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PINNACLE FINANCIAL PARTNERS (PNFP) Stock Fundamental Analysis

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

89.92  +2.16 (+2.46%)

After market: 89.92 0 (0%)

Fundamental Rating

5

Overall PNFP gets a fundamental rating of 5 out of 10. We evaluated PNFP against 393 industry peers in the Banks industry. PNFP has a medium profitability rating, but doesn't score so well on its financial health evaluation. PNFP is growing strongly while it is still valued neutral. This is a good combination!


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year PNFP was profitable.
PNFP had a positive operating cash flow in the past year.
Each year in the past 5 years PNFP has 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

PNFP's Return On Assets of 1.06% is fine compared to the rest of the industry. PNFP outperforms 70.48% of its industry peers.
PNFP's Return On Equity of 8.76% is in line compared to the rest of the industry. PNFP outperforms 53.44% of its industry peers.
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

PNFP has a better Profit Margin (30.46%) than 83.21% 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 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.
PNFP has more shares outstanding than it did 1 year ago.
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

The Debt to FCF ratio of PNFP is 0.89, which is an excellent value as it means it would take PNFP, only 0.89 years of fcf income to pay off all of its debts.
PNFP's Debt to FCF ratio of 0.89 is fine compared to the rest of the industry. PNFP outperforms 76.59% 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 has a better Debt to Equity ratio (0.10) than 69.72% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 0.89
Altman-Z N/A
ROIC/WACCN/A
WACC17.64%
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

The Earnings Per Share has grown by an impressive 38.02% over the past year.
PNFP shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.00% yearly.
The Revenue has grown by 19.44% in the past year. This is quite good.
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

Based on estimates for the next years, PNFP will show a quite strong growth in Earnings Per Share. The EPS will grow by 19.81% on average per year.
Based on estimates for the next years, PNFP will show a quite strong growth in Revenue. The Revenue will grow by 12.25% on average per year.
EPS Next Y33.3%
EPS Next 2Y22.07%
EPS Next 3Y19.81%
EPS Next 5YN/A
Revenue Next Year15.29%
Revenue Next 2Y13.5%
Revenue Next 3Y12.25%
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.
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

PNFP is valuated reasonably with a Price/Earnings ratio of 11.74.
Compared to the rest of the industry, the Price/Earnings ratio of PNFP is on the same level as its industry peers.
PNFP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.48.
The Price/Forward Earnings ratio is 10.16, which indicates a very decent valuation of PNFP.
Compared to the rest of the industry, the Price/Forward Earnings ratio of PNFP is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.04, PNFP is valued rather cheaply.
Industry RankSector Rank
PE 11.74
Fwd PE 10.16
PNFP Price Earnings VS Forward Price EarningsPNFP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of PNFP indicates a somewhat cheap valuation: PNFP is cheaper than 69.97% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 9.07
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 19.81% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.35
PEG (5Y)5.87
EPS Next 2Y22.07%
EPS Next 3Y19.81%

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6

5. Dividend

5.1 Amount

PNFP has a Yearly Dividend Yield of 1.09%.
Compared to an average industry Dividend Yield of 3.54, PNFP's dividend is way lower than its industry peers. On top of this 81.68% of the companies listed in the same industry pay a better dividend than PNFP!
With a Dividend Yield of 1.09, PNFP pays less dividend than the S&P500 average, which is at 2.39.
Industry RankSector Rank
Dividend Yield 1.09%

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

15.03% of the earnings are spent on dividend by PNFP. This is a low number and sustainable payout ratio.
The dividend of PNFP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP15.03%
EPS Next 2Y22.07%
EPS Next 3Y19.81%
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 (8/8/2025, 8:01:04 PM)

After market: 89.92 0 (0%)

89.92

+2.16 (+2.46%)

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-0.61%
Ins Owners1.67%
Ins Owner Change16.58%
Market Cap6.98B
Analysts74.74
Price Target118.97 (32.31%)
Short Float %1.77%
Short Ratio1.73
Dividend
Industry RankSector Rank
Dividend Yield 1.09%
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)-2.02%
PT rev (3m)3.4%
EPS NQ rev (1m)3.01%
EPS NQ rev (3m)0.67%
EPS NY rev (1m)0%
EPS NY rev (3m)0.6%
Revenue NQ rev (1m)2.22%
Revenue NQ rev (3m)1.15%
Revenue NY rev (1m)1.85%
Revenue NY rev (3m)1.55%
Valuation
Industry RankSector Rank
PE 11.74
Fwd PE 10.16
P/S 3.65
P/FCF 9.07
P/OCF 8.1
P/B 1.05
P/tB 1.46
EV/EBITDA N/A
EPS(TTM)7.66
EY8.52%
EPS(NY)8.85
Fwd EY9.84%
FCF(TTM)9.92
FCFY11.03%
OCF(TTM)11.1
OCFY12.35%
SpS24.62
BVpS85.56
TBVpS61.48
PEG (NY)0.35
PEG (5Y)5.87
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
WACC17.64%
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 Y33.3%
EPS Next 2Y22.07%
EPS Next 3Y19.81%
EPS Next 5YN/A
Revenue 1Y (TTM)19.44%
Revenue growth 3Y9.35%
Revenue growth 5Y11.02%
Sales Q2Q%37.77%
Revenue Next Year15.29%
Revenue Next 2Y13.5%
Revenue Next 3Y12.25%
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%