(PNFP) Pinnacle Financial Partners - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 14.207m USD | Total Return: -6.9% in 12m
Avg Turnover: 96.8M
EPS Trend: 74.0%
Qual. Beats: 0
Rev. Trend: 88.2%
Qual. Beats: 2
Warnings
Choppy Below Avwap Earnings
Tailwinds
Shakeout, Garp
Pinnacle Financial Partners, Inc. (PNFP) is a bank holding company that provides commercial and consumer banking, investment, and insurance services. Its core operations center on gathering deposits and originating a diverse loan portfolio that includes commercial real estate, equipment, and residential mortgage financing. The firm emphasizes treasury management and middle-market advisory services, positioning itself as a comprehensive financial partner for business entities.
Operating as a regional bank, Pinnacle utilizes a relationship-based business model that prioritizes service-heavy interactions to compete with larger national institutions. Regional banks often maintain higher concentrations of commercial real estate loans compared to global diversified banks, making their performance sensitive to local economic conditions and interest rate fluctuations.
Investors can further evaluate these financial trends and valuation metrics by visiting ValueRay.
The companys non-interest income streams are supported by fiduciary services, wealth management, and property and casualty insurance brokerage. This diversification helps mitigate the volatility of net interest margins during shifting monetary policy cycles.
- Net interest margin sensitivity to Federal Reserve monetary policy shifts
- Loan portfolio growth driven by commercial real estate and business lending
- Non-interest income expansion via wealth management and advisory services
- Credit quality stability amid shifting macroeconomic conditions for middle-market borrowers
- Strategic talent acquisition and retention costs impacting overall efficiency ratios
| Net Income: 651.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.83 > 1.0 |
| NWC/Revenue: -249.1% < 20% (prev -1.34k%; Δ 1.09k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 904.3m > Net Income 651.7m |
| Net Debt (-120.0m) to EBITDA (877.1m): -0.14 < 3 |
| Current Ratio: 0.90 > 1.5 & < 3 |
| Outstanding Shares: last quarter (77.7m) vs 12m ago 1.02% < -2% |
| Gross Margin: 68.66% > 18% (prev 0.51%; Δ 6.82k% > 0.5%) |
| Asset Turnover: 4.53% > 50% (prev 5.27%; Δ -0.74% > 0%) |
| Interest Coverage Ratio: 0.52 > 6 (EBITDA TTM 877.1m / Interest Expense TTM 1.52b) |
| A: -0.08 (Total Current Assets 90.4b - Total Current Liabilities 100b) / Total Assets 123b |
| B: 0.03 (Retained Earnings 3.79b / Total Assets 123b) |
| C: 0.01 (EBIT TTM 798.5m / Avg Total Assets 88.5b) |
| D: 0.03 (Book Value of Equity 3.71b / Total Liabilities 108b) |
| Altman-Z'' = -0.34 = B |
| DSRI: 272.6 (Receivables 84.3b/220.6m, Revenue 4.01b/2.86b) |
| GMI: 0.74 (GM 68.66% / 50.83%) |
| AQI: 0.29 (AQ_t 0.26 / AQ_t-1 0.87) |
| SGI: 1.40 (Revenue 4.01b / 2.86b) |
| TATA: -0.00 (NI 651.7m - CFO 904.3m) / TA 123b) |
| Beneish M = 220.1 (Cap -4..+1) = D |
As of May 24, 2026, the stock is trading at USD 97.33 with a total of 649,609 shares traded.
Over the past week, the price has changed by +3.33%,
over one month by +2.00%,
over three months by +3.14% and
over the past year by -6.94%.
Pinnacle Financial Partners has received a consensus analysts rating of 3.91. Therefore, it is recommended to buy PNFP.
