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Pinnacle Financial Partners, Inc. (PNFP)

NEUTRAL
Financial ServicesBanks - RegionalUnited States

ファンダメンタル

64

株価

$100.63

時価総額

$15.48B

パート1 · 企業の価値

概要

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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貸借対照表と流動性

売上高

$3.31B

直近12か月(2026/6/30まで)

純利益

$821M

直近12か月(2026/6/30まで)

フリーキャッシュフロー

$679M

自己資本合計

$7.04B

負債合計

$50.66B

流動比率

-

利払い倍率

0.50

負債/EBITDA

-

一株当たり利益(EPS)

売上高と純利益

フリーキャッシュフロー

収益内訳

財務推移表

利益率の推移

負債の推移

成長率グリッド

成長率 — 売上高

適正価値の推定

Bank割高

適正価値

$67.69

現在株価

$100.63

安全マージン

-48.7%

適正価値レンジ

$44.00 - $91.38

推定方法

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
アナリスト・コンセンサス:強い買い (20B / 6H / 0S)
直近の決算サプライズ:-0.34%

バリュエーション指標

P/E レシオ

12.69

ROE

9.1%

P/B レシオ

2.20

P/FCF

22.79

粗利益率

-

ROIC

-

収益性レーダー

Value Creation (Economic Moat)

ROIC

-

WACC

10.5%

ROIC − WACC

-

ファンダメンタル分析基準

合格(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

不合格(6)

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

データなし(5)

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

Piotroski F-スコア

6/9

まちまちのシグナル:一部の領域に注意が必要

score
criteria

利益の質

1.18

高品質:利益はキャッシュに裏付けられている

株式希薄化

-0.2%

株式を買い戻している。株主に友好的

ガバナンス

経営陣

氏名役職年齢
Mr. Michael Terry TurnerFounder & Chairman70
Mr. Robert A. McCabe Jr.Founder, Executive VP, Chief Banking Officer & Vice Chair74

監査リスク

1

取締役会リスク

4

報酬リスク

2

株主権利リスク

2

パート2 · 株価と買い時

この部分は企業に価値があるかを判断するものではありません。ファンダメンタルズに納得したうえで、いつ買うかを選ぶためのものです。内容:テクニカル分析、ポテンシャル、過去のドローダウン、ガンマエクスポージャー。

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