25.0106 USD
+0.01 (+0.04%)
Overall PNFPP gets a fundamental rating of 5 out of 10. We evaluated PNFPP against 385 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. An interesting combination arises when we look at growth and value: PNFPP is growing strongly while it also seems undervalued.
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.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.09%, PNFPP is in the better half of the industry, outperforming 70.39% of the companies in the same industry.
The Return On Equity of PNFPP (8.87%) is comparable to the rest of the 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
Looking at the Profit Margin, with a value of 30.59%, PNFPP belongs to the top of the industry, outperforming 81.56% of the companies in the same industry.
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.
The number of shares outstanding for PNFPP has been increased compared to 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.
PNFPP has a better Debt to FCF ratio (0.72) than 74.55% 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 has a better Debt to Equity ratio (0.11) than 64.68% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 0.72 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC28.25%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
Measured over the past 5 years, PNFPP shows a small growth in Earnings Per Share. The EPS has been growing by 2.00% on average per year.
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
PNFPP is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 24.40% yearly.
Based on estimates for the next years, PNFPP will show a very strong growth in Revenue. The Revenue will grow by 43.23% on average per year.
EPS Next Y43%
EPS Next 2Y28.24%
EPS Next 3Y24.4%
EPS Next 5YN/A
Revenue Next Year16.5%
Revenue Next 2Y60.72%
Revenue Next 3Y43.23%
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 accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 3.10, which indicates a rather cheap valuation of PNFPP.
98.70% of the companies in the same industry are more expensive than PNFPP, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.56. PNFPP is valued rather cheaply when compared to this.
PNFPP is valuated cheaply with a Price/Forward Earnings ratio of 2.56.
Based on the Price/Forward Earnings ratio, PNFPP is valued cheaper than 98.96% of the companies in the same industry.
PNFPP is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.79, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.1 | ||
| Fwd PE | 2.56 |
4.2 Price Multiples
98.96% of the companies in the same industry are more expensive than PNFPP, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.85 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PNFPP's 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 2Y28.24%
EPS Next 3Y24.4%
5. Dividend
5.1 Amount
With a yearly dividend of 0.95%, PNFPP is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 2.70, PNFPP's dividend is way lower than its industry peers. On top of this 82.08% of the companies listed in the same industry pay a better dividend than PNFPP!
Compared to an average S&P500 Dividend Yield of 1.87, PNFPP's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.95% |
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
14.64% of the earnings are spent on dividend by PNFPP. This is a low number and sustainable payout ratio.
The dividend of PNFPP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP14.64%
EPS Next 2Y28.24%
EPS Next 3Y24.4%
PINNACLE FINANCIAL PARTN - PNFP 6 3/4 PERP
NASDAQ:PNFPP (12/15/2025, 4:04:08 PM)
25.0106
+0.01 (+0.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners87.65%
Inst Owner ChangeN/A
Ins Owners1.71%
Ins Owner ChangeN/A
Market Cap1.94B
Revenue(TTM)1.99B
Net Income(TTM)608.15M
Analysts76
Price Target28.89 (15.51%)
Short Float %0.01%
Short Ratio0.44
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.95% |
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)-9.9%
PT rev (3m)-2.13%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.29%
EPS NY rev (1m)0.3%
EPS NY rev (3m)3.89%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.84%
Revenue NY rev (1m)-0.05%
Revenue NY rev (3m)1.29%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.1 | ||
| Fwd PE | 2.56 | ||
| 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
EY32.27%
EPS(NY)9.77
Fwd EY39.06%
FCF(TTM)13.52
FCFY54.04%
OCF(TTM)14.74
OCFY58.92%
SpS25.62
BVpS88.38
TBVpS64.31
PEG (NY)0.07
PEG (5Y)1.55
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
WACC28.25%
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%
EPS Next 2Y28.24%
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 Year16.5%
Revenue Next 2Y60.72%
Revenue Next 3Y43.23%
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 3.1 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 43% in the next year.