- StrongBuy: 4
- Buy: 2
- Hold: 5
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 116.9 | 20.1% |
P/E Forward = 9.5057
P/S = 5.3741
P/B = 2.2157
P/EG = 1.4146
Revenue TTM = 4.01b USD
EBIT TTM = 798.5m USD
EBITDA TTM = 877.1m USD
Long Term Debt = 5.74b USD (estimated: total debt 6.05b - short term 308.0m)
Short Term Debt = 308.0m USD (from shortTermDebt, last quarter)
Debt = 6.05b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -120.0m USD (calculated: Debt 6.05b - CCE 6.17b)
Enterprise Value = 14.1b USD (14.2b + Debt 6.05b - CCE 6.17b)
Interest Coverage Ratio = 0.52 (Ebit TTM 798.5m / Interest Expense TTM 1.52b)
EV/FCF = 17.45x (Enterprise Value 14.1b / FCF TTM 807.3m)
FCF Yield = 5.73% (FCF TTM 807.3m / Enterprise Value 14.1b)
FCF Margin = 20.14% (FCF TTM 807.3m / Revenue TTM 4.01b)
Net Margin = 16.25% (Net Income TTM 651.7m / Revenue TTM 4.01b)
Gross Margin = 68.66% ((Revenue TTM 4.01b - Cost of Revenue TTM 1.26b) / Revenue TTM)
Gross Margin QoQ = 67.69% (prev 64.07%)
Tobins Q-Ratio = 0.11 (Enterprise Value 14.1b / Total Assets 123b)
Interest Expense / Debt = 25.20% (Interest Expense 1.52b / Debt 6.05b)
Taxrate = 20.63% (39.0m / 189.0m)
NOPAT = 633.7m (EBIT 798.5m * (1 - 20.63%))
Current Ratio = 0.90 (Total Current Assets 90.4b / Total Current Liabilities 100b)
Debt / Equity = 0.41 (Debt 6.05b / totalStockholderEquity, last quarter 14.6b)
Debt / EBITDA = -0.14 (Net Debt -120.0m / EBITDA 877.1m)
Debt / FCF = -0.15 (Net Debt -120.0m / FCF TTM 807.3m)
Total Stockholder Equity = 8.78b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.74% (Net Income 651.7m / Total Assets 123b)
RoE = 7.42% (Net Income TTM 651.7m / Total Stockholder Equity 8.78b)
RoCE = 5.50% (EBIT 798.5m / Capital Employed (Equity 8.78b + L.T.Debt 5.74b))
RoIC = 3.01% (NOPAT 633.7m / Invested Capital 21.1b)
WACC = 12.85% (E(14.2b)/V(20.3b) * Re(9.81%) + D(6.05b)/V(20.3b) * Rd(25.20%) * (1-Tc(0.21)))
Discount Rate = 9.81% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 71.91 | Cagr: 0.53%
[DCF] Terminal Value 61.37% ; FCFF base≈807.3m ; Y1≈810.6m ; Y5≈858.7m
[DCF] Fair Price = 50.87 (EV 7.57b - Net Debt -120.0m = Equity 7.69b / Shares 151.1m; r=12.85% [WACC]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: 74.00 | EPS CAGR: 7.74% | SUE: 0.70 | # QB: 0
Revenue Correlation: 88.19 | Revenue CAGR: 17.01% | SUE: 1.70 | # QB: 2
EPS current Quarter (2026-06-30): EPS=2.51 | Chg30d=+1.00% | Revisions=+0% | Analysts=18
EPS next Quarter (2026-09-30): EPS=2.67 | Chg30d=-0.07% | Revisions=-11% | Analysts=18
EPS current Year (2026-12-31): EPS=10.32 | Chg30d=+0.59% | Revisions=+24% | GrowthEPS=+23.3% | GrowthRev=+147.1%
EPS next Year (2027-12-31): EPS=11.85 | Chg30d=+0.04% | Revisions=+18% | GrowthEPS=+14.8% | GrowthRev=+8.4%
[Analyst] Revisions Ratio: +24%