24.82 USD
-0.17 (-0.68%)
Taking everything into account, PNFPP scores 5 out of 10 in our fundamental rating. PNFPP was compared to 388 industry peers in the Banks industry. PNFPP has a medium profitability rating, but doesn't score so well on its financial health evaluation. PNFPP has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination!
1. Profitability
1.1 Basic Checks
In the past year PNFPP was profitable.
PNFPP had a positive operating cash flow in the past year.
In the past 5 years PNFPP has always been profitable.
Each year in the past 5 years PNFPP had a positive operating cash flow.
1.2 Ratios
PNFPP's Return On Assets of 1.09% is fine compared to the rest of the industry. PNFPP outperforms 70.69% of its industry peers.
PNFPP has a Return On Equity (8.87%) which is in line with its industry peers.
| 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
PNFPP has a better Profit Margin (30.59%) than 81.49% of its industry peers.
In the last couple of years the Profit Margin of PNFPP has declined.
PNFPP 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
PNFPP does not have a ROIC to compare to the WACC, probably because it is not profitable.
PNFPP has more shares outstanding than it did 1 year ago.
The number of shares outstanding for PNFPP has been increased compared to 5 years ago.
The debt/assets ratio for PNFPP has been reduced compared to a year ago.
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 76.35% 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.
PNFPP's Debt to Equity ratio of 0.11 is fine compared to the rest of the industry. PNFPP outperforms 65.30% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 0.72 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC28.18%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 41.08% over the past year.
PNFPP shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.00% yearly.
PNFPP shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 19.92%.
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
The Earnings Per Share is expected to grow by 24.20% on average over the next years. This is a very strong growth
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
Based on the Price/Earnings ratio of 3.08, the valuation of PNFPP can be described as very cheap.
98.71% of the companies in the same industry are more expensive than PNFPP, based on the Price/Earnings ratio.
PNFPP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.45.
The Price/Forward Earnings ratio is 2.52, which indicates a rather cheap valuation of PNFPP.
98.97% of the companies in the same industry are more expensive than PNFPP, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.46, PNFPP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.08 | ||
| Fwd PE | 2.52 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, PNFPP is valued cheaply inside the industry as 98.71% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.84 | ||
| EV/EBITDA | N/A |
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.
PNFPP's earnings are expected to grow with 24.20% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.07
PEG (5Y)1.54
EPS Next 2Y28.8%
EPS Next 3Y24.2%
5. Dividend
5.1 Amount
PNFPP has a Yearly Dividend Yield of 1.10%.
Compared to an average industry Dividend Yield of 3.35, PNFPP's dividend is way lower than its industry peers. On top of this 80.72% of the companies listed in the same industry pay a better dividend than PNFPP!
With a Dividend Yield of 1.10, PNFPP pays less dividend than the S&P500 average, which is at 2.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.1% |
5.2 History
On average, the dividend of PNFPP grows each year by 11.22%, which is quite nice.
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
5.3 Sustainability
PNFPP pays out 14.64% of its income as dividend. This is a sustainable payout ratio.
PNFPP's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP14.64%
EPS Next 2Y28.8%
EPS Next 3Y24.2%
PINNACLE FINANCIAL PARTN - PNFP 6 3/4 PERP
NASDAQ:PNFPP (11/21/2025, 8:00:01 PM)
24.82
-0.17 (-0.68%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners87.38%
Inst Owner ChangeN/A
Ins Owners1.72%
Ins Owner ChangeN/A
Market Cap1.93B
Revenue(TTM)1.99B
Net Income(TTM)608.15M
Analysts75
Price Target30.43 (22.6%)
Short Float %0%
Short Ratio0.39
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 Years4
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)2.66%
PT rev (3m)-2.73%
EPS NQ rev (1m)1.16%
EPS NQ rev (3m)5.42%
EPS NY rev (1m)0.83%
EPS NY rev (3m)3.59%
Revenue NQ rev (1m)0.34%
Revenue NQ rev (3m)1.53%
Revenue NY rev (1m)0.19%
Revenue NY rev (3m)1.15%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.08 | ||
| Fwd PE | 2.52 | ||
| P/S | 0.97 | ||
| P/FCF | 1.84 | ||
| P/OCF | 1.68 | ||
| P/B | 0.28 | ||
| P/tB | 0.39 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.07
EY32.51%
EPS(NY)9.85
Fwd EY39.7%
FCF(TTM)13.52
FCFY54.47%
OCF(TTM)14.74
OCFY59.39%
SpS25.63
BVpS88.4
TBVpS64.33
PEG (NY)0.07
PEG (5Y)1.54
Graham Number126.69
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
WACC28.18%
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 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.
Can you provide the valuation status for PINNACLE FINANCIAL PARTN - PNFP 6 3/4 PERP?
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.
What are the PE and PB ratios of PINNACLE FINANCIAL PARTN - PNFP 6 3/4 PERP (PNFPP) stock?
The Price/Earnings (PE) ratio for PINNACLE FINANCIAL PARTN - PNFP 6 3/4 PERP (PNFPP) is 3.08 and the Price/Book (PB) ratio is 0.28.
Can you provide the expected EPS growth for PNFPP stock?
The Earnings per Share (EPS) of PINNACLE FINANCIAL PARTN - PNFP 6 3/4 PERP (PNFPP) is expected to grow by 42.58% in the next year.