PNFP Stock Analysis: Pinnacle Financial | NYSE
Banks - Regional | NYSE, USA | Market Cap: 15.035m USD | 12M Return: -12.7% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 139M
EPS Trend: 76.4%
Qual. Beats: 0
Rev. Trend: 88.2%
Qual. Beats: 2
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Pinnacle Financial Partners, Inc. is a bank holding company that operates through its subsidiary, Pinnacle Bank, delivering a full suite of banking, lending, treasury, and wealth management services to individuals, businesses, and professional entities across the United States. The company accepts a range of deposits-including savings, checking, money market, and certificate of deposit accounts-and generates core revenue through commercial and consumer lending activities such as equipment loans, working capital facilities, commercial real estate loans, residential mortgages, and home equity products. As a regional bank under the Financials sector, Pinnacles business model is anchored in gathering low-cost deposits and earning a net interest margin on its loan portfolio, supplemented by fee-based lines of business.
In addition to traditional banking, the company offers treasury management solutions (wire and ACH origination, positive pay, lockbox, merchant card acceptance, and virtual escrow accounts), credit cards for consumers and businesses, and a suite of digital delivery channels including online, mobile, and remote deposit capture services. Bank holding companies such as PNFP are regulated by the Federal Reserve and subject to capital and liquidity oversight, which shapes their lending capacity and growth strategy.
Pinnacle also operates fee-generating businesses beyond core banking, including investment and brokerage products, fiduciary and trust services (estate administration, IRAs, custody, and endowments), property and casualty insurance, and middle-market advisory offerings such as investment banking, M&A advisory, and private debt, equity, and mezzanine placements. The company was incorporated in 2000 and is headquartered in Atlanta, Georgia, according to the filing.
- Net interest margin expands on Fed rate hold
- Atlanta market expansion drives double digit loan growth
- Commercial real estate loan portfolio under regulatory scrutiny
- Wealth management fee income grows with rising AUM
- Deposit costs stabilize as competition for funding eases
| Net Income: 651.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.30 > 1.0 |
| NWC/Revenue: -249.1% < 20% (prev -1.34k%; Δ 1.09k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 1.71b > 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 50.83%; Δ 17.83% > 0.5%) |
| Asset Turnover: 4.53% > 50% (prev 5.27%; Δ -0.74% > 0%) |
| Interest Coverage Ratio: 0.52 > 6 (EBIT TTM 798.5m / 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: 0.13 (Book Value of Equity 14.6b / Total Liabilities 108b) |
| Altman-Z'' = -0.23 = B |
| DSRI: 3.0 (Receivables 84.3b/220.6m, Revenue 4.01b/2.86b) |
| GMI: 0.74 (GM 50.83% / 68.66%) |
| AQI: 0.29 (AQ_t 0.26 / AQ_t-1 0.87) |
| SGI: 1.40 (Revenue 4.01b / 2.86b) |
| TATA: -0.01 (NI 651.7m - CFO 1.71b) / TA 123b) |
| Beneish M = -1.75 (Cap -4..+1) = CCC |
As of July 08, 2026, the stock is trading at USD 100.78 with a total of 898,339 shares traded. Over the past week, the price has changed by +0.02%, over one month by +4.45%, over three months by +14.70% and over the past year by -12.67%.
Current recommended Stop Loss: 97.40 (which is 3.4% or 1.3 ATR below the current price).
Pinnacle Financial 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 | 118.1 | 17.2% |
P/E Trailing = 13.8387
P/E Forward = 9.6618
P/S = 5.6874
P/B = 1.0885
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 (from longTermDebt, last quarter)
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 = 14.9b USD (15.0b + Debt 6.05b - CCE 6.17b)
Interest Coverage Ratio = 0.52 (Ebit TTM 798.5m / Interest Expense TTM 1.52b)
EV/FCF = 8.84x (Enterprise Value 14.9b / FCF TTM 1.69b)
FCF Yield = 11.31% (FCF TTM 1.69b / Enterprise Value 14.9b)
FCF Margin = 42.06% (FCF TTM 1.69b / 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 = 0.12 (Enterprise Value 14.9b / Total Assets 123b)
Interest Expense / Debt = 25.20% (Interest Expense 1.52b / Debt 6.05b)
Taxrate = 18.38% (146.8m / 798.5m)
NOPAT = 651.7m (EBIT 798.5m * (1 - 18.38%))
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 = -0.07 (Net Debt -120.0m / FCF TTM 1.69b)
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 = 2.90% (NOPAT 651.7m / Invested Capital 22.5b)
WACC = 12.82% (E(15.0b)/V(21.1b) * Re(9.70%) + D(6.05b)/V(21.1b) * Rd(25.20%) * (1-Tc(0.18)))
Discount Rate = 9.70% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 71.91 | Cagr: 0.53%
[DCF] Terminal Value 64.92% ; FCFF base≈1.25b ; Y1≈1.43b ; Y5≈2.10b
[DCF] Fair Price = 117.2 (EV 17.6b - Net Debt -120.0m = Equity 17.7b / Shares 151.1m; r=12.82% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 76.41 | EPS CAGR: 8.33% | SUE: 0.74 | # QB: 0
Revenue Correlation: 88.19 | Revenue CAGR: 17.01% | SUE: 1.70 | # QB: 2
EPS current Quarter (2026-06-30): EPS=2.50 | Chg30d=-0.60% | Revisions=-25% | Analysts=17
EPS next Quarter (2026-09-30): EPS=2.65 | Chg30d=-0.78% | Revisions=-57% | Analysts=17
EPS current Year (2026-12-31): EPS=10.27 | Chg30d=-0.47% | Revisions=-57% | GrowthEPS=+22.7% | GrowthRev=+146.2%
EPS next Year (2027-12-31): EPS=11.80 | Chg30d=-0.43% | Revisions=-17% | GrowthEPS=+14.8% | GrowthRev=+8.4%
[Analyst] Revisions Ratio: -67% (up=1, down=11)