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Pinnacle Financial Partners, Inc. (PNFP)

NEUTRAL
Financial ServicesBanks - RegionalUnited States

Fundamental

64

Price

$100.63

Market Cap

$15.48B

Part 1 · What the company is worth

Overview

Pinnacle Financial Partners, Inc. operates as the bank holding company for Pinnacle Bank that provides various banking products and services to individuals, businesses, and professional entities in the United States. It accepts various deposits, including savings, noninterest-bearing and interest-bearing checking, money market, and certificate of deposit accounts; and provides treasury management services, such as online wire origination, enhanced ACH origination, positive pay, zero balance and sweep accounts, automated bill pay services, electronic receivables processing, lockbox processing, and merchant card acceptance services, small business and commercial credit cards corporate purchasing cards, and virtual accounting/deposit escrow solutions. The company also offers equipment and working capital loans; commercial real estate loans, such as investment properties and business loan; secured and unsecured loans comprising installment and term, lines of credit, and residential first mortgage, as well as home equity loans and home equity lines of credit; and credit cards for consumers and businesses. In addition, the company provides investment products; brokerage and investment advisory programs; and fiduciary and investment services, including personal trust, investment management, estate administration, endowments, foundations, individual retirement accounts, escrow services, and custody. Further, it offers insurance agency services in the property and casualty area; investment, merger and acquisition advisory services, private debt, equity and mezzanine placement services, and other middle-market advisory services; and other banking services, including telephone and online banking, mobile banking, debit cards, direct deposit and remote deposit capture, mobile deposit option, automated teller machine, and cash management services. Pinnacle Financial Partners, Inc. was incorporated in 2000 and is headquartered in Atlanta, Georgia.

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Direct competitors

Who this company fights with for the same customers

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Balance Sheet & Liquidity

Revenue

$3.31B

Trailing 12 months (through 6/30/2026)

Net Income

$821M

Trailing 12 months (through 6/30/2026)

Free Cash Flow

$679M

Total Equity

$7.04B

Total Liabilities

$50.66B

Current Ratio

-

Interest Coverage

0.50

Debt/EBITDA

-

Earnings Per Share

Revenue & Net Income

Free Cash Flow

Income Breakdown

Historical statement

Margins over time

Debt over time

Growth grid

Growth — Revenue

Fair Value Estimation

BankOvervalued

Fair Value

$67.69

Current Price

$100.63

Margin of Safety

-48.7%

Fair Value Range

$44.00 - $91.38

Estimation Methods

Analyst price target:$119.25
Discounted cash flow (DCF):Not applicable to this type of company
Earnings multiple (P/E):$69.63
Graham growth formula:Not applicable to this type of company
Earnings power value (EPV):Not applicable to this type of company
Justified P/B:$52.19
Dividend discount (Gordon):$19.41
P/FFO, funds from operations:Not applicable to this type of company
Mid-cycle earnings:Not applicable to this type of company
Revenue multiple:Not applicable to this type of company
Analyst Consensus:Strong Buy (20B / 6H / 0S)
Last Earnings Surprise:-0.34%

Valuation Metrics

P/E Ratio

12.69

ROE

9.1%

P/B Ratio

2.20

P/FCF

22.79

Gross Margin

-

ROIC

-

Profitability Radar

Value Creation (Economic Moat)

ROIC

-

WACC

10.5%

ROIC − WACC

-

Fundamental Analysis Criteria

Passed (17)

  • EPS shows upward trend
  • EPS CAGR 6.31%
  • P/FCF 22.79
  • P/B Ratio 2.20
  • Operating Margin 38.0%
  • Positive Free Cash Flow
  • CapEx intensity
  • Low reliance on intangibles
  • ROE 7.6%
  • Revenue Growth 5Y 16.6%
  • Analyst Consensus 77% Buy
  • Earnings Surprise avg 2.5%
  • PEG Ratio 1.33
  • Earnings Quality (OCF/NI) 1.18
  • Share Dilution -0.2%
  • Net Margin Trend 31.2% vs 27.4%
  • Piotroski F-Score 6/9

Failed (6)

  • Price CAGR 3.97%
  • Debt/Equity ratio
  • Interest Coverage
  • Return on Tangible Assets
  • Price below Graham Number
  • DCF valuation (Overvalued)

Unavailable (5)

  • ROIC NaN%
  • Gross Margin NaN%
  • Dividend Payout NaN%
  • Current Ratio
  • Debt/EBITDA

Piotroski F-Score

6/9

Mixed signals: some areas need attention

score
criteria

Earnings Quality

1.18

High quality: earnings backed by cash

Share Dilution

-0.2%

Buying back shares. Shareholder friendly

Governance

Executive Team

NameTitleAge
Mr. Michael Terry TurnerFounder & Chairman70
Mr. Robert A. McCabe Jr.Founder, Executive VP, Chief Banking Officer & Vice Chair74

Audit Risk

1

Board Risk

4

Compensation Risk

2

Shareholder Rights Risk

2

Part 2 · The price and when to enter

This part won't tell you whether the company is worth owning: it helps you choose when to buy it, once the fundamentals have convinced you. Inside: technical analysis, potential, historical drawdowns, gamma exposure.

Latest News

Recent headlines for PNFP, sourced from Markets Gazette.

No recent news for PNFP.