PINNACLE FINANCIAL PARTN - PNFP 6 3/4 PERP (PNFPP) Stock Fundamental Analysis

NASDAQ:PNFPP • US72346Q3020

25.02 USD
-0.08 (-0.32%)
Last: Dec 31, 2025, 08:24 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to PNFPP. PNFPP was compared to 381 industry peers in the Banks industry. While PNFPP is still in line with the averages on profitability rating, there are concerns on its financial health. PNFPP has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination!


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • PNFPP had positive earnings in the past year.
  • In the past year PNFPP had a positive cash flow from operations.
  • In the past 5 years PNFPP has always been profitable.
  • Each year in the past 5 years PNFPP had a positive operating cash flow.
PNFPP Yearly Net Income VS EBIT VS OCF VS FCFPNFPP 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

  • PNFPP's Return On Assets of 1.09% is fine compared to the rest of the industry. PNFPP outperforms 70.28% of its industry peers.
  • PNFPP 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
PNFPP Yearly ROA, ROE, ROICPNFPP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

  • PNFPP's Profit Margin of 30.59% is amongst the best of the industry. PNFPP outperforms 81.40% of its industry peers.
  • PNFPP's Profit Margin has declined in the last couple of years.
  • PNFPP 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) 30.59%
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
PNFPP Yearly Profit, Operating, Gross MarginsPNFPP 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

  • PNFPP does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, PNFPP has more shares outstanding
  • Compared to 5 years ago, PNFPP has more shares outstanding
  • Compared to 1 year ago, PNFPP has an improved debt to assets ratio.
PNFPP Yearly Shares OutstandingPNFPP Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
PNFPP Yearly Total Debt VS Total AssetsPNFPP 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 PNFPP is 0.72, which is an excellent value as it means it would take PNFPP, only 0.72 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of PNFPP (0.72) is better than 74.68% of its industry peers.
  • PNFPP has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.11, PNFPP is in the better half of the industry, outperforming 65.12% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.72
Altman-Z N/A
ROIC/WACCN/A
WACC28.19%
PNFPP Yearly LT Debt VS Equity VS FCFPNFPP 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
PNFPP Yearly Current Assets VS Current LiabilitesPNFPP 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

8

3. Growth

3.1 Past

  • PNFPP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 41.08%, which is quite impressive.
  • PNFPP 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, PNFPP shows a quite strong growth in Revenue. The Revenue has grown by 19.92% in the last year.
  • PNFPP 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

  • Based on estimates for the next years, PNFPP will show a very strong growth in Earnings Per Share. The EPS will grow by 24.40% on average per year.
  • Based on estimates for the next years, PNFPP will show a very strong growth in Revenue. The Revenue will grow by 43.53% on average per year.
EPS Next Y43.2%
EPS Next 2Y28.78%
EPS Next 3Y24.4%
EPS Next 5YN/A
Revenue Next Year17.11%
Revenue Next 2Y63.62%
Revenue Next 3Y43.53%
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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
PNFPP Yearly Revenue VS EstimatesPNFPP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1B 2B 3B 4B 5B
PNFPP Yearly EPS VS EstimatesPNFPP Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6 8 10

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Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 3.10, which indicates a rather cheap valuation of PNFPP.
  • PNFPP's Price/Earnings ratio is rather cheap when compared to the industry. PNFPP is cheaper than 98.71% of the companies in the same industry.
  • PNFPP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.97.
  • PNFPP is valuated cheaply with a Price/Forward Earnings ratio of 2.54.
  • Based on the Price/Forward Earnings ratio, PNFPP is valued cheaply inside the industry as 98.97% of the companies are valued more expensively.
  • PNFPP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.96.
Industry RankSector Rank
PE 3.1
Fwd PE 2.54
PNFPP Price Earnings VS Forward Price EarningsPNFPP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 98.71% of the companies in the same industry are more expensive than PNFPP, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 1.85
EV/EBITDA N/A
PNFPP Per share dataPNFPP 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.
  • A more expensive valuation may be justified as PNFPP's earnings are expected to grow with 24.40% in the coming years.
PEG (NY)0.07
PEG (5Y)1.55
EPS Next 2Y28.78%
EPS Next 3Y24.4%

