90.12 USD
+2.79 (+3.19%)
90.12 USD
0 (0%)
PNFP gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 388 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 evaluated to be cheap and growing strongly. This does not happen too often!
1. Profitability
1.1 Basic Checks
In the past year PNFP was profitable.
PNFP had a positive operating cash flow in the past year.
In the past 5 years PNFP has always been profitable.
Each year in the past 5 years PNFP had a positive operating cash flow.
1.2 Ratios
The Return On Assets of PNFP (1.09%) is better than 70.44% of its industry peers.
Looking at the Return On Equity, with a value of 8.87%, PNFP is in line with its industry, outperforming 51.67% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
PNFP has a better Profit Margin (30.59%) than 81.23% of its industry peers.
In the last couple of years the Profit Margin of PNFP has declined.
PNFP does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
PNFP does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for PNFP has been increased compared to 1 year ago.
Compared to 5 years ago, PNFP has more shares outstanding
PNFP has a better debt/assets ratio than last year.
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 76.09% of its industry peers.
A Debt/Equity ratio of 0.11 indicates that PNFP is not too dependend on debt financing.
PNFP has a better Debt to Equity ratio (0.11) than 65.04% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 0.72 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC17.48%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
PNFP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 41.08%, which is quite impressive.
PNFP shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.00% yearly.
Looking at the last year, PNFP shows a quite strong growth in Revenue. The Revenue has grown by 19.92% in the last year.
PNFP shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.02% yearly.
EPS 1Y (TTM)41.08%
EPS 3Y-4.22%
EPS 5Y2%
EPS Q2Q%22.04%
Revenue 1Y (TTM)19.92%
Revenue growth 3Y9.35%
Revenue growth 5Y11.02%
Sales Q2Q%16.72%
3.2 Future
PNFP is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 24.20% yearly.
The Revenue is expected to grow by 43.26% on average over the next years. This is a very strong growth
EPS Next Y42.58%
EPS Next 2Y28.8%
EPS Next 3Y24.2%
EPS Next 5YN/A
Revenue Next Year16.56%
Revenue Next 2Y59.93%
Revenue Next 3Y43.26%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 11.17, which indicates a very decent valuation of PNFP.
PNFP's Price/Earnings is on the same level as the industry average.
PNFP is valuated cheaply when we compare the Price/Earnings ratio to 25.45, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 9.15, which indicates a very decent valuation of PNFP.
Based on the Price/Forward Earnings ratio, PNFP is valued a bit cheaper than 64.01% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.46, PNFP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.17 | ||
| Fwd PE | 9.15 |
4.2 Price Multiples
86.12% of the companies in the same industry are more expensive than PNFP, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.67 | ||
| EV/EBITDA | N/A |
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 24.20% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.26
PEG (5Y)5.58
EPS Next 2Y28.8%
EPS Next 3Y24.2%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.10%, PNFP has a reasonable but not impressive dividend return.
With a Dividend Yield of 1.10, PNFP pays less dividend than the industry average, which is at 3.35. 80.98% of the companies listed in the same industry pay a better dividend than PNFP!
Compared to an average S&P500 Dividend Yield of 2.42, PNFP's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.1% |
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 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
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 2Y28.8%
EPS Next 3Y24.2%
90.12
+2.79 (+3.19%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners87.38%
Inst Owner Change0.4%
Ins Owners1.72%
Ins Owner Change2.55%
Market Cap6.99B
Revenue(TTM)1.99B
Net Income(TTM)608.15M
Analysts75
Price Target108.97 (20.92%)
Short Float %5.22%
Short Ratio3.54
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.1% |
Yearly Dividend1.09
Dividend Growth(5Y)11.22%
DP14.64%
Div Incr Years0
Div Non Decr Years11
Ex-Date
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)-4.19%
PT rev (3m)-8.4%
EPS NQ rev (1m)1.16%
EPS NQ rev (3m)5.42%
EPS NY rev (1m)0.83%
EPS NY rev (3m)6.96%
Revenue NQ rev (1m)0.34%
Revenue NQ rev (3m)1.53%
Revenue NY rev (1m)0.19%
Revenue NY rev (3m)1.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.17 | ||
| Fwd PE | 9.15 | ||
| P/S | 3.52 | ||
| P/FCF | 6.67 | ||
| P/OCF | 6.12 | ||
| P/B | 1.02 | ||
| P/tB | 1.4 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.07
EY8.95%
EPS(NY)9.85
Fwd EY10.93%
FCF(TTM)13.52
FCFY15%
OCF(TTM)14.74
OCFY16.35%
SpS25.62
BVpS88.38
TBVpS64.31
PEG (NY)0.26
PEG (5Y)5.58
Graham Number126.68
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC17.48%
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)41.08%
EPS 3Y-4.22%
EPS 5Y2%
EPS Q2Q%22.04%
EPS Next Y42.58%
EPS Next 2Y28.8%
EPS Next 3Y24.2%
EPS Next 5YN/A
Revenue 1Y (TTM)19.92%
Revenue growth 3Y9.35%
Revenue growth 5Y11.02%
Sales Q2Q%16.72%
Revenue Next Year16.56%
Revenue Next 2Y59.93%
Revenue Next 3Y43.26%
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 5 / 10 to PNFP.
What is the valuation status for PNFP stock?
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 4 / 10.
Can you provide the financial health for PNFP stock?
The financial health rating of PINNACLE FINANCIAL PARTNERS (PNFP) is 3 / 10.
Can you provide the dividend sustainability for PNFP stock?
The dividend rating of PINNACLE FINANCIAL PARTNERS (PNFP) is 6 / 10 and the dividend payout ratio is 14.64%.