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Pinnacle Financial Partners, Inc. (PNFP)

NEUTRAL
Financial ServicesBanks - RegionalUnited States

Fondamental

64

Prix

$100.65

Capitalisation boursière

$15.48B

Partie 1 · Ce que vaut l'entreprise

Vue d'ensemble

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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Bilan & Liquidités

Chiffre d'affaires

$3.31B

12 derniers mois (au 30/06/2026)

Résultat net

$821M

12 derniers mois (au 30/06/2026)

Flux de trésorerie libre

$679M

Capitaux propres totaux

$7.04B

Passif total

$50.66B

Ratio de liquidité général

-

Couverture des intérêts

0.50

Dette/EBITDA

-

Bénéfice par action

Chiffre d'affaires & Résultat net

Flux de trésorerie libre

Décomposition du résultat

État historique

Marges dans le temps

La dette dans le temps

Grille de la croissance

Croissance — Chiffre d'affaires

Estimation de la juste valeur

BankSurévalué

Juste valeur

$67.69

Prix actuel

$100.65

Marge de sécurité

-48.7%

Fourchette de juste valeur

$44.00 - $91.38

Méthodes d'estimation

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
Consensus des analystes:Achat fort (20B / 6H / 0S)
Dernière surprise sur les résultats:-0.34%

Indicateurs de valorisation

Ratio P/E

12.69

ROE

9.1%

Ratio P/B

2.20

P/FCF

22.79

Marge brute

-

ROIC

-

Radar de rentabilité

Value Creation (Economic Moat)

ROIC

-

WACC

10.5%

ROIC − WACC

-

Critères d'analyse fondamentale

Réussi (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

Échoué (6)

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

Indisponible (5)

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

Score F de Piotroski

6/9

Signaux mixtes : certains domaines nécessitent attention

score
criteria

Qualité des bénéfices

1.18

Qualité élevée : bénéfices soutenus par la trésorerie

Dilution du capital

-0.2%

Rachat d'actions. Favorable aux actionnaires

Gouvernance

Équipe dirigeante

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

Risque d'audit

1

Risque du conseil

4

Risque de rémunération

2

Risque droits des actionnaires

2

Partie 2 · Le prix et le moment d'entrer

Cette partie ne dit pas si l'entreprise vaut la peine : elle aide à choisir quand l'acheter, une fois que les fondamentaux vous ont convaincu. À l'intérieur : analyse technique, potentiel, baisses historiques, exposition gamma.

Latest News

Recent headlines for PNFP, sourced from Markets Gazette.

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