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

4

5. Dividend

5.1 Amount

  • With a yearly dividend of 0.97%, PNFPP is not a good candidate for dividend investing.
  • With a Dividend Yield of 0.97, PNFPP pays less dividend than the industry average, which is at 2.74. 81.65% of the companies listed in the same industry pay a better dividend than PNFPP!
  • With a Dividend Yield of 0.97, PNFPP pays less dividend than the S&P500 average, which is at 1.84.
Industry RankSector Rank
Dividend Yield 0.97%

5.2 History

  • The dividend of PNFPP is nicely growing with an annual growth rate of 11.22%!
  • PNFPP has been paying a dividend for over 5 years, so it has already some track record.
  • PNFPP has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)11.22%
Div Incr Years0
Div Non Decr Years4
PNFPP Yearly Dividends per sharePNFPP Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

  • 14.64% of the earnings are spent on dividend by PNFPP. This is a low number and sustainable payout ratio.
  • PNFPP's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP14.64%
EPS Next 2Y28.78%
EPS Next 3Y24.4%
PNFPP Yearly Income VS Free CF VS DividendPNFPP 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
PNFPP Dividend Payout.PNFPP Dividend Payout, showing the Payout Ratio.PNFPP Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

PINNACLE FINANCIAL PARTN - PNFP 6 3/4 PERP

NASDAQ:PNFPP (12/31/2025, 8:24:13 PM)

25.02

-0.08 (-0.32%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-15
Earnings (Next)01-21
Inst Owners87.64%
Inst Owner ChangeN/A
Ins Owners1.61%
Ins Owner ChangeN/A
Market Cap1.94B
Revenue(TTM)1.99B
Net Income(TTM)608.15M
Analysts79.05
Price Target28.2 (12.71%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.97%
Yearly Dividend1.09
Dividend Growth(5Y)11.22%
DP14.64%
Div Incr Years0
Div Non Decr Years4
Ex-DateN/A
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)-2.41%
PT rev (3m)-4.88%
EPS NQ rev (1m)0.37%
EPS NQ rev (3m)5.68%
EPS NY rev (1m)0.14%
EPS NY rev (3m)3.81%
Revenue NQ rev (1m)-0.02%
Revenue NQ rev (3m)1.97%
Revenue NY rev (1m)0.52%
Revenue NY rev (3m)1.87%
Valuation
Industry RankSector Rank
PE 3.1
Fwd PE 2.54
P/S 0.98
P/FCF 1.85
P/OCF 1.7
P/B 0.28
P/tB 0.39
EV/EBITDA N/A
EPS(TTM)8.07
EY32.25%
EPS(NY)9.85
Fwd EY39.37%
FCF(TTM)13.52
FCFY54.02%
OCF(TTM)14.74
OCFY58.9%
SpS25.62
BVpS88.38
TBVpS64.31
PEG (NY)0.07
PEG (5Y)1.55
Graham Number126.68
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
WACC28.19%
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 Y43.2%
EPS Next 2Y28.78%
EPS Next 3Y24.4%
EPS Next 5YN/A
Revenue 1Y (TTM)19.92%
Revenue growth 3Y9.35%
Revenue growth 5Y11.02%
Sales Q2Q%16.72%
Revenue Next Year17.11%
Revenue Next 2Y63.62%
Revenue Next 3Y43.53%
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 PARTN - PNFP 6 3/4 PERP / PNFPP FAQ

What is the fundamental rating for PNFPP stock?

ChartMill assigns a fundamental rating of 5 / 10 to PNFPP.


What is the valuation status for PNFPP stock?

ChartMill assigns a valuation rating of 8 / 10 to PINNACLE FINANCIAL PARTN - PNFP 6 3/4 PERP (PNFPP). This can be considered as Undervalued.


What is the profitability of PNFPP stock?

PINNACLE FINANCIAL PARTN - PNFP 6 3/4 PERP (PNFPP) has a profitability rating of 4 / 10.


Can you provide the PE and PB ratios for PNFPP stock?

The Price/Earnings (PE) ratio for PINNACLE FINANCIAL PARTN - PNFP 6 3/4 PERP (PNFPP) is 3.1 and the Price/Book (PB) ratio is 0.28.


What is the financial health of PINNACLE FINANCIAL PARTN - PNFP 6 3/4 PERP (PNFPP) stock?

The financial health rating of PINNACLE FINANCIAL PARTN - PNFP 6 3/4 PERP (PNFPP) is 3 / 10.