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

Overall PNFP gets a fundamental rating of 4 out of 10. We evaluated PNFP against 381 industry peers in the Banks industry. PNFP has a bad profitability rating. Also its financial health evaluation is rather negative. 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.
  • In the past year PNFP had a positive cash flow from operations.
  • PNFP had positive earnings in 4 of the past 5 years.
  • PNFP had a positive operating cash flow in 4 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 69.03% of its industry peers.
  • PNFP has a Return On Equity (8.87%) which is comparable to the rest of the 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

  • Looking at the Profit Margin, with a value of 30.59%, PNFP belongs to the top of the industry, outperforming 80.31% of the companies in the same industry.
  • 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 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.
  • Looking at the Debt to FCF ratio, with a value of 0.72, PNFP is in the better half of the industry, outperforming 74.80% of the companies in the same industry.
  • 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 64.83% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.72
Altman-Z N/A
ROIC/WACCN/A
WACC17.06%
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

  • 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.
  • PNFP shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.41% yearly.
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

  • PNFP is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 17.93% yearly.
  • Based on estimates for the next years, PNFP will show a very strong growth in Revenue. The Revenue will grow by 40.26% on average per year.
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

  • 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.
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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6

4. Valuation

4.1 Price/Earnings Ratio

  • PNFP is valuated reasonably with a Price/Earnings ratio of 11.43.
  • Based on the Price/Earnings ratio, PNFP is valued a bit cheaper than the industry average as 66.93% of the companies are valued more expensively.
  • 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.
  • Based on the Price/Forward Earnings ratio, PNFP is valued cheaply inside the industry as 81.10% of the companies are valued more expensively.
  • 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

  • The rest of the industry has a similar Price/Free Cash Flow ratio as PNFP.
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

  • 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 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%

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

9

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 6.69%, PNFP is a good candidate for dividend investing.
  • PNFP's Dividend Yield is rather good when compared to the industry average which is at 2.78. PNFP pays more dividend than 93.96% of the companies 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

  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

5.3 Sustainability

  • PNFP pays out 14.64% 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.
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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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 Change-86.91%
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
WACC17.06%
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 7 / 10 to PINNACLE FINANCIAL PARTNERS (PNFP). This can be considered as Undervalued.


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%.