 / 10.


How financially healthy is PINNACLE FINANCIAL PARTNERS?

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


How sustainable is the dividend of PINNACLE FINANCIAL PARTNERS (PNFP) stock?

The dividend rating of PINNACLE FINANCIAL PARTNERS (PNFP) is 9 / 10 and the dividend payout ratio is 14.64